BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: CBC Companies, Inc.
State: GA
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:
FACTUAL The FACUTAL had reported UNAUTHORIZED Hard inquires in my credit report. This item have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. The UNAUTHORIZED FACTUAL inquiry must immediately be removed from my credit report of all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower made several attempts for a loan modification with Selene Finance but was denied for insufficient income. Borrower requested in writing Selene Finance provide the income information used to make their determination. Selene Finance provided a written copy of the income they used to make their determination. Borrowers disputed the income used by Selene Finance to make their determination and requested in writing that Selene Finance provide a written explanation of how they arrived at the income used. Selene Finance has refused to respond to borrowers request and forwarded the file to their attorneys to begin foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no bidding contract with Midland XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX MIDLAND FUNDING XXXX Amount {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: Sequium Asset Solutions, LLC
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: Was not notified of investigation status or results

Complaint:
I disputed an account with this company on XX/XX/XXXX. It was sent to their fax number XXXX with confirmation of receipt received. The company failed to respond or provide any results of the request. I am demanding it be deleted as they didn't reply with in 30 days yet reported the account on my credit report as of XX/XX/2019. 

I have attached the fax confirmation and dispute letter sent to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Credit Plus Inc
State: GA
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:
CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. 

All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: National Management Recovery Corp. (NMRC)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2020 : I received a Voicemail from an unknown number ( she said he name was XXXX XXXX ) citing legal action being taken against me and I must contact the collection agency before the case is sent to court I was given case number XXXX and told to call XXXX XXXX XXXX to discuss my case. And that since they couldnt reach me they would be issuing a order to locate on me and calling my employer ( even tho I am unemployed ) I called the number and a woman who sounded a lot like the woman who left the voicemail stated that I had an open case but it was locked and needed the last four of my social to open it. When I refused to give her my social she read the last four of my social to me then stated that due to a small XXXX XXXX loan and listed numerous allegations i had a case started against me in XXXX county and a judge has already viewed and approved it to go to court. She then stated that there were two different restitutions one out of court and one in court. The one in court would cost me over XXXX dollars on top of court fees and the one outside of court would be {$530.00} and I could pay it now. And I needed to pay it before the case is filed in 24 hours. I felt sick and I hung up and called my county clerks office and spoke with the civil court clerk and she said there was no case and I was likely being scammed or threatened. I checked XXXX and it said my debt was sold to national management recovery services. I believe I was just being scared or intimidated into paying a large amount of debt and lied to about the whole thing. I then received a scared call from my grandmother saying a woman who knew her name and address called and stated I was going to be going to court and needed to call the same number. None of this Can be legal or ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Navy Federal Credit Union, my bankers, has blocked my XXXX account permanently for no justification. They content that I received that someone sent me XXXX of {$150.00} which the same person went to the bank that the money was drawn from that there has been a fraudulent transaction from someone to me. The person who transferred the XXXX to me is called XXXX XXXX. I contacted him about this situation and he explained to me that the account he used to send me the XXXX from XXXX XXXX  has multiple people on the account. One of them was his niece. This niece of his, according to XXXX, reported to XXXX Bank that someone has fraudulently transferred {$150.00} from her account to XXXX XXXX XXXX ( me ) through XXXX. 
XXXX XXXX, without investigating, sent a message to XXXX and Navy Federal about this transaction activity. 
After I contacted XXXX about this issue, he called XXXX XXXX  the it recanted the fraud and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to Navy Federal.

As I write this piece, Navy Federal has not reactivate my account for not justification. The bank mislead me by saying it XXXX that place the ban on my Account but XXXX vehemently denied that. The later agreed that it did that. This is brazen corporate outreach against person of color like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TN
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:
Earlier this week, Equifax admitted to reporting erroneous credit scores. Equifax also has a class action lawsuit. On XX/XX/22, I have called Equifax NUMEROUS of times. On a phone call with one rep, I constantly requested to be transferred to a supervisor or manager. That rep left me on hold for almost 30 minutes. Equifax recently CONFESSED to reporting incorrect credit scores at the beginning of the year and also have a class action lawsuit against them. I called Equifax demanding they removed the inquires, XXXX XXXX XXXX and XXXX XXXX off my credit report. I have explained before where Equifax and XXXX XXXX  are violating my federal privacy right violating 15usc 1881a ( 3 ) and ( 4 ). I have never given XXXX XXXXXXXX XXXX permission to share my information or reported. ALSO Equifax is reporting erroneous information on my credit report. XXXX XXXX is reporting an account that is constantly being re-aged. That is definitely illegal.. 

I need this rectified IMMEDIATELY! REMOVE XXXX, XXXX XXXX AND ALL INQUIRIES file : XXXX : XXXX/Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have not received the title after the loan was paid off. TD Auto Finance says they never had the title and have repeatedly requested a duplicate from CA XXXX. CA XXXX says they have not received any request. CA XXXX also says a request must be made by mail, but TD Auto Finance refuses to use that method. It's already been almost 2 months since I paid off the loan and after speaking to Auto Finance XXXX or 3 times a week for the last 2 months, I feel hopeless that I will ever get the title. I need help. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: EQUIFAX, 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 send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$39.00}

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 explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XXXX # XXXX. I have been using a Walmart credit card for purchasing supplies for my business now for over a year and I have never missed a payment. Recently Capital One took over the Walmart accounts and on a few occasions within the past week I tried to use this card and it was declined. I thought I may have gone over my spending limit so I made payment on Monday XX/XX/2019 at a Walmart store in the amount of {$500.00}. I then tried to use the card and it was still declined. I called customer service the same day and was told that my social security number didnt match and they would need me to upload my driver 's license, bank statement, and social security card. I did all three uploads and was told they received them. I explained I have two credit cards through Walmart and one I use for business the other personal. I even uploaded a business bank statement. They are still claiming that it doesnt match. How much more information do they need? Ive been a card holder for over a year with Walmart. I'm also a card holder with Capital One. They won't give me names all I know is the fraud department is handling my case and I've included the case number at the top of this report. The last person I spoke with was today XX/XX/2019 he stated they were sending a letter for me to write a letter! I explained I sent all the documents they need and I still have no RESOLVE. The person I spoke with today only gave me his ID number as XXXX. I also know that my account has been suspended since XX/XX/2019. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Diversified Consultants, Inc.
State: VA
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:
In XX/XX/2018, I completed a dispute of an account in collection ( {$1000.00} ). The account was not verified within 30 days and was promptly removed from my credit report in XX/XX/2018. I check my credit monthly and upon checking my credit today ( XX/XX/18 ) I was alerted that the collection account had been re-inserted under the collection agency : Diversified Consultants in the amount of {$1000.00}. It is required that I receive notification of any previously deleted item being re-inserted on my credit report. I have received no such notification. Please have this deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: CA
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:
MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE TO OPEN THESE FRAUDULENT ACCOUNTS. I HAVE SENT MULTIPLE CERTIFIED LETTERS TO THESE CREDIT REPORTING COMPANIES TO BLOCK AND REMOVE THESE FRAUDULENT ACCOUNTS AS I AM A VICIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with  XXXX  and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX  XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from  immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. I have sent 10 previous letters to the credit bureau requesting the documentation used to verify the dispute. And remove inaccurate information from my file and have failed to do so. I believe thats a violation of the FCRA In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

To prevent any confusion the accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-03-20
Company: CL Holdings LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchase this car in XX/XX/XXXX and keep the car until XX/XX/XXXX at which time I did a volunteer repo. The car was sold to me at XXXX and at the present time XXXX still say I owe XXXX in which I paid {$420.00} per month for five year and the car was sold. They will not tell me Im which the car sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern There are a few accounts that are on my credit report that should not be there. The credit bureau stated that they did an investigation and the information was Verified. I sent them additional letter a few weeks ago requesting verification information ; such as the person who verified the information, their position with the company and the date and the phone number so I can follow up with said person who verified it.

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 2021-02-25
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with XXXX, I was placed on hold when she returned her reply was with instructions to email her XXXX with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the XXXX we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.

Company response to consumer: Closed with explanation