BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of  the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Bayside Capital Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
These people are calling my daughter, my parents who are XXXX years old. Last call was on XXXX to my parents upsetting them. On XXXX they contacted my daughter who live in Pennsylvania and works for the Federal Government and this jeopardizes her job. 

The reason for the mistake is the payday loan people double payments which forced the bank to close my account due to insufficient funds when my rent check, insurance checks everything bounced. I was then given a 3 day notice to quit. I almost became homeless. 
They call 5 to 6x times during the day while I'm at work STOP IT!!!!!!!!!!!!!!!!!!!! 

I already have a garnishment from the IRS, STUDENT LOANS, FRANCHISE TAX BOARD, so I don't know how they aspect to garnish my wages. I am not an expertise on the law but I already have 3 garnishments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan originally financed through XXXX, which was then sold to Bridgecrest.  Bridgecrest does not provide detailed monthly loan statements on their website nor will they mail out a detailed statement. I have to call them and request a statement every month, then they merely email me a " transaction history '' for the loan which does not break down any of the loan terms. I have no way to verify they are charging interest as agreed upon with the initial loan contract or that they are applying my payments to principle on the simple interest schedule. I feel very insecure about this process and wish the information for my loan was provided to me in a detailed statement monthly. This is the first auto loan I have ever had that withheld information from the consumer in such a way.

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 2020-04-29
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
i was written a check by a customer who has pnc bank, the check was for XXXX i tried opening and account earlier that day they said i have to do it online or make an appointment for next week. i had to pay bills so i had to cash the check and they charged me {$27.00} to cash a {$1300.00} dollar check. This does not seem right to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Advance America, Cash Advance Centers, Inc.
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
To Whom It May Concern, Please may I ask for your help? Due to my wife needing XXXX. I was forced to take a pay-day loan from a company in XXXX  XXXX, Wisconsin. Due to the COVID - 19 outbreak I have now lost my job of 12 years. The company is known as Advance America. The interest on this loan is 235 % annually. I called the company and inquired if due to the pandemic, the company was not allowing for interest to accrue. I was told there are no requirements for the company to abide by. This seems outrageous to me, as all regulated banking institutions are working out forbearance agreements with their customers. Why does not the State of Wisconsin allow for companies to operate such as this? 
Every other company that I am dealing with, is allowing for no accrued interest and no late fee penalties. The company takes the stance that they are here to help those in need, Really? If so, help now when the world is devastated. I sincerely want to get the organization paid in full as fast as possible but I need their cooperation. I sincerely can not pay interest in the hundreds of extra dollars This company also assured me that they do not do hard inquiries on credit reports, yet I have them on my credit report. This I feel is taking severe advantage of individuals that are in trouble financially. I needed a " fast '' loan that I had all good intentions of paying back within 2 months. Then the world fell apart and now I am stuck. May I please ask for your support in these difficult times, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Wednesday XX/XX/XXXX, unable to recieve XXXX dollars from an app called XXXX and would love to have it fixed so i can fix my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX, XX/XX/2021 I sent letters to the credit bureaus about some bankruptcies that where listed on the reports that wasn't mine. The time those bankruptcies were filed I was incarcerated and I sent documents to the bureaus showing that I was truly incarcerated and they told me that the bankruptcies were being verified by the Bankruptcy courts as verified. So I contacted the bankruptcy court and spoke with a XXXX XXXX she said they don't verify anything with the Credit Reporting agencies they are getting information from a company called XXXX she also said whoever filed the bankruptcies did it themselves no attorney was involved. I also contacted XXXX XXXX regarding acct # XXXX and they didn't respond at all. I disputed it with the Credit bureaus and they said it came back verified which couldn't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/19 to XX/XX/19 services at XXXX XXXX XXXX they ve been paid by medicare except XX/XX/19 XXXX XXXX  billing {$210.00} wasnt submitted the process is ongoing with appeals and VA claims

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several closed accounts on my XXXX, Equifax, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also Equifax, XXXX, and XXXX   are reporting unverified information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
showing accounts that are paid but wont show up on my credit reports this has cause me harm without a reason doubt report the error or correct it they cant say it's not correct b/c I saved and printed fom their website XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reported to Experian several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit 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 explanation
Consumer complaint received 2020-04-29
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attempted to speak with the leasing company XX/XX/XXXX as I was working to recovery all balances owed so that I could setup balances due with a credit counseling company to complete my action plan directive, so that I could purchase a first home. I received a ledger signed by a XXXX XXXX rep advising the balance owed was {$1100.00}. I emailed them again shortly prior to my in person visit to confirm the balance and see about rendering the balance, and as of to date i still have not received a response, I was noticed on XX/XX/XXXX that XXXX XXXX XXXX, had forward my account to collections without communications to me regarding the balances owed/responses to call or emails. National Credit Systems , Inc. XXXX. XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX. 

I reached out to the collections company whom enabled me access to their site where i was able to get a brief itemized balance advising I owed XXXX when I was finally able to reach someone from XXXX XXXX after several calls on XX/XX/XXXX I was advised the balance was for damages to carpet. But according the prior ledger ( attached ) it was written off in XX/XX/XXXX. But re-added and submitted to collections shortly after my in person visit seeking the ledger so that I could remedy the balances as per my action plan for first time homeownership I pulled the documents rendered to the collections agency to find that the charges where not correct/ matching the balance due on the ledger of {$1100.00} as well as the lease or rental agreement they rendered is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Selene Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im filing this complaint because I have not received my regular monthly mortgage statement from Selene finance since they took over my mortgage from XXXX XXXX  in XX/XX/2020. 
Secondly, according to the last monthly mortgage statement I received from XXXX XXXX  in XX/XX/2020 just before they transferred my mortgage, my regular monthly payment was scheduled to go down to {$2600.00} starting XX/XX/2020, but instead of going down, on XX/XX/2020 Selene finance increased my mortgage payment to {$3400.00} without giving me any written notice or explanation as to why the payment was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly medical collections on my credit report. ( Please see the attached spreadsheet outlining each account. ) These medical bills were on behalf of my daughter who has Medicaid. I gave each provider my daughters Medicaid card account information for billing purposes, however, the providers never submitted the appropriate paperwork to Medicaid and consequently the outstanding balances for my daughters medical bills has now attached to my credit report and consequently has become a collection. ( Please see pages 2, 3, and 4 of the attached credit report along with a copy of my daughters Medicaid card. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit 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 explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am applying for a mortgage my name is XXXX XXXX. my lender pulled a credit score on me in XXXX and now we are trying to pull it again and they will not allow me to pull it again. I have called them 8 times and they still will not release my score. I have verified there is no freeze on my account. There is no fraud alert on my account. my mortgage company still can pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  id XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Equifax sent me credit card suggestions to help improve my credit score. 
My score was reduced, and I was denied a credit card. And Equifax kept an old account I closed, as not paid, when I sent the product back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get called every single day from this debt collector. Portfolio Recovery Associates calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
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:
My name is XXXX XXXX, I am contacting you regarding accounts on my EXPERIAN, XXXX and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.

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 2018-11-13
Company: Americor Funding, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Disclaimer : This did not result in an actual loan, but this company 's practices could harm many people looking for some financial relief. 
We received an offer in the mail from Fast Loans Funding, advertising a personal line of credit totaling {$30000.00}. that would reduce our monthly payments from {$620.00}. to {$150.00}, and there would be no interest and no payments for 12 months. " Simply call ... and receive your line of credit in just a few weeks that you can use to pay off your high interest credit cards. '' The communication included the XXXX  logo and touted that they had an A+ rating. The offer said that we qualified for a consolidation loan of {$20000.00} with an added {$10000.00}. Our average interest rate would be 3.99 %, and our minimum monthly payment would be {$150.00}. So we started the process giving them all the info required for a loan application. XXXX XXXX, a customer service rep. Called us several days later to say we were approved. Next, they wanted to walk us through the plan. They said a secured trust fund would be established for us and we should pay {$550.00}. per month into that account for 12 months, and that we did not need to pay our other bills. Where's my {$550.00} a month going? They were actually telling us that by not paying our bills, the collection agencies would be willing to offer a much lower pay-off. I could not believe they were advising people to do this, and I'm sure many people fell for it. I told the rep ( XXXX XXXX (@XXXX ) " No! Where are you going to be when they come to foreclose on my house. This is not only false advertising ; ( that could have devastating outcomes for anyone who accepted the deal ), but it was also the bait and switch game. My worry is for all the people who are struggling, desperate for a solution to their money problems. Where is truth in advertising. I also worry because they now have all our personal info ( SS #, DOB, Income, Loans and Credit Cards ). I hope this will be investigated. I have already gone to the XXXX, but the company response was more lies. I do have the mailer, if it would be helpful. Many thanks for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: The Orange Coast Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Financial Institution Fraud Orange Coast Title On XX/XX/XXXX the Orange Coast Title company along with XXXX XXXX made an Unauthorized Wire transfer to my XX/XX/XXXX Mortgage Loan Account for {$280000.00} My XX/XX/XXXX Mortgage Loan Account does not have a Successor in interest and I am the sole borrower on this Account My XX/XX/XXXX Mortgage Loan Account has nothing to do with aXX/XX/XXXX XXXX XXXX Forclosure that took place in XXXX. Monthly Payments to my XX/XX/XXXX Mortgage Loan Account continued uninterrupted before, AFTER and during the XX/XX/XXXXXXXX XXXX Forclosure. 
XXXX did not issue a demand for payment from the Orange Coast Title Company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Navient Solutions, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello I made a payment on Friday XX/XX/2019. I spoke with XXXX XXXX. I asked her if I was going to be reported late to all three credit agency 's and she advised no if a payment was made that day. I can not afford the student loans payments all! it is causing a hardship for me and my XXXX. I'm trying to get into affordable housing and this false reporting is hurting my credit and needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation