BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
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:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. 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 2019-03-27
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I am 15 days late on a payment I am charged a late fee. When I log into my account and pay the late fee I thought it was being paid. The late fee payment that I made was not credited to the late payment, this happened numerous times. I only find out when Ally sent a letter in the mail that the fee wasn't applied and was still being reported late, over 30 days. I have to physically call Ally and complain numerous times. When I call they tell me they will fix it so I thought that they did. Now I am being told by a mortgage company that it is still showing over 30 days late numerous times. Please see the attached 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 2018-12-13
Company: Experian Information Solutions Inc.
State: MO
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:
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: SC
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company Inquiries : 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 2017-08-03
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have written this company a second letter asking them to verify the original agreement and prove that I owe the debt, They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Have no information as I did not authorize this nor have a received anything from this company.

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 2020-08-21
Company: Service Finance Holdings, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i lost all XXXX of my jobs and lost XXXX relatives. i am deeply affected by the pandemic and my employer is not allowed to open yet because i work for XXXX  and XXXX XXXX in XXXX XXXX. i was able to sign up for 120days of deferred payment with service finance. but i still cant pay them to this day, i still dont have a job and the governor is still not allowing my employers to open. i called service finance to try to sign up for more time in deferred payments. they said they cant help me. i also asked for a hardship assistance, i asked that maybe they could help me out but they told me that they have absolutely no help to give and there is no hardship assistance they can help me during this covid-19 pandemic. i dont know what to do. they will ruin my credit report and charge me late fees. Service Finance Company LLC have no heart. they expect people be back to be miraculously back to normal after 4months. this covid-19 pandemic took so many people and i lost all XXXX of my jobs. they dont even offer any hardship assistance. they wouldn't care if you'll want you to kill yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: CT
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:
To who it may concern. 

In late XX/XX/XXXX, I XXXX XXXX parted ways and disconnected services with XXXX XXXX. Closed account number : XXXX. During the cancellation phone call, I requested to pay my final bill and agreed to return all equipment required by XXXX XXXX. The representative processed my final bill payment and confirm my account was now closed and completed. 

Seven months later while working with a credit lender for my business. I was made aware of a debt collections from XXXX XXXX for a past due amount in XX/XX/XXXX. The account was confirm by XXXX XXXX, Executive Escalations, Office of the President - XXXX on XX/XX/XXXX. Confirmation email was sent and states account status as paid in full and credit record would be deleted due to sender ( myself ) not being notified of debt. XXXX XXXX confirmed XXXX XXXX Representative failed to update new mailing address. The deletion and retraction process was confirmed to me by XXXX XXXX, process could take 60 days from the submit date XX/XX/XXXX to process and complete. 

Sixty days later while working with the same credit lender in XX/XX/XXXX, I was made aware of the same debt collection on my Experian Credit Report from XXXX XXXX. I once again contacted XXXX XXXX and they confirm the debt was paid in full. As well as the request was sent to have the collection deleted and retracted from my Experian Credit Report. XXXX XXXX XXXX once again processed the deletion and retraction request to Experian for the second time. 

XX/XX/XXXX while working withe the same credit lender. I was again made aware of the XXXX XXXX XXXX collection was still an active collection on my Experian report. Ten months has now past since I was confirmed by Frontier Communication collection would be deleted and retracted from my Experian Credit Report back on XX/XX/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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a collection reporting from XXXX XXXX which is reporting, I requested documentation to show me what this is. They didn't provide me with anything showing that this is my account or the amount is accurate. I have gone above what is recommended to get the information from them. 

I also requested an investigation into this matter with XXXX & XXXX they both removed this since it is inaccurate.

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 2021-06-01
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I received an email to my work email from an account that said it was my boss. He asked for my help on a task and for my phone number. I gave him my phone number and he texted me from the number XXXX. He asked me to purchase XXXX XXXX XXXX on his behalf. I purchased nine, {$200.00} on his behalf. I then found out that this wasn't my boss and that this was a phishing scam. My bank has rejected my fraud claim twice and has refused to give me the {$1800.00} back. When I realized this was a scam, People 's said that they could not because my ID from when I opened the account in XXXX ( my passport ) was expired, even though I provided People 's with my up-to-date passport back in XXXX when I got a new debit card from them. When I realized this was a scam, the charges were also still pending on my account. However, People 's refused to take any action on these pending charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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 have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: IL
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 went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ok, i never heard of this company and never had any dealing with it, so it came to a shock to me to see this company into my credit report i never had any kind of communications from this company and don't know what this company all about, especially that i m very careful about my credit history,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
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:
Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. 
I also receive calls on my cell phone but they don't leave a message. 
I do not owe Concord and have never heard of them. I don't have loans outstanding!

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 2020-05-29
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:
XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX - Card Service  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX  - Card Service Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing Credit Union XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos . 
XXXX XXXX # XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New

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 2020-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied to refinance two home loans with Fifth Third Bank. The applications were completed at the end of XXXX and I was told it might take 3 months to complete. We are closing in on 5 months, now. I am continually told that everything is in process but can not get a firm answer about approval or closing. My loans are straight forward, no risk loans. One is for 20 % XXXX ( XXXX ) and the other 65 % XXXX ( XXXX ). I am high net worth individual. 
I have talked with XXXX XXXX, Loan Originator and XXXX XXXX, Loan Underwriter. I can't get a straight answer. I feel misled and an application should not have been taken if this instituition can't process loans with 5 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In XX/XX/XXXX I pulled my credit report and discovered accounts that I have no recollection of. In XX/XX/XXXX I sent in a dispute to have the matter resolved. I have done this each month up to XX/XX/XXXX and each time it has came back verified with no method of verification. I have called several times and they tell me they don't know what I'm asking, they can't find my dispute, they can't read my Id or to just dispute it again. I have asked over and over who in there company has verified it and how and they have failed to provide that information. They also have inaccurate history showing the account to fall of in XX/XX/XXXX but is actually due in XX/XX/XXXX. The dates are even wrong and this shows me that they have not actually verified anything. I have attached the account in question but do have copies and documentation I can provide as well showing what has been sent to 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 2020-08-18
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 information incorrect

Complaint:
My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and XXXX XXXX XXXX on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from XXXX in attempting to resolve this matter.

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