BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

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 2017-11-19
Company: Collection Bureau of Walla Walla
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We got a letter from a lawyer who was seeking a motion for summary judgment for the amount of {$3400.00}. 

We called the lawyer whose secretary gave us the number of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We agreed to pay by debit the amount of {$3400.00}. 

Confirmation number XXXX. 

Our bank shows they took {$4400.00}. 

We have frozen the card used. This has to be fraud. Do we have any recourse?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX my car was overcome by flood water that occurred in XXXX XXXX during the severe rainstorm and ensuing flood level waters that were sustained in the area where I work. The following morning the car would not start. It was towed to XXXX XXXX, where it was determined that the car is a complete loss and it would cost too much to repair vs its value as a XXXX car with very high mileage. My insurance company, XXXX XXXX, informed me that because I did not have Comprehensive coverage, ( optional coverage in the State of Florida ) there was no compensation for the loss. 
For 2 months I have been trying to find anyone at Bridgecrest to provide some informationany assistance at all.in determining how to proceed. As I do not own this car, and I do not hold the title, it has been sitting at XXXX XXXX for 2 months while I try and try and try without success to get some sort of cooperation from your company, which to date is ZERO. I called Bridgecrest immediately after the flood and was told that I am required to continue to pay my monthly installment regardless ( which was not my issue ) or your company will re-possess the car promptly. 
I am paying storage fees for a car that I can not have removed or salvaged because I AM NOT THE OWNER. I CAN NOT PROVIDE THE TITLE. A month ago, I spoke with on of your customer service representatives, who cheerfully volunteered to email me a copy of the title, which never happened. 
I have politely explained all of the above to at least 4 different people, on 3 different occasions via your XXXX. One of the representatives I spoke with knew that the car was destroyed in a flood, I am assuming based on notes, yet Bridgecrest has not reached out to assist in any way, shape or form, except to leave past due voicemails from UNKNOWN phone numbers. I am inundated with past due emails. 
Continuing to call your customer service line is clearly a waste of time and energy and it has caused nothing but continued frustration and aggravation for me. On the various occasions I have called, I am inevitably met with your account is past due and which payment method would you like to use to resolve this? I will not continue to pay Bridgecrest for this car unless there is some sort of resolution for this issue. What do I do with this car? I am not a car dealer or a loan company or an insurance adjuster. The car was destroyed in a flood that I had no control over. I am not authorized to have it disposed of. XXXX XXXX wants the car removed on XX/XX/XXXX. 
It is quite clear that Bridgecrest has no interest in their customers beyond receiving payments. I am a widow whose husband died during XXXX, I work full time to support myself and I have no way of knowing what to do, how to get a salvage title or what on earth to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I've made extra payments on my loans, it never goes to the principal amount. I have two ( 2 ) loans with them. I have asked them to separate them so I can receive separate statements. They told me they are unable to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a bill from EOS CCA Stating that I owed them something. I immediately responded and disputed the validity of the debt. I informed them that the debt was not owed by me and tried to resolve the matter amicable between us. To date, The company only sends me bills, but they will not provide the original contract with my alleged signature ( it doesn't exist ). This is harming my credit rating gravely, because it is not reflecting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Platinum Holdings Group, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This morning I was contacted by my employer that someone was trying to contact me because they were filing a civil suite against me. The man who contacted my employer was XXXX XXXX XXXX. I called immediately at XXXX. He demanded payment of $ XXXX by tomorrow or {$500.00} + by the months end. I said that I could make a payment arrangement of about {$50.00} a month being that I am a single mother of XXXX and with only my income to support. I explained that I had just recently, back in XXXX, got out of an abusive relation ship that had left me in debt. I said unfortunately I did n't even have enough money to buy my girls XXXX gifts this year or fix my car that is desperate need of repair. I said {$50.00} was the best that I could do but by tax return time I could hopefully pay more. I requested that first he send me official paperwork pertaining to this legal suite XXXX He refused! He said that they already sent something out sometime ago and would not again unless I agreed to make payment. I asked that he send me the paperwork with all my options. He said that " No, because then you 'll receive it and then just say you can only pay {$50.00}. '' I told him that I wanted official documentation and am not going to commit to paying anyone without have official paperwork so that I know who I am sending what to. He became argumentative and refused and said that he already has my wage information and that if I did n't send payment and agree to anything he would follow through with the suite XXXX This ca n't be legal but I am shaking because if it is, I am not in any financial state that I could afford to pay {$3000.00} + back, which is what he said that I would come out to being if I did n't pay by today but no later than tomorrow. I will lose everything that I have worked so hard to get and at the moment keep. Again this is XXXX XXXX who said that he is an attorney and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
My lender pulled my credit and there is a XXXX XXXX account showing on my credit file. I had NEVER signed for a credit card with this company. I was added as an authorized user but at no time did I have a card with this company or an account with this company. This is hindering my loan being processed. I am attaching proof that this debt is not mine this was for XXXX XXXX XXXX. Had this been mine I too would have been sued!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: ORG GC GP Buyer, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
G.c services is a company that is working on its XXXX I ask them to validate this bill where I sign paperwork they send me a letter stating that they will tell all 3 credit bureaus to delet this off my report and it is still reporting to my report XXXX and XXXX I have the letter from this company proof and they still wont remove it when I call to delet and I sent the letter to the credit bureaus the amount is XXXX open XX/XX/2018 I told them this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Ive reached out to Bank Of America several times via certified mail with return receipt and also registered mail. I have yet received a response back from them. I sent an affidavit over 30 days ago and no response. The account thats listed on my credit report is not mine. Ive asked them to remove the account from my report several times. Documents attached

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 2017-11-19
Company: EQUIFAX, INC.
State: SC
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:
My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. There has been fraudulent activity noted on my credit profile. Reference to  Account- XXXX XXXX, reports a {$650.00} Balance. 


I have contacted Transunion and requested for Fraudulent activity to be blocked from my credit file pursuant to section 605B. My request is for the listed unauthorized creditor to be Blocked from my credit file. Transunion has failed to honor my request. I would like for this complaint to be investigated. As this wrongful information is hurting my credit worthiness. 

Please find attached a copy of my policy report referencing my identity theft as well as my United states issued Passport.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
Inaccurate items reporting 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 non-monetary relief
Consumer complaint received 2021-06-09
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: Information belongs to someone else

Complaint:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )

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 2017-11-19
Company: Experian Information Solutions Inc.
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:
XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 2021-08-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONVERGENT OUTSOURCING bought an old debt that is already reporting on my credit with XXXX XXXX making this a duplicated account. Convergent Outsourcing RE-AGED the account. I sent a request to Convergent asking for validation and they just ignored me. They never responded. This has been going on for 90 days

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraud alert placed on my account with XXXX. I Recognized inquiries on my report that I did not give permission to pull credit report. I Called the fraud department, the agent representative refused to investigate and delete unauthorized inquiries, although by law I have a right to an accurate credit report. 
The following are several inquiries transunion is allowing incorrect and unauthorized reporting to my credit. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/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 2021-04-23
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/21 rocket mortgage/quicken loans would not provide a home loan estimate. I was told to verbally agree to this and was unable to show me the loan estimate. I kept asking why he was unable to do so when other companies did without hesitation. I clearly asked him, do I need to pay you 500 dollars in order to get this loan estimate and he said yes. I explained to the loan officer how this didn't make sense and made it harder for me to shop around. He avoided explanation and further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Prime Business Service, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Prime business LLC located in XXXX ca, ( XXXX ) XXXXcollected a debt from a bank account that I had. I sold a car to a couple and they paid me with a bad check come to find out 6 months later as the check was returned. My account was then closed and forwarded over to a debt collecting agency. The woman at the agency did not agree to payment arrangements after I explained that I was in the process of buying a home and could not afford for anything negative on my credit file. She told me that she could not do payment arrangements and that she was going to report the balance to the credit bureaus to hurt my credit and that she did. Since she has reported to the credit bureaus she also has been adding interest fees. I do not feel I am responsible to any interest fees because I did not sign or agree to any fees nor was it told to me that interest would occur. I asked them to send me an email stating the balance and it was never sent to me. I called her to get to the bottom of this matter and see what options I had to take the negative reporting balance off of my credit and all she did was threaten me that they will do whatever it takes to get the money from me and hung up the phone. Since then she is deliberately trying to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
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 have continued over and over to fix this problem I have with Equifax. This is still the worst of the three to deal with. Equifax continues to remove my good accounts in good standing but keeps the accounts that I have disputed on my report. They removed my new credit card that I have in good standing with XXXX XXXX   and I never asked them to dilute that account. Equifax is the worst company and this has caused my score to drop a few points. I asked for XXXX XXXX to be removed as well as XXXX XXXX XXXX XXXX  card to be removed and they still have not removed these accounts but only continue to ruin my credit and remove my new credit card accounts that I have in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint. 

This document has also been sent Certified mail to this organizations offices.

Company response to consumer: Closed with explanation