BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I first disputed this account with Experian and informed them that I had already been paid the account off in XXXX of this year for {$820.00} and I then waited for a few months and they still had not made any adjustments to my account and I then contacted them directly and I was informed that the company who had my account needed to contact Experian so I then contacted the original company that had my account common wealth financial and was informed that they would get in contact with Experian to inform them that I had already paid the account off and now I noticed that Experian still has not yet made any changes to my account please help

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 2021-07-20
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I originally reached out to the company Lexis Nexis on XX/XX/21 as a consumer i was concerned about how they are able to report my private personal information to people without ever having my consent. They told me that they got my information from a site called PACER and then sent my information to the three credit bureaus which is damaging my reputation, my credit and causing me stress. How can they expose my private information to all these companies without my permission, or ever even notifying me that they were selling my private information. I asked them to remove my information and they told me NO bc it is public information. There is no way that a personal private matter like mine can be in the public for anyone to see. I asked the courts if they shared my information with anyone and they stated NO. Lexis Nexis has viloated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: FL
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:
My dispute letters were mailed on XX/XX/2021 and I have not received my investigation results from the credit bureaus, it has been well over 30 days. This is a violation of my rights.

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

The 3 Credit Bureaus are reporting inaccurate information on CITI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-07-20
Company: Manhattan Beach Venture, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My name is XXXX XXXX, and I was an individual that was involved in the student loan scam perpetuated by XXXX XXXX XXXX. I request a copy of all loan documents I procured with the U. S. Department of Education to be emailed to me as soon as possible, and in addition, the necessary forms to complete to apply to my fraud claim against XXXX XXXX XXXX. I was not part of the XXXX case filed by the Consumer Financial Protection Bureau in 2014. However, XXXX used fraudulent means in their actions to get me sign on excessive charges where services were minimal. 

According, I need the following : 1 ) Copies of all loan documents between myself and XXXX XXXX XXXX that were assigned to the U. S. Department of Education. 

XXXX XXXX Any application needed to file my claim for educational loan relief. 

Thank you for your help and cooperation in this matter. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-20
Company: Regional Management Corporation
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:
I have asked that the debt be validated by Regional Finance and verified by the credit bureaus -XXXX XXXX XXXX and XXXX. I've sent a request to remove this inaccurate information on four different days. On XXXX, XX/XX/2021, I sent letters via certified mail. XXXX XXXX and XXXX still have not removed this inaccurate information from my credit file. Regional Finance has sent me a letter stating they sold this account to XXXX XXXX XXXX and all ownership rights belong to them. 
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ), I have the right to request validation of the debt that Regional Finance says I owe them. Therefore, I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Also, in compliance of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if Regional Finance can not validate because they sold the referenced account with disputed information, then Regional Finance is reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Car was voluntarily returned to the finance company in which they sold the car and collected funds from the sale. They have yet to update what is being reported to my credit report. The balance and current status is incorrect

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 2019-07-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt ( {$250.00} ) was paid in full 16 months ago ( XX/XX/XXXX/XX/XX/2018 ).

They submitted DEBT/ COLLECTION to 3 Credit Agencies which is still there 16 months later.

I have sent 4 Faxes and called them and they are not responding to my calls or faxes.

I contacted the Original debt owner and they stated that I may have a REFUND.

My credit / APR / has been NEGATIVELY AFFECTED ( for 16 months ) by a company that posted INCORRECT information and is now ignoring my attempts to clear it.

I have already submitted confirmation of payment by check " CASHED '' by XXXX XXXX.

According to XXXX XXXX XXXX XXXX staff, CMRE performs " billing services '' for XXXX XXXX XXXX, but they are NOT reviewing accounts, they are not communicating and they are not answering calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Information belongs to someone else

Complaint:
I was a victim of identity theft. I have reached out to all three bureaus and informed them of this numerous times. I have sent letters to them every month starting XX/XX/XXXX of this year and as recent as XXXX. I never receive a response. All of my communications are sent via priority mail.

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 2019-05-16
Company: Experian Information Solutions 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:
Fraudulent account XXXX XXXX open 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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Paid mortgage with a check. XXXX would not accept my check because it was not the exact amount due. They did not tell me they would not accept the check. XXXX eventually mailed me back my check and marked me as a late XXXX I paid early with a check. I tried to pay more than my current mortgage payment to lower the debt. XXXX did not cash the check. XXXX mailed the check back a month later with a letter stating o can only mail check for exact amount due and Im not allowed to pay ahead. They took too long to tell me causing me to pay pay after due date. They should have cashed my check or called or sent check back earlier. So now I have a late payment showing XX/XX/2017. I should not have that. I tried to pay and pay ahead.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax exposed my personal information and left me vulnerable in to identity theft, by not adequately protecting confidential information such as my SSN, addresses, DOB, and ( potentially ) driver 's license number ( they have not even disclosed that ).
On top of this, when Equifax learned that my information, and the information of millions of Americans, had been compromised, they waited an entire month before letting us know. Only then were we able to take appropriate action to protect ourselves from this hack - Equifax deliberately kept information from consumers in order to make themselves look better.

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

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

NATIONAL CREDIT ADJUST XXXX Balance {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been a victim of identity theft..I filed a police report and I need to get this removed off my report there are several inquiries and an apartment listed on my account that doesn't belong to me I also have different names and socials that I have no clue about ... please remove

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 2019-05-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a follow up to complaint XXXX. I reviewed the response provided by Experian, but it does not address my initial complaint. In my original complaint, I have issues with : 1. Conflicting and wrong information provided by their representatives.

2. The reason why I was unable to temporary lift the security freeze using the experian.com/freeze website even though the validation information I entered was correct, as listed on my Experian credit report.

3. Why Experian 's representative set an expectation that if I spent {$90.00} to overnight the documents needed by XXXX XXXX the following morning that the freeze would be lifted within 15 to 20 minutes. However, after I overnighted the documents and confirmed receipt the following day, it took almost a week for the freeze to be lifted. 

Since my original complaint, I have received a letter from Experian dated XX/XX/2019 confirming the security freeze has been temporarily lifted, but have not received the PIN reminder notice I was told would be sent. 

I am also disappointed in the CFPB for closing my original complaint even though Experian clearly evaded addressing any of my concerns.

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 2021-11-11
Company: Harris & Harris, Ltd.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the XXXX ( XXXXXXXX XXXX XXXX ) XXXX Balance {$520.00} still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Consumer Financial Services
State: AL
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:
My car was repossessed Monday XX/XX/21 I contacted confin/Consumer financial located in XXXX, Florida to see why was my car repossessed they stated that the only payment that they received from me was the down payment which is false I got my car in XXXX I paid my car note for XXXX, XXXX, and XXXX & XXXX only payment I didnt was XXXX {$250.00} each month I pay my car note threw XXXX XXXX so I contacted XXXX  to see if they could look at the payments & send it to my email they stated that it would take up to 21 days but consumer financial is stating that I only have 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just requested a annual credit report and it indicates 3 addresses in which I have never lived. One address I do not know at all and believe it is associated with identity theft which occurred 2008 and was reported. 
The other two are addresses of my ex husband. Please remove these addresses. See below I have never lived at : ( address is present possibly due to theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily My ex husband XXXX XXXX currently lives at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family He moved from this address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family Please remove these addresses from my report as i have never lived at any one of these. 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 2018-01-27
Company: Turning Point Solutions LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received 2 voicemails this week from XXXX XXXX XXXX  to speak with me regarding a loan taken out by a relative they named in the voicemail message, and to discussed resolving this 'voluntarily. ' I have never co-signed for this relative for a loan. I never received anything in writing from this company, or any company they might be representing indicating what is supposedly owed. My spouse tried to call them several times today, but they did not answer. They are listed with the BBB, but with numerous complaints. I suspect this to be a scam which should be reported to law enforcement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
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:
Applied for the Chase student card on XX/XX/2020 and the Amazon Prime Chase card on XX/XX/2020. These two inquiries are correctly reflected on my credit report. However, on XX/XX/2020, a third Chase hard inquiry showed up on my credit report. Called in to XXXX on XX/XX/2020 at XXXX XXXX, was informed that I should contact Chase to have this corrected. Called Chase immediately after, was informed that the third hard inquiry was for verification purposes for mismatched social security. However, during the verification process my social security number was not submitted, I only had to submit my address and date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.Q. Data International, dba XXXX XXXX XXXX says that I owe them {$1300.00}, a debt that the alleged original debtor confirmed that I do not owe this alleged debit. 

Why is I.Q. Data International is requesting payment for a false debt? 

Please removed this fraudulent collection account from my credit reports immediately. 

I have attached Identity theft report for review and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX To whom it may concern.

On XX/XX/XXXX I contracted with Wilshire Consumer Credit / Westlake Financial for an auto title loan. I have satified the standard amortized 36-month loan with 36 full payments but the company now tells me that I still owe {$790.00} after the last installment was paid in full on XX/XX/XXXX.

The following details come directly from the contract 's Federal Truth In Lending Act Disclosures page : Amt Financed : XXXX Finance Charge : XXXX Total of Payments : XXXX   Interest Rate : 83.49 % Number of Payments : 36 Mo. Installment $ : XXXX Payments due starting : XX/XX/XXXX Again, I paid my last ( 36th of 36 ) payment of {$200.00} on XX/XX/XXXX. There is nothing on the contract disclosing any extraordinary fees, monetary amounts ( ie. balloon payments ) or conditions -- it's a standard amortized loan contract.

My loan has never been in default or ever had a 'balance due ' from a previous month. Over the account 's 3 years there were 3 small issues detailed below : I. Twice I've been late on a full installment payment by the due date but both monthly installments were paid in full before the next installment cycle -- never 30 days late. Never was a balance forwarded to the next month, and the two late payment fees of {$10.00} were paid before the next month 's due date. Every month my account has been " current ''.

II. In XX/XX/XXXX I requested an extension due to financial hardship. My extension was approved by Wilshire for the month of XX/XX/XXXX and my XX/XX/XXXX statement reflected the appropriate monthly installment of {$200.00} ( no past due, penalties ... ). This extended my loan 's maturity date one month from XX/XX/XXXX to XX/XX/XXXX.

Again, my account has always been current and has never had a monthly balance forwarded to the following month.

I called Wilshire last week ( XX/XX/XXXX ) regarding this {$790.00} balance. The agent gave a few 'possible ' reasons for the remaining balance but I pointed out none of his 'possible ' explanations were accurate. He obviously was, or pretended, to be incompetent regarding amortized installments loans and the specifics of my account. I requested to speak with a supervisor to get an accurate and truthful reason for the remaining balance. I again explained that I've paid 36 full installments and have never been in default or more then 30 days late on a payment. The supervisor could only tell me that the statement showed the balance and that's what I owed.

I can't get any accurate information from Wilshire. Your help is appreciated. 

Thank you.

Company response to consumer: Closed with explanation