BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} XXXX XXXX XXXX XXXX XXXX Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX PM Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: TCF NATIONAL BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased two cement trucks and they are being financed by XXXX XXXX XXXX. They are out of XXXX Minnesota XXXX. I fell behind on my payments and advised them i would be getting payments myself to be able to send to them. They chose to recover vehicles and refused to accept payment which was scheduled for XX/XX/18. The collection agent XXXX XXXX  has belittled me by saying i am an embarassment. I also have spoken to his assistan XXXX  and she does similar actions by screaming at me over the phone. I humbly do not disagree i have paid them late probably every month but i do catch up by paying two even three payments at a time. On the latest incident XXXX XXXX is addament i took the equipment out of the country to XXXX. I replied that claim is absurd and untrue. I tried speaking to the sales finance manager and he said i have to speak to him directly to resolve this matter. I chose to communicate by e-mail to avoid further trash talk from XXXX XXXX. He replied that if i did not speak to him directly nothing would be resolved. I made the attempt to speak to him again and proceeded to tell me " do you know you have paid late every month ''. I replied " is this the part where you tell me i should be ashamed of myself '' and he replied he wanted to take the second unit i have financed with him. I told him i was prepared to be current this Friday and he said he did not want to accept that offer. The dealer who sold us the cement trucks stated they are accustomed to doing this sort of thing to customers because they take the majority of the payments for several years and then they try to resale the vehicles and make all the monies that were paid in monthly payments on top of what the vehicle resales for. I have purchased millions of dollars of equipment in my 16 years of doing business and i can not recall having to deal with such a negative individual. I also have never defaulted on a loan.

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 2017-11-28
Company: Experian Information Solutions Inc.
State: MI
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:
I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-03-14
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went into XXXX XXXX XXXX  XXXX XXXX during XXXX, 2015, after a XXXX XXXX on my hand. At the time I was in College and used my school health insurance, and paid a small co-pay for my visit. The doctor had thought that I might need XXXX but I healed without it. I have been billed for {$510.00} on XX/XX/2015 and XXXX on XX/XX/2015 totalling the amount of {$820.00} for 2 separate appointments, I only went to XXXX XXXX XXXX 1 time for my injury. I did NOT get XXXX on my hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( XXXX/XXXX, ( 2 ) XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a savings account at Bank of America in XXXX NY on XXXX  XXXX XXXX. I went there today and was in a rush and wasnt really thinking. I asked to withdrawal {$600.00} the teller said okay and then hands me the slip and the money ( without counting it in front of me ) and I go to my car. When I get in my car I count the money and realize she only gave me {$400.00}. I go back into the bank and tell the teller she only gave me {$400.00}. She said I gave you {$400.00}, you asked for {$400.00} and was very dismissive without even opening my account again. I assumed she was right and could not find my banking slip. This all happened around XXXX XXXX. At XXXX XXXX, after the bank is already closed I found the slip on the ground in my car and it says there was {$600.00} taken out of my account. I tried calling the 24 hr customer service number and they told me I received {$600.00} from a cashed check. And that there was a hold on the check. I didnt cash any checks. Ive never cashed a check at this bank. The supervisor refused to give me the tellers name said it was not on the transaction, and told me I had to go back to file a complaint. No one called me saying the drawer was over {$200.00} and no one called me about a check missing at the end of the day. I am short {$200.00} and am a XXXX XXXX struggling to pay for school and my rent. I just want my {$200.00} and to close this account, I would never trust my money in the hands of this bank ever again. I would 100 % recognize this teller.

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 2018-10-15
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX is the company claiming debt owed in the amount of {$520.00} opened XX/XX/2016. This company is in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding the above referenced debt collectors of the alleged debt be disputed immediately.

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 2018-09-15
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: Old information reappears or never goes away

Complaint:
The three credit bureaus are reporting information from these organizations that are obsolete. They are reporting these accounts as if they are new accounts. I am asking for all of the accounts associated with the following companies to be deleted. I am asking for the three credit bureas to request the origination and payment history in support of my claim to support that none of these companies should be on my credit reports. If they request this information they will see that the timeframe would also support deletion as they are obsolete accounts. Also there is an address reporting on Equifax that has never been my address XXXX XXXX XXXX XXXX, CT XXXX, I am asking for it to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Says I owe XXXX from XX/XX/15 but for what I do not owe this. Again I contacted company several times not willing to remove ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AFNI INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Common Wealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX This company placed an inquiry on my credit for an account I have never heard of. It is also from 5 years ago. They first stated it came from XXXX XXXX XXXX, then physicians office. No communication or attempt to communicate on the debt was ever made. Just a hard inquire to my credit, tanking it 100 points. When I called to discuss not only are these people very rude but both XXXX & XXXX and super nasty! This company has never once called or reached out to me. XXXX stated they mailed a letter to the address listed on the account from 5 years ago. How do these people just go around messing with someone life with out properly verfiying if that is even there debt. Giving them the chance to pay if in fact it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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 fraud alerts or security freezes

Complaint:
Tried for 2 days to unfreeze my credit with Experian. Keep getting an error online and will not process request. When I call the XXXX phone number they give for customer service, you can not reach a person. You have to pay them to freeze and unfreeze credit report, which makes it worse, since you get no customer service from them.

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from 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 2020-09-24
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We purchased our home in XX/XX/2019 and our mortgage was transferred to Home Point Financial. This mortgage is at a 4.75 % interest rate. In XXXX of this year we began to shop for a refinance. Home Point reached out to us after we were already approved by another company and offered a low cost refinance at an advantageous rate, with a significantly lower initial cost than the other company so we went forward with the application process. We have very good credit and an very advantageous loan-to-value. We completed our application on XX/XX/XXXX and the company went completely silent. We have repeatedly reached out to our assigned originator, XXXX XXXX, and more recently demanded to be put in touch with someone in higher authority and he has not responded to any communications since XX/XX/XXXX. It has now been over 60 days since we completed our application, and the only contact was a revised disclosure sent to us about 3 weeks ago. We believe this foot-dragging is a scam to keep us from refinancing our high interest loan. Now we have to begin the process again with another company which will negatively impact our credit rating. We would appreciate any action you would be willing to take against them to force them to at least tell us why we were declined, or even if we were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: General Motors Financial Company, Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : GM FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
While reviewing my credit report, there is an account listed as closed for XXXXCARE CREDIT with current payment status : In Collections/Charge-Off dated XXXX XXXX, 2013. The remarks indicate : Payment after charge off/collection purchased by another lender. I would like detailed information regarding this collections listed on my credit report. I have never received any information advising of any unpaid balances. If this information can not be provided, then I am requesting this error to be removed from my credit.

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 2018-09-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. 

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. 

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. 

Who verified this account? What documents were used to verify this account? Where are the documents they used? 

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. 

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX   can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: GENERAL BUSINESS RECOVERIES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took my son to my XXXX XXXX XXXX and he had XXXX insurance. All of a sudden I received the 8 collection in my name and on my credit when the entire process was in his name with his insurance through work and they're apparently was some sort of issue. Long story short, I'm being charged for something I had nothing to do with all I did was drive him there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: RGS Financial, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX  which they received on XX/XX/XXXX asking for validation of a debt that XXXX stated I owed. XXXX XXXX XXXX  was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called RGS in the amount of {$1.00}, XXXX in which I was never notified by RGS via mail in reference to this debt, lastly I received a bill from a company by the name of XXXX for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by RGS, I ask that my information be taking from XXXX XXXX  and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 at XXXX XXXX I paid my monthly payment on my USAA renters insurance. I received a confirmation number of # XXXX. I paid with a MasterCard credit card and can show statements by email as well. The very next morning I received an email stating they have yet to receive payment and it is attached as a photo jpg. I want my payment credit issued to my USAA bank renters property insurance account as soon as possible. This bank is not honest and harasses and steals from war vets and this is proof.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation