BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX XXXX  XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/20 XXXX matched me based on the credit file updated XX/XX/20 for XXXX XXXX. I went to the American express website within XXXX minutes of that information from XXXX and check for prequalification for that card and was prequalified through American Express website. I immediately went to apply for the card and during the application process there were several glitchy type issues such as it would not allow me to enter my income information and when I went to process the application it said there was a denial, Which in the denial letter there was a bunch of? s all over the place so it looked almost like a glitch and some of the information at the bottom was not equating to the information on my most recent XXXX credit report that I just looked at XXXX something minutes prior. Then a minute later The website said their systems are currently updating and please check back in XXXX minutes so I really think something was wrong with the application process and I tried to explain to the people at American Express that I dont think the application was processed right I think there was a glitch but theyre refusing to do anything about it and all I want is the hard credit pull removed from my account because it was not appropriately processed and I feel like by them pre-approve and me and then denying me within XXXX minutes its deceptive financial practices and misleading. Please make them as a remedy remove the hard pull because that application was not processed properly in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: GA
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:
ON XX/XX/XXXX I PULLED ALL THREE OF MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS, ONE ACCOUNT THAT IS LISTED IS FROM A COMPANY CALLED XXXX XXXX XXXX. I DISPUTED THE ACCOUNT. XXXX AND XXXX XXXX RESPONDED ON XX/XX/XXXX AND THE ACCOUT WAS DELETED DUE TO THE COMPANY NOT PROVIDING PROOF THE ACCOUNT BELONGED TO ME. EXPERIAN ON THE OTHER HAND RESPONDED BACK SAYING THE ACCOUNT WAS VERIFIED AND ACCURATE AS BELONGING TO ME. I ASKED FOR PROOF AND THEY DID NOT RESPOND TO ME. I AM REQUIRED BY FCRA TO REQUEST ANY KIND OF PROOF DURING A DISPUTE PROCESS. EXPERIAN FAILED TO SEND ME ANY INFORMATION. THE ACCOUNT THAT IS LISTED ON MY CREDIT REPORT DOES NOT BELONG TO ME.

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 2021-03-31
Company: EQUIFAX, INC.
State: MD
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:
The credit bureau was sent a letter requesting verification according to FRCA 611 ( method of verification ) of several items on my credit report. You want sufficient proof FCRA procedures were followed and proper steps were taken to verify the dispute as accurate. I have not received the written verification. I would like to see a complete list of all documents and correspondence with. The 15-day window has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My personal credit was affected by 30 points because of a 30 day late payment which I was not aware of. 

This lease is a company lease and all notices are send to our company address. the dealer had a bad phone number on the account for our company. We never received a late notice by mail nor did we receive any phone call. We did not supply them with that phone number. The dealer may have gotten it off of an old website listing. That number has not been operational since 2014 when we moved to our current address. 

The finance company claims they made calls to my residence but since I have a block on auto-dialers, the phone will not even ring to my residence. They claim they made manual calls but I know this to be untrue. If a call had been received at my residence I would have addressed it promptly. Also, we received no written notices to our business They reported this on my personal credit report as 30 days delinquent but since I received no notification personally I was unaware of the delinquency. This is a corporate debt which I guarantee and I believe that the 30 day delinquency should be removed since they only use dialers to contact people and I was never spoken with or given the ability to pay by phone. 


They never sent any notification to my personal residence either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Portfolio Recovery are currently reporting accounts in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: EQUIFAX, 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:
Disputed a XXXX account previously with Equifax in XXXX and item was removed. Then it reappeared on report in XXXX and I disputed it again. This time it was not removed and it looks like the debt was just incurred but it is actually over 10 years old. This has kept me from obtaining jobs and it is lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check of the amount of {$2700.00} on XX/XX/2021. The check is the return amount for an apartment rental security deposit. The check is paid to three payees : myself, my wife, and a friend of mine who was a guarantor. Citibank has block my account without informing me via phone nor email. I am traveling abroad and it has been more than a month since they block my account. I contacted Citibank and they asked me to send a notarized letter with copies of the payees ' ids ; I did so but they said they have not received the mail yet which was delivered on XX/XX/XXXX according to the mail carrier tracking. However, the notarized letter was sent later in person at a Citibank branch in XXXX XXXX XXXX but the account has not been unblocked yet. Currently, I have overdue bills and payments and I have been charged with interests and Citibank is not helping me to overcome these difficulties. I called them many times and everytime they tell me I have to wait. Note that I call them overseas and it costs me a lot.

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 2021-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an account with fifth third bank in XXXX and XXXX. I overdrafted my account but had the money in savings. They charged me late fees upon late fees then finally took the money from savings. I told them that they cant charge the late fees and overdraft fees when the money was clearly in the other account. They said that they could. I told them to close my account and they said they did. They did not and kept charging me overdraft fees and all other fees. I had to go again and tell them to close it. I was then informed that my total in late fees were now XXXX and something. I told them no you need to look into this and figure out what is going on. I have been talking to the bank about it and nothing has been done. Now i have a lawyers office calling and threatening to report me to the banks so i can no longer have a bank account and to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have made several attempts to address issues with Equifax but have not gotten anywhere near resolving my issues. I recently contacted them on XX/XX/21 and was waiting for about an hour to speak with a supervisor because the associate was not actively listening to my request and was also very combative with me about what I needed to be done. 

First I have never used a suffix with my name. I have never been known as a Jr. nor do I have any documentation that would indicate so as well as applied for any line of credit with Jr. I have disputed that directly but for whatever they refuse to remove the item and continue to try to verify me as such which is unacceptable. 

Second there is an account for US Dept of ED for a student loan which was in dispute and Ive never submitted a dispute regarding them. The most recent dispute shouldve been on the XXXX accounts so they incorrectly disputed the wrong account and also added comments that it was in dispute which I wanted them to be removed. There is two accounts for XXXX XXXX XX/XX/XXXX that the comments show as disputed but I havent disputed anything about those accounts in over a year and still the comments remain and havent been removed by Equifax. It is increasingly becoming difficult with them to resolve and they have made it extremely difficult to get in contact with anyone. I have always had issues with Equifax in the past about the information they report and the difficulty with correcting to the point that I have also submitted a complaint to the attorney general office and will consider legal action if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: EQUIFAX, INC.
State: NC
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 XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. Equifax said they take a while to update. Do after waiting a year I disputed it again. Once XXXX XXXX XXXX  was contacted they did another unauthorized hard inquiry last week. I call Equifax and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: ENCORE CAPITAL GROUP 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:
On or about XX/XX/XXXX I disputed an item on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector XXXX Midland Funding LLC XXXX to validate this debt since it was not mine. As of XX/XX/XXXX Midland Funding LLC has not responded to my request for validation of this debt nor have they provided factual information that this account is legally my responsibility. As of today this account remains on my credit reports with the comment " Account information disputed by consumer, meets FCRA requirements '' This does not resolve the matter nor does it comply with my request for validation. Midland Funding LLC has violated FCRA by failing to report true information and provide me with the requested data related this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Mr. XXXX applied for a mortgage payment modification program due to the death of his spouse and was accepted. Once accepted, the online app said first modification payment due was XX/XX/XXXX and it was made on XX/XX/XXXX. Mr. XXXX made all modifications payments on time for {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and then canceled the program in XX/XX/XXXX as it appeared to be affecting his credit report. On XX/XX/XXXX, a payment for $ XXXX was made in order to bring what appeared to be a now delinquent and inaccurate account current. 

Last year, Mr. XXXX made {$29000.00} in payments in good faith in order to keep his credit in good standing, which is {$11000.00} OVER his regularly-scheduled payments. 

In XX/XX/XXXX, payments were mismanaged with " applied credits '' after payment increased for escrow adjustment and auto-payments were short of payment. Then Mr. XXXX would receive phone calls saying he's past due so he made additional payments over the phone in good faith in order to keep his credit in good standing and now his credit report is suffering due to payment mismanagement and inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Ally Financial is reporting error that the final vehicle payment was over 30 days late. I did not own the vehicle and was under contract with the XXXX XXXX XXXX XXXX XXXX Florida and XXXX XXXX XXXX XXXX for the vehicle I purchased in late XXXX of 2019. 

I attempted on numerous occasions to compel XXXX XXXX to make the payment timely and could not afford to make the new payment in addition to the payment the were obligated to make to pay off the loan on the vehicle. I advised Ally Financial of the situation, yet they are reporting the negative information to all three credit bureaus and has thus far taken no responsibility to accurately report the information, which should be reported against XXXX XXXX XXXX XXXX XXXX, Fl given their contractual obligations to pay off the loan on a vehicle they owned.

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 2021-04-27
Company: Netspend Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I been XX/XX/XXXXsince XXXX and someone has gotten access to my debit card and personal information and been taking all my money out my account and making purchases online

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 2018-03-31
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in contact with XXXX XXXX XXXX agency within the past couple of months. About an Account on my credit profile that was fraudulently open. And I've asked them to remove this from my credit profile and they have not. This is for a XXXX phone account in which I never open nor did I give any other person authorization to open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and Experian )

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 2019-02-20
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX )

Company response to consumer: Closed with explanation