BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: OH
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : 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 2020-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America had fraudulent debits to my account last year and reversed all the disputed transactions and also closed my checking account and opened a new one. This involved a lot of inconvenience and till date have not shared with me any root cause of the issue. Today I noticed a debit of {$10.00} created a company called XXXX out of XXXX XXXX. They have created a recurring debit. There is no way this happened due to my fault as I dont use Bank of America debit cards nor do I store it anywhere. So I am concerned that BofAs internal processes are weak and this is leading to compromising my account. Pl investigate and ensure that they invest in proper infrastructure/ systems to fix this thanks

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 2019-10-10
Company: EQUIFAX, INC.
State: AZ
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:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX2016 the ambulance transported me from the ER to the main hospital. I was diagnosed with a XXXX ( XXXX  XXXX ), XXXX XXXX and at last XXXX  ( which was the main reason I went to the ER ) but then they found the XXXX and XXXX XXXX. They admitted me immediately into their main hospital. The ambulance company or hospital miscoded the transport as a non-emergency which should have been coded as emergency. My insurance company does NOT pay for non-emergency transports which leads me to this problem. I had gone back and forth with the ambulance and hospital to have them recode the error but NO ONE took responsibility and haven't heard anything for 4 years so I thought the ambulance company let it go. Now I'm in the process of refinancing and the collections came up for {$1600.00} and now it has restarted up once again. Had they coded this correctly my insurance would have paid their negotiated fee and I would have paid the remainder. But of course that did not happen so now they want the entire {$1600.00} transport fee. NOT FAIR, I feel as I have been scammed. I have seen this on XXXX  XXXX news where ambulance companies deliberately miscode knowing the insurance companies do not pay for non-emergency transports. I have been done a great injustice. I am a recent widow and raising a teenage granddaughter. This is a large amount and the collector will not work with me they of course want the whole amount. There is no negotiation with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have filed several requests for XXXX  Equifax and XXXX to remove a fraudulent item from my credit report under the name of XXXX XXXX XXXX and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  Equifax and XXXX  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX XXXX and Portfolio XXXX XXXX  Equifax and XXXX  clearly stating that I did not open or authorize any account from XXXX XXXX XXXX and XXXX XXXX Associates. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
During the COVID -19 pandemic I had contacted XXXX cred card company to seek some financial relief on monthly payments. XXXX had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of XXXX 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.

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 2021-11-10
Company: Marlette Funding, LLC
State: CA
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, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST EGG. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

BEST EGG XXXX Balance : {$0.00} BEST EGG XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. IT HAS BEEN MORE THAN 60 DAYS WITH NO RESPONSE AND THEY HAVE NO DOCUMENTATION SO THEY NEED TO DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute for the incorrect items on my credit report its been more then 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-22
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX was removed from my account arbitrarily. I havent missed any payments or caused any login issues. I am unable to access my account to view balances, confirm payments are correct, or make any changes. Payments are still being debited from my account but I have no way of confirming they are correct and no way to contact the lender. 

When I reached out to support I received a message saying the issue will resolve itself and if not to call a support line during inconvenient hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY

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 2023-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by XXXX that I was in collections with Sunrise Credit Services. I contacted the the company and was informed that my ex married name and SS # was used at XXXX XXXX XXXX in the amount of {$1500.00}. I did not give anyone authorization to use my name or SS # and I have no idea who made this purchase. Sunrise Credit is currently investigating this incident.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inaccurate Data Reporting

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 2021-05-31
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter claiming to be a debt verification letter from Nationwide recovery systems , Ltd on behalf of XXXX XXXX XXXX XXXX, XXXX. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time XXXX XXXX XXXX XXXX has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Conn's, Inc.
State: AZ
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:
I took out a loan for furniture with this company around XXXX and XXXX. Thye had a promotion at the time that stated if you paid your loan off within so many months you would not be billed interest. 

I had just about paid off a furniture loan of 6k when I decided to get a smaller loan for a bed and used their loan services for a smaller loan around 3k with the same promotion no interest if paid off within a certain timeframe. I had paid off the larger loan within the promotional period and was about to pau off the smaller loan, i had literally 1 payment left which when i paid it did not get applied in time or got applied to the other account. Conns telephone representatives were extremely rude and unhelpful, i felt they did this on purpose to get more money out of me. They are unfair and deceptive when it came to their interest free loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : Harvard Collection # XXXX {$780.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX  and XXXX  and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. 
I am waiting for some kind of documentation from the creditor so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing. 

XXXX XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: ALLY FINANCIAL INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied to refinance my mortgage with Ally Home Loans. The statement on their website is " If you already have an Ally account, we will pay {$500.00} towards your closing ''. I have an account with Ally and wanted to take advantage of the lower interest rates in the market. I applied and the offer at the time was 2.9 % for a 30 year loan. Wanting to lower my payment further, I applied to purchase points to get a 2.375 % rate for the 30 year loan. In the initial disclosures, the point cost was roughly {$5800.00} with a {$500.00} discount ( the {$500.00} towards closing promised ). During the remainder of the month, we completed all of the paperwork for closing. After all of the information was settled, the loan amount was estimated to be {$390000.00}. Part of the closing costs was {$8200.00} fee for 2.103 points being purchased. I did research and came to an understanding that : 1 point = .25 % discount ( standard among lending institutions ) Purchasing of 1 point cost = 1 % of the loan ( standard among lending institutions ) According to our loan, the following would then apply : 2.9 % ( rate w/o points ) - 2.375 % ( rate with points ) = .525 % discount .525 % discount / .25 % ( discount per point ) = 2.1 points 2.1 points = 2.1 % of the {$390000.00} loan value = {$8200.00} points fee ( small difference due to rounding from 2.103 % ) I asked about the {$500.00} discount, which was supposed to be taken out of the points fee, and they responded that it was already included. They further responsed that they would have charged me {$8700.00} ( {$500.00} more than the standard among lending institutions ), but discounted that fee by {$500.00}. Basically, they are overcharging me {$500.00} for points and then discounting that overcharge to bring me back to the standard among lending institutions. I verified that XXXX  XXXX XXXX would have charged {$8200.00} ( 1 % of the loan per point OR {$390000.00} x 2.1 % = {$8200.00} ) per their website : XXXX  : XXXXXXXX Ally should only be charging me {$7700.00} ( {$8200.00} standard - {$500.00} discount ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CT
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Approximately two weeks ago I contacted EdFinancial to request a refund of the student loan payments I made during the pandemic. I was not provided with any timeframe for when I would receive the refund nor how. I now just received notice that all of my person information ( name, dob, social security number ) was compromised. I would like to refunded as soon as possible so that I can end my relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Theres 2 inquiries on my credit file I dont recognize and I didnt authorize them also theres a address on my credit file I dont recognize I have never lived there and I would like it to be removed : XXXX XXXX XXXX XXXX OH XXXX Credit inquiries : 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 non-monetary relief