BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: CBC Companies, Inc.
State: PA
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 am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: ERC
State: CA
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 do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: OR
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:
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello, I have a loan with Santander which was opened back in XXXX. I purchased the car through XXXX and Santander financed it. However, what we were not disclosed is that there were SEVERAL recalls on the car and that the Maker of the car themselves had went bankrupt. Santander breached their part of the contract where it states they will NOT finance on cars out of production, in my case the car itself had been out of production since XXXX. I have tried dozens of times to work something out with Santander and also the dealership where I purchased the car. The dealership told me Santander would be responsible, and then Santander says the dealership would be responsible. This has been going on for months, since XXXX of XXXX to be exact. I originally filed a complaint with CFPB and Santander 's response was nothing short of a blatant lie, stating they " can not make any contact '' with me because I was being represented by an attorney. This was not true. I definitely have one on standby, but no, our attorney NEVER called or contacted Santander. They responded with that and to me that is also fraudelent. I have every single piece of detail of when Santander contacted me, when the dealership contacted me, and when they let this go on for months without even responding. The only suggestion they gave me was they could " defer my payment for a few months and remove late charges ''. NO. The problem I have with a car that was sold to be ( Fraudulently mind you ) is that no mechanics can work on it. The recalled parts can not be fixed. This is wrong and Santander knows this-you can not expect someone to pay for a car that was recalled before it was even sold and financed to me-it is impossible to maintain when it CAN NOT be worked on. This is a very dangerous car to drive and the dealership along with Santander needs to get together and unravel this and make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Contacted the company and informed them that it didn't belong to me. I was informed to do a dispute with their fraud dept. Nothing was done. I waited for a response and didn't receive one only for me to be told that a police report would be need but the time has past and there is nothing I can do for this. The account in question was placed In my credit more than 3 times which brought my credit down over by 70pts. I dispute the item with the credit bureau which it was removed with supported documents then only for Navy Federal Credit Union to state I made a payment of which I never did. I have no access to my checking account which I believe my account has been froze.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and saw some accounts that are fraudulent and have to be related to my identity being stolen. The accounts are reporting as XXXX, collection bureau, and XXXX and XXXX. This is impacting my credit in a negative manner. I do not recognize these companies nor have ever done any type of business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
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:
So i was forced to file Bankruptcy do to the fact that my father information was attach to my credit. His name and mine is very close. but on the credit report it had his creditors his date of birth and his address. I did dispute but my credit has not got pass 600 and each time it get to the point that maybe i can buy a house or purchase a vehicle that im in need of it drops. I've been trying to get it off my credit because if i was told the only way i could get his items off was to file. It showed that they weren't mine. i tried to fight it. i called the lawyer but he never reply. i think it isnt right do to the fact that i had a trach it made me handicap..this bankruptcy with zero balance from the beginning because the accounts wasnt my creditors

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 2022-01-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX, I received a text message from telephone number XXXX. The text reads as follows : Free Msg-Chase Bank Fraud Alert-Did you attempt a transaction for {$450.00} in XXXX, FL. Reply YES or NO or 1 To STOP Fraud Alert After the text message, a man called me from the number above. He introduced himself as a representative from Chase and asked me to verify my bank information. Just like some who work for the bank. Since I received a text message, I didnt find the call to be suspicious. The person seems to know all the transactions that have occurred on my card. He informed me the only way to stop further fraudulent charges, I will have to go to my Chase account online and transfer money from my XXXX account to XXXX. He assured me the money would be in my account and I should be able to continue to use my Chase credit card without further incident. The man instructed me to use my name ( XXXX XXXX ) as the receipt to make two transactions. The first in the amount of {$1000.00} and the second {$90.00}. Before the call ended, the man asked me to call XXXX to confirm the transaction. The man also sent me two five-digit codes for the transaction. XXXX and XXXX. 



An hour after the transactions occurred ( XXXXXXXX XXXX  ), I received a text message from XXXX. Someone attempted to make a purchase of {$24.00} at XXXX XXXX 's. My bank confirmed this is their number and all fraud alerts are notified with a five-digit number. 



Other transactions occurred on the XXXX of XXXX. I disputed the charges below with my bank and they were never charged to my account. The bank informed me the transactions occurred online from XXXX XXXX, Minnesota Zip code XXXX XXXX  {$68.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$140.00} XX/XX/2021 XXXX XXXX XXXX XXXX {$260.00} As of today, the bank refused to reimburse me transaction that was processed through XXXX {$1000.00}. The reason is that I followed the instructions and made the transaction myself. 



On XX/XX/XXXX, I called XXXX. A man answered the phone and hung up. I also called ( XXXX ) XXXX, but a woman answered. Since I didn't respond, she sent me a text with the word, XXXX XXXX. 



I need to find a resolution to this problem. If the person who committed this fraud is apprehended, I am willing to press charges against that individual. Im also requesting {$1000.00} to be issued to my bank account. 

I noticed there were additional charges to my debit card and contacted the bank. Starting XX/XX/XXXX, someone used my debit card to purchase items from XXXX, XXXX  XXXX, and XXXX. I contacted the bank, and they investigated the issued and issued a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: PREFERRED CREDIT INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Inaccuracy on reporting - last activity Date of last activities per bureau on the credit report : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX - The high balance amount is also different between credit bureaus XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX XXXX : {$2.00} XXXX - Date of the last payment has been reported incorrectly XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This means that they kept reporting even after 90 days, which is against the fair act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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:
fdc 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 2017-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute over 30 day late payments for XXXX XXXX XXXX XXXX and the system malfunctioned would not let me attach my documents which show my payments were within the 29 days before reporting to bureau. I decided I would upload the documents the next day but within less than XXXX hours on Experian said they verified all data as correct without providing their process or proof. I dont believe they could have adequately conducted a thorough investigation in the time frame and may have sent me an automatic response reply instead. I understand they are probably getting overwhelmed due to the fallout from XXXX and consumers checking their credit reports but these incorrect late payments are affecting me getting a safer place to live due to my area of in XXXX, TX being severely affected and undergoing extensive cleanup before renovations can begin.

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 2017-07-06
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest Recovery Systems is practicing illegally in North Carolina. I have submitted a compliant with NC Department of Insurance as well as the NC Attorney General 's office because for some time I have been fighting the Credit Bureau about Midwest Recovery Systems BOGUS and FRADULENT based account on my credit report. <P/>I have sent several messages to XXXX, XXXX and XXXX about the fraudulent PAYDAY LOAN Account ( per the credit report the company is a PAYDAY LOAN Company ). After much research and back and forth with the bureaus, I found that Midwest Recovery is not even licensed as a Collection Agency in North Carolina and they have placed this FRADULENT account on my credit report since 1st Quarter of this year. Midwest is saying I had a payday loan from a company XXXX XXXX XXXX that is not even in business when I researched the company for information. ( XXXX XXXX XXXX XXXX  The attachments will show you they are not licensed here in North Carolina, it will also show you the company they claim I owe is not in business. I have also included the link below that I am not the only one they are doing this too. <P/>The credit Bureau keep saying verified for FRADULENT information. Please not only investigate them but stop them from doing this to others in our state but other states.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved from California Mortgage releif program on XX/XX/2022 and its been 17 days since then, no appraiser has come to the house to appraise the property value as my property value has increased and PMI needs to be removed from my monthly Mortgage payment. Secondly since I served the case till now I was told several times by XXXX XXXX ( attorney of Mr. Cooper ) that she is trying to bring some resolution to the case and will present me a modification, 5 months have passed and no modification has been provided to me. 

Thirdly, XXXX XXXX now wants me to communicate her with postal mails only which is going to waste a lot of time, money, paper envelopes, paper and stamps, I don't have money to sent fed ex or overnight express mails, and why should I waste money on paper envelopes, paper and stamps when I already pay for the internet, additionally it is time wastage, because first class mail takes three days to be delivered and then XXXX XXXX will take additional time to respond. So a thing which can be resolved on email within 5 minutes, will take 5-10 business days, doesn't make any sense. Rather than solving the matter she is further making it more complicated. 

I further need clarification on when to make Mortgage payment, how much is my payment? and when Mr. Cooper will send an appraiser to appraise the property? and when will I get the modification done on my Mortgage payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My son went to the XXXX XXXX XXXX XXXX sometime this year. The hospital been sending him a bills saying that he owes them {$240.00}. After not getting a response from my son about this debt, they then sent it to the collection company Focus Recover Solutions to see if they could collect the money owed. Focused Recovery Solutions did not contacted me about this debt to see whether it belongs to me or my son because we have the same name. Instead the went ahead and place this debt on both of our credit report. I contacted the collection agency to let them know that I did not owe this money and that the debt belongs to my son. I also contacted the hospital about the debt and they also stated that this debt does not belong to me and that I should contact the collection agency again. I have contacted the collection agency 5 time already to see if we can resolve this issue.The collection agency states that they have already notify the all three credit reporting agency to have this item remove from my credit profile. XXXX and XXXX removed the item but XXXX will not remove the item and insisted that the item belongs to me. I have repeatedly disputed this item but XXXX  still say that the item belongs to me. I even try to get the collection agency on the phone with XXXX, but the representative from XXXX say she ca n't speak to third parties and will not take the information from the representative from collection agency with the control number showing that they already send the request back in XXXX XXXX to have this Item remove.I have also asked Focused Recovery Solution to send me a letter stating that this item belong to my son and that they have request removal of this item, but i did not get that request full fill. I again contact the billing department at the hospital and they stated that they will have the collection agency send me a letter showing that they corrected the mistake, still no letter. I did not go to the hospital and I do n't owe them the {$240.00} that is placed on my report. I need this Item remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get a modification or forebearance or something to help me when I lost my job back in XXXX. I finally got a job in XXXX but was turned down twice for assistance. My problem is that twice I received letters asking me to send information to them so they can review for assistance. I am getting confused on what is going on. I feel I am being strung along. XXXX are and PHH are both not being honest with me on what is going on. I want XXXX XXXX investigated also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.

Company response to consumer: Closed with explanation