BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The company XXXX Southern Finance ), has been repeatedly told that I am unable to make my loan payments due to low income at the moment. I also signed ( electronically ) according to company instructions a payment defferment agreement for my XXXX payment that the company then tried to say was invalid due to the paper not having a wet signature. I was then contacted about the deffered payment and harassed by phone calls by the company trying to get me to go to the branch to RESIGN the defferment agreement for XXXX in person. By law I do not have to resign something once it was signed the first time. Unethical, miscommunication between the branch and their corporate office is NOT my problem to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
On XX/XX/2022 Goldman Sachs alerted me to unusual activity with my credit card. My apple iphone was hacked. My apple id was breached & my apple wallet & bank account app were compromised. I closed my apple credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my applepay account. Goldman sachs continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called goldman sachs at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  GEORGIA XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
To whom it may concern : I sold a XXXX XXXX XXXX to XXXX in XX/XX/2022. If I had owed you money on the vehicle, how would they be able to receive the title and sell the car if I didn't pay this loan completely off. you received over {$27000.00} for a {$14000.00} loan and still trying to get more, and I will not be paying it. I would like you to remove this account from my credit report immediately, or I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies, including the FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: WI
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:
I received the attached document from XXXX XXXX XXXX today XX/XX/XXXX. They claim my late payment occurred in XX/XX/XXXX. Their records clearly show the actual late payment occurred in XX/XX/XXXX. I would like my credit to be updated with accurate information and change the late payment from XX/XX/XXXX to the correct date of XX/XX/XXXX. It is not right to damage my credit now for a late payment 17 months ago. I have been working to rebuild my credit in the last year and this was an undeserved hit on my credit!!!! Please suggest the company correct this inaccurate entry. 
Please provide me with information regarding the next step to take if they are unwilling to cooperate. Would it be to involve an attorney? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Midwest Recovery Systems
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a alert yesterday that a collection has been place on my credit report. I called midwest recovery systems and they state i owe a payday loan from XX/XX/XXXX. I never heard of the the company they stated i got the loan from ( XXXX XXXX ). I have not received any documentation about owing any money to anyone. They are suppose to send you by mail a bill or collection of debt attempt and then wait 30 days before they report to the credit agencies. This was not the case ; I have received nothing. The statue of limitations for collections in Arkansas is 5 years ; this is from XX/XX/XXXX. I think it funny how i haven't been contacted about owing money but 7 years later i owe something. If you XXXX midwest recovery systems all you read about is fraud warnings and scams and i think that is whats happening here. Per my lawyer our official complaint is : Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-01-31
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: Old information reappears or never goes away

Complaint:
I filed a dispute with XXXX on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX  XXXX/XXXX XXXX  which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my Equifax credit report and I disputed it there, as well. I received the same notification on my Equifax report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my Equifax and XXXX  credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX  will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. 

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 belongs to someone else

Complaint:
I recently submitted a rental application and paid a fee to cover the background report and credit report. I downloaded a copy of the entire report and was shocked beyond belief. Transunion provided consumer report to the real estate company. In the background section, there were several criminal acts attached to my social security number but listed similar though not the same name as myself. These were serious crimes, none of which I committed! I don't know if someone has hacked into Transunion and attached these false reports to my social security number or if this was simply an error by Transunion and there own reporting software. In either case, massive error in reporting can be devastating for find employment or obtaining housing. This matter must be investigated immediately. I have a copy of the report and will gladly submit for review. This is very dangerous and aggregious.

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 2023-09-02
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Me and my wife are being over priced by credit acceptance. We had our car since XXXX. When we look at our credit acceptance portal we noticed our remaining balance is completely different than what's on credit reports nearly XXXX dollars. We truly believe they are not reporting correct balances to credit viewers. We are also individuals who pay them XXXX dollars each month and never was late for payments. Something about our contract was wrong or not known to us. Our vehicle is a XXXX XXXX XXXX. We have so far paid XXXX dollars but have XXXX dollars remaining balance.

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 2023-09-02
Company: Credit Card Receivables Fund Incorporated
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection was reported TWICE on my account. I went from having no collections to one popping up. the information is incorrect and the dates are all over the place! 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Closed. {$310.00} written off. 

UNIFUND CCR LLC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have requested of HSBC Bank USA, N.A. to support me with addressing the unauthorized debits made to my account for transactions that I have reported pertain to credit card fraud. I have collaborated with dedicating time to discuss with several parties, including, XXXX XXXX   Customer Relations, VP ., the events that lead to my information being used without my knowledge. I do not have any responsibility for the debt as I have reported in the fraud claim, the Credit card was never recieved in the mail by me the account holder. This information is properly documented as the carrier disclosed that the card was delivered to a wrong address. The Executive team from the carrier's side stated that when they sent the XXXX driver who made the delivery to retrieve the card from where he confirmed to have delivered it, the same person who attended the door in the past denied to have received it. I have presented my concerns to HSBC Bank USA, N.A. executives on several occasions. It has been a prolonged time without an appropriate response and continuing to experience poor practice from the business that disregard my financial and business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX funds for my CD which matured were not received by the external bank account but the fund for my husband 's CD were received that day. We had purchased matching CDs on the same day for the same amount ( {$15000.00} ), maturing on the same day ( XX/XX/XXXX ). The XXXX CDs were both linked to the same external bank account. I called Citizens Access ( CA ) to report the problem. 
XX/XX/XXXX CA states funds for my CD were transferred & provided the trace number. I went to my external bank & they reported the trace number and funds were not received by my account. I call CA back with this information. 
XX/XX/XXXX CA manager instructs me to open an online savings account so they can deposit provisional funds ( {$15000.00} ) during their investigation. 
XX/XX/XXXX provisional funds received in my CA online savings account. 
XX/XX/XXXX CA manager instructs me on how to withdraw the provisional funds XX/XX/XXXX I received email from CA stating the savings account is closed & I confirmed there was now a {$0.00} balance in the provisional savings account. 
XX/XX/XXXX XXXX CA manager calls to inform me that CA investigation is complete with a conclusion the funds were deposited to my external bank account. I again provide external bank findings that the trace number and funds never received. 

At this time, it is clear that CA never looked into the fact that XXXX CD matured that day & funds from only XXXX CD was received. They never looked into the details of both transactions and came to their faulty conclusion based on an incomplete investigation. They continue to hold my funds with no commitment as to when the funds will be released. We are now back to where we started on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following items in my file immediately : 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 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 explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: NJ
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:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am disputing the amount that RMP is trying to collect. I have written multiple times asking for proof of the original debt along with proof that they are authorized to collect the debt. When I speak with them the agent says that she sees my multiple requests, but yet no one is complying with the Fair Debt Collect Act. Instead of providing proof they have decided to harass me multiple times a day and week with obnoxious calls at at all times. I have also asked that calls stop until both documentation is provided per the Fair Debt Collection Act. They will not provide proof nor stop calling.

Company response to consumer: In progress