BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
yes hello i need help i was just curious about my credit and got on here and founded out my credit someone reported a fraud on my info iv checked and theres is no miss infomation on my file but y is there a fraud i never made this fraud alert i think someone has full access on my info the number XXXX doesnt even belong to me my number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Bread Financial Holdings, Inc.
State: MI
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:
Hello my name is XXXX XXXX and I am XXXX years old. I am disputing everything on my credit report. I am not old enough to have credit and unfortunately somebody used my name and social security number. My mother XXXX XXXX has tried to reach out to the creditors on my credit report and she was unsuccessful. I would like all items removed off my credit. My mom even sent over documentation that I am a minor and not old enough to have credit cards XXXX/XXXX {$830.00} Closed 43 potentially negative months XXXX XXXX/XXXX XXXX  Closed {$210.00} 5 potentially negative months XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a mortgage via XXXX XXXX XXXX two days ago, I was denied, fine, and today they pulled my Experian report but it was typed in differently, instead of all caps, instead of, XXXX XXXX, it was XXXX XXXX, I have not resubmitted the application and it is pulling my score down with unauthorized inquiries.

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 2020-04-28
Company: AMERICAN EXPRESS COMPANY
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:
American express had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, Mr. Cooper, has not made any payments for my XXXX property taxes for my townhome which I presently live in. Since my loan is escrowed for property taxes by Mr. Cooper the taxes should have been paid and my account should not be way past due and delinquent. I had mailed and emailed the property tax statements to the addresses listed on XXXX XXXX website last year and have not received any responses as of yet. 

On XX/XX/2020, I spoke to XXXX XXXX, Home Advisor for Mr. Cooper XXXX XXXX ) and she suggested that I email the property tax statements to her and she would escalate the request and forward them to the tax department. As of today, XX/XX/2020, I still have not heard from anyone from Mr. Cooper that this matter was taken care of, therefore, these taxes are still delinquent. I sent an email to XXXX XXXX and her supervisor XXXX XXXX XXXX XXXX ) on XX/XX/2020 and also left messages on their voice mail to return my call and have not heard from either of them, therefore, I forwarded a copy of their email to the Consumer Affairs email. 

On XX/XX/2020, I called the offices of Mr. Cooper again and spoke to 2 different people because I got transferred around again. One person told me payment should have been paid XX/XX/2020 and transferred me to another person who put me on hold for a half hour and never came back on phone and I got disconnected which made me very upset. I feel like I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debts numerous times because it is not mine, the creditor never reply to any of my mails or disputes, I am tired of trying to resolve this, and tired of telling this creditor that this account is not mine. I would love for this creditor to provide me with signature proof that this account belongs to me, or remove it, I have been disputing this account since 2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian on numerous occasions. The dates are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an inaccuracy on my report. The account is XXXX account number : XXXX I have requested Experian remove this account for inaccuracies. I am requesting that Experian remove this account as soon as possible as it is inaccurate and causing me irreparable harm. I have asked Experian to have XXXX provide proof that this account actually belongs to me by furnishing documentation showing I was the one who opened this account. If they can not provide this then I am requesting this fraudulent account be removed. Thank you

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 2021-05-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX - Auto accident and vehicle impounded XX/XX/XXXX -  Impound lot notified XXXX of an abandon vehicle XX/XX/XXXX - lien established and a savaged title was ordered by either the county or XXXX. 
XX/XX/XXXX - Approximately XX/XX/XXXX vehicle was sold XXXX failed to retrieve a {$22000.00} vehicle with a {$3000.00} damage from the impound lot while the price to pick up the vehicle was less than {$600.00}. 

XX/XX/XXXX - The auto insurance was notified and the insurance company decided to take responsibility, but wanted to inspect the vehicle whether they needed to cover collision or just repair. Upon inspecting the vehicle, {$3000.00} damage was uncovered, which they agreed to pay, but because the vehicle was no longer in my possession, the Insurance company wants to pay {$2000.00} less the deductible. All in all, they want me to be on the loosing end. 
Damages to me : approximately {$3000.00} which covered down payment and insurance coverage, {$21000.00} plus on my credit report while I'm left without transportation.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 believe the time I lost my purse when I went out of town is when and how they used my personal information fraudulently.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2018-11-22
Company: FIRST HORIZON BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-10-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: VW Credit
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I went to purchase a XXXX XXXX XX/XX/2020. I had been emailing with the salesperson about the price and had been comparing prices at other dealerships. When I explained that I was considering another dealership because of a better price, I was assured that XXXX would match the incentives offered by the other dealership. At the dealership, we agreed on a selling price of a flat XXXX. We agreed on an out the door price of XXXX plus XXXX gap insurance. I put a payment of XXXX down and said I would return later in the day due to child care. When I came back and was signing the paperwork I was assured again of the price. They moved me through the process quickly because I had childcare issues. However, upon examining the paperwork a couple of days later at home, entirely different figures were on the contract. The out the door price with gap insurance was XXXX more than I had agreed on. I was lied to and cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recognize the account named EOSCCA the amount they say I owe is {$650.00}. I have not opened any such accounts as of XXXX of 2020. I would like for this account to be removed immediately it is hurting my report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
In XXXX of 2019 Suntrust XXXX XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2020-04-28
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original debt was with XXXX  XXXX  a payday loan service online back on XX/XX/2016 then the debt was sold to XXXX  XXXX XXXX XXXX  on XXXX XXXX and had remained unpaid until XXXX XXXX and was removed from my credit report and sold to National Credit Adjusters on XXXX XXXX, who never sent me any kind of letter or anything stating they where the new collection agency .It just showed back up on my credit report sometime in XXXX showing and open balance like this was a fresh new account in return made my credit score drop very very bad and after some research I found out that this company NCA had re-aged the account to make it look as if it was a recent account that just went into default and its not the account is over 4 years old and  they are showing missed payments on my credit report and I have never received so much as a letter from this company even saying who they are.they have re aged this old account.Although I disputed this account it seems to be going nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Trinity Financial, LLC. held a trustee sale on XX/XX/XXXX, on a property by picking up a dormant second that was believed to be remedied in a Making Home Affordable modification and principal reduction that was completed in XXXX. This second was held by another lender, XXXX and then XXXX and there had been no activity on the lone since XXXX. XXXX XXXX is the property owner 's current lender. The owner was under COVID 19 Forebarance with XXXX XXXX and remained in good standing. The auction was held on XX/XX/XXXX and there was a winning bid. The owner seeks to settle arrears as allowed through the Redemption Period with Trininity Financial, LLC. however, Trinity Financial, LLC. has not been responsive to calls. Has not returned correspondences and requests by the trustee company who conducted sale to connect with the owner. 

We are requesting contact information and follow up to discuss solutions with : Trinity Financial, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX NMLS ID # XXXX Georgia License # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding my credit report.. It has been well over 30 days and I haven't yet to receive any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EULER HERMES UMA, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
AT ABOUT XXXX XXXX ON XX/XX/XXXX, XXXX XXXX FROM EULER HERMES CALLED ME TO ASK ABOUT A PAYMENT I AGREED TO MAKE.  I TOLD HIM I WAS JUST WORKING ON IT NOW AND ASKED FOR THE PROPER ADDRESS TO MAIL IT TO.
INSTEAD OF GIVING ME THE ADDRESS, HE TOLD ME HE WOULD "NOW TAKE THE PAYMENT OVER THE PHONE".  I TOLD HIM I WOULD NOT DO IT THAT WAY, THAT INSTEAD I WOULD MAIL IT AND HE LAUNCHED INTO A PERSONAL ATTACK INCLUDING MOCKING MY SPEECH AND MAKING FUN OF ME FOR NOT PAYING ON TIME.  THIS WAS THE MOST UNPROFESSIONAL CONVERSATION I HAVE EVER HAD WITH ANY COLLECTION COMPANY.
HE NEVER ADVISED ME THAT THE CALL WAS BEING RECORDED OR NOT.
HE THEN CONTINUED TO INSULT ME AND MY BUSINESS, CONTINUING TO MOCK BOTH MY LANGUAGE AND SPEECH.

THIS WAS ABSURD AND COMPLETELY ILLEGAL I BELIEVE.


XXXX   
Re: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INC

THIS IS HIS EMAIL SIGNATURE
XXXX XXXX XXXX Collections Specialist

Euler Hermes Collections North America | Commercial Recovery | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX MD XXXX  | Phone: +XXXX XXXX XXXX XXXX  | Mobile XXXX XXXX XXXX XXXX | XXXXXXXX   
www.eulerhermes.us

MY NAME IS XXXX XXXX OF 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 2020-04-28
Company: Credit and Receivables Services Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has violated my Hippa rights and so many others. I dont know who this company is and this company is reporting wrong information on my credit report. They have called me and threatened 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