BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As XXXX leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: WHEELS FINANCIAL GROUP, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a total title loan with XXXX XXXX that was made fraudulently and despite presented evidence they won't take it off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a HELOC with 5/3rd bank. I submitted all income and credit documents required and fully qualify. The underwriters then requested I increase my homeowners insurance dwelling coverage to match the first lien as well as the second. When I requested this from my insurance agent, XXXX XXXX, they advised that as per Fl law this was not required as a protection to the homeowner and that the property was insured for full replacement cost as per law. The Underwriter for 5/3rd has denied my loan because the insurance company will not raise the dwelling amount. I fully qualify for this loan based on income and credit, I have full insurance on the property as per Florida law. I can only assume that 5/3 is discriminating against me for an unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: LendingUSA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
An Attempt to secure a loan through LendingUSA was negative- declined due to they could not identify me. http : //lp.lendingusa.com/lending/1/? utm_source=ppc & utm_medium=cpc & utm_campaign=Bing I was under the impression no credit check would be done but subsequently found out they used a company called XXXX [ " XXXX XXXX XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] XXXX partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact LendingUSA proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. Lending USA was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: ERC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collector is looking for someone who is not me. Ive stated this twice on two separate calls, and to date have called me 14 times. One call the individual was bullying me to provide information. I do not know who the creditor is because they will not provide that information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted FTC 's 5 times at this point. I get mail stating the inquires will be removed and they haven't been. I call in and they tell me to submit it again. This is out of control and they need to do as they said. This seems to be illegal and XXXX going to consult a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
{$6000.00} was stolen from my checking account at Capital One by an unknown party. 
I wrote a check to XXXX XXXX XXXX XXXX on XX/XX/2022. I put it into the mail slot at my local Post Office. The check was cashed on XX/XX/2022. ( see copy of cashed check enclosed ) When I received the statement from XXXX XXXX XXXX XXXX, the amount was not reflected. I contacted the bank as well as the school. ( XX/XX/2022 ) The school confirmed that they did not cash the check nor did they receive the check. ( see copy of email correspondence enclosed ) I also reported the incident to The XXXX XXXX XXXX on XX/XX/2022. ( see enclosed email confirmation ) Since I notified Capital One of the incident, I have not received correspondence of any kind from the institution. Its as if nothing ever happened. There is no urgency. I know that if it were the credit card account, there would be a rapid response. Since it is my funds and not theirs, Capital One bank appears to be taking their time to act. 
Next, I requested reimbursement for my funds while the bank does their investigation. The representatives were not able to help, they only told me that there was no update and depending on the results of the investigation, I would receive my funds. 
This situation is causing harm to myself and my family. In order for my children to secure a place at their current school ( XXXX XXXX XXXX XXXX ), The payment needs to be made. Their spot may be given to a new family that applies for admission there for the upcoming school year. Ive explained the urgency to all the reps, they state they will enter it into the notes and I will be called if needed, still I have not received any correspondence, nor my funds. 
I called on XX/XX/XXXX and spoke to XXXX, she gave me the same answer all the previous reps gave me. I asked her to provide me with any regulatory agency over the bank so that I can make a complaint. She provided me with the Office of the President oXXXX Capital One and told me that I can write a letter and I will receive a response within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is reporting a payment on XXXX of 2017 as 30 days late. This information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I RECENTLY KNOTICED A MEDICAL COLLECTION ON MY CREDIT REPORT. 

MERCHANT CREDIT GUIDE, I HAVE REACHED OUT TO THE CREDIT REPORTING AGENCY DUE TO VIOLATION OF LAW. ON XX/XX/XXXX, I CERTIFIED BOTH COMPANYS REGARDING THE MEDICAL COLLECTION OF {$1000.00}, THAT HAS NOW A DUPLACATE REPORTING. MY RESPONSE WAS THE FINDINGS IS ACCURATE FROM THE CREDIT REPORTING AGENCY. 
. 
I do not recall giving permission to for any facility to release my medical information to a third party. 

I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is two-fold and as follows : I ALSO REQUESTED THEM TO provide a copy of my signature with the provider of service to release my medical information to THEM. TIME HAS PASS AND NOTHING STILL THIS ACCOUNT NEEDS TO BE REMOVED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX a loan was placed on my credit profile by XXXX XXXX XXXX XXXX '' for {$3600.00}. I never provided written consent are verbal approval for this loan. I was told to bring my automobile to a repair ship for an estimate and instead of an estimate the company decided to fix the vehicle and approve themselves for the loan without my consent or knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had American Express Delta Sky Miles for a while. I have the full balance once. I pay within in the 30 days and never have has anything reported. During this pandemic, I have paid XXXX and XXXX. I thought that the only payment I had left was XXXX. I call on XX/XX/XXXX to ask about a deferral due to reduction of income during COVID19. I was told on XX/XX/XXXX that evening, By the way, the representative I was talking to said they would transfer me to the hardship department and they disconnected me. So I had to call about and wait another 50 something minutes. I wrote down what they said they could offer me. My notes said they would freeze my account until XX/XX/XXXX. After that, I received a letter stating that my credit card was cancelled. My payments are due on the XXXX. I have proof to show I made a payment. Then I received a letter stating that if I had the account deleted from reports, they would no longer report it late. I assumed that they realized that they had went back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Tebo Financial Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I leased a XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX of XXXX and I was having problems with the vehicle so I gave the vehicle back to them in XXXX or XXXX of XXXX. They sent me a payment plan letter in XXXX of XXXX but when I called them to accept the payment plan they then retracted and told me that I had to pay the full {$10000.00} that was owed even though this vehicle was repossessed and sold in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is for the Citi AAdvantage Platinum Select Card. 

XX/XX/2020 -- Called to close account. No balance owed. 

XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX  out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. 

XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. 

XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. 

XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and  the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 Docket ID # XXXX. 

Transunion, XXXX  and XXXX  has repeatedly " verified '' this as accurate information. 

My question to Transunion, XXXX  and XXXX  has always been : " Which original source of the information did they verify accuracy with ''? 

I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX  report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
1. Reporting incorrect credit score from XXXX, property manager, Experian and XXXX. 

2. XXXX tenant screening report showing incorrect current address as XXXX XXXX XXXX XXXX. This is a previous address. Current address which is XXXX XXXX XXXX XXXX XXXX XXXX is reported as previous. 

3. Under eviction search, XXXX/Experian shows 2 items. Item # 1 has been satisfied and should be completely removed from reporting. Item # 2 did not involve me as i was not the tenant. The plaintiff erroneously included me in the action. I was never a lessee of this property in question. The lessee/defendant was the plaintiff 's son. This should be removed entirely.
4. Under credit information bureau, medical payment data, collection amount of {$120.00} has been paid in full and should be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief