BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
I've been disputing for months now, i have been getting nothing back from the bureaus. i will attach documents showing my letters being sent out.

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 2019-02-15
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently discovered that your company ran an unauthorized report on me on XX/XX/2018 and XX/XX/2018. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request.

Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature.

PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: NV
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 had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CORELOGIC 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: Account information incorrect

Complaint:
I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX  on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX   after reporting to XXXX XXXX XXXX XXXX that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

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 2019-10-31
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loans transferred from XXXX to FedLoan Servicing in late XX/XX/XXXX/early XX/XX/XXXX. I have yet to receive notification regarding the number of qualifying payments I have made toward the Public Service Loan Forgiveness Program. I sent an email XX/XX/XXXX asking when I can expect to receiving notification regarding the number of qualifying payments. When my loans transferred, I submitted all signed Employment Certification Forms for all employers. I received a response from FedLoan Servicing on XX/XX/XXXX stating to please allow 70-90 days to complete the review. I submitted the same question to FedLoan Servicing again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that each account must go through a detailed review process. I submitted yet another email asking the same question on XX/XX/XXXX. I received a response from FedLoan Servicing on XX/XX/XXXX stating again that each account must go through a detailed review process. I submitted the same question again on XX/XX/XXXX and received the same response from FedLoan Servicing on XX/XX/XXXX. As of today, XX/XX/XXXX, I still do not know how many qualifying payments I have made toward Public Servicing Loan Forgiveness for the Employment Certification Forms submitted when my loans transferred. I have only been credited for certification forms submitted after my loans transferred for my current employer. It should not take nearly two years to review my payment history. I even submitted the same information again, but I used the most recent Employment Certification Form for employers before my loans transferred. I still have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2019 XXXX XXXX of XXXX XXXX fl passed away. I am XXXX XXXX the surviving spouse. XXXX had an american express account. " XXXX '' was an authorized user on this account. American express has that debt still listed on my credit report. American express told me on a phone call on XX/XX/2019 that i was not liable for this debt seeing how i was an authorized user. I filed a complaint through XXXX and they investigated and said that amex reported that I was still liable. The account was in XXXX 's name the amex last 5 digits of the account # XXXX. social XXXX. I tried talking to them but seems to be going on deaf ears. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a Chase Credit Card where I make a minimum payment to since the credit card was opened in XXXX. I recently have gone through financial hardship and have been late on some payments as of XXXX of XXXX. I went over 6 years with on-time payments and 1 year with late payments. I had to quit my job of over 5 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Toyota Motor Credit XXXX XXXX disputed item for {$3000.00} XXXX XXXX sent debt validation letter XXXX XXXX mailed certified letters information about debt XXXX XXXX mailed letters to attorney general with log sheets of actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I worked for XXXX XXXX and got a {$6000.00} sign on bonus, I ended up off with a medical XXXX and was unable to return to that position. XXXX was to find me another position within the company and they were having difficulty and my boss at the time was pressuring me because she needed to fill the position, she wanted me to resign so she could fill the position, so I did while off with my XXXX. I was treated unfair with my XXXX and bullied into resigning, I never received a bill from XXXX XXXX for this, first I heard anything about it was through this collection agency, I should not have to pay this {$6000.00} sign on back because of this, now it is at XXXX Credit Management Company reference XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: NEW WORLD COLLECTIONS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had already faxed Equifax my documents for proof that I am me. They refuse to do anything to fix this XXXX and are now telling you guys Im not the recognized account holder or authorized representative?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Phoenix Financial is unlawfully changing the amounts of debts that have been removed from my credit and resold. They are denying that they are inaccurate. I have received two charges of the same debt from them. I called the creditor and the employee told me that XXXX is their client and admittedly verified what I knew. My dispute with the credit reporting agency was denied as well as the my dispute with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/JCPenney from 2008. While I made purchases from JCPenney in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, 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 2019-02-15
Company: First Data Corporation
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had lost my card on XX/XX/18 temporarily for a few hours at an airport and found it later on and found two charges that were not mine in total of {$700.00}. Clearly somebody had obtained my card information and made two charges and they denied the dispute and I appealed it and they had the nerve to lie to my face on recorded phone and say they had contacted me which they never did and I have the phone bill records to prove that. XXXX XXXX is already a shady company that handles the calls in the XXXX which is hard to understand any of the people talking to you in English. I had got in contact with them on XXXX-18 when they had the nerve to try and tell me they had tried to call my phone which is an absolute lie and said to wait another 45 to 60 days from the dispute date which it's already been that for another answer which is not going to get anywhere they have every reason to credit back my card and are not.

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 2021-04-01
Company: EQUIFAX, INC.
State: IL
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 contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX XXXX XXXX US DEPT ED-XXXX DPT EDXXXX XXXX  XXXX XXXX, I ( Original Creditor : XXXX XXXX XXXX ) -XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX**** XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX**** XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX,2017 CFPB had sent me a response from XXXX XXXX AKA XXXX XXXX about the discrepencies in the application of payments on this loan, have paid 27 payments on a loan at 13.9 percent interest, totaling XXXX monthly payments XXXX I got behind and then made a lump sum payment to company. The representative sent a ledger of in consistent applying of payments to my loan. They can never give a clear answer or audit the loan by reapplying each payment to clearly adjust the balance, In good faith after I filed my last complain a person from the company responded to you, they stated in this document they would adjust good faith XXXX off the loan balance which they did not do, they further were to do a deferrment and bring the account current so I could resume the loan, after you posted the response I waited to here from the company. I never received any communication directly and when I tried to call the person who replied to the complaint I was transferred to collections demanding lump sums of money or they were charging off the loan and repossessing the vehicle, as of date I have tried to get this loan resolved and no one is working with me. I feel I am going to be forced into legal action to protect my rights, and have this company forced into a repayment plan with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: ERC
State: AZ
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:
Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. 

I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. 

Report is missing past due amount, date of last payment, monthly payment, and frequency. 

Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: MO
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:
XXXX I sent a certified letter to Equifax and told them I looked at my credit report and saw a US Bankruptcy Court item listed on there. I told Equifax that under FCRA 623 ( a ) ( 5 ) : " if the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' XXXX Equifax sent a response saying that please be advised Equifax no longer reports judgments or liens on the Equifax credit file. The disputed item is not currently reporting on the Equifax credit file. Public Record : Lien XXXXI never disputed any liens!!!! 
Going further : They stated that they receive public record items from local, state, and federal courts through third party vendor, XXXX. 
Its still currently reporting on my credit report as discharged. 
Equifax told me if i had any additional information to send it in to them and I have. I'm going to attach all the documents i have sent to Equifax to you as well. 
I don't understand how a company can get away with investigating things that you have never disputed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ex-wife opened account with XXXX cell phone company in early 2013 in my name for our usage. 

Got divorced in late 2013. 

I changed cell phone carriers from XXXX to XXXX in late 2013. 

Ex-wife did not pay her portion of XXXX cell phone bill. 

Made numerous attempts to collect money from ex-wife to pay XXXX cell phone bill with no success. 

Outstanding XXXX cell phone bill went to collections in amount of {$520.00} Made numerous attempts to reach out to collections agency ( Convergent Outsourcing Inc. ) to settle dispute with no success.

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 2021-09-23
Company: EQUIFAX, INC.
State: LA
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:
After several attempts to get this Situation resolved I am still having this reported to my credit report!! On XX/XX/2021 I submitted a complaint with cfpb about the account XXXX XXXX balance XXXX high credit balance XXXX and reported as an repossession, the information on my report is reporting inaccurate in several different ways on my Equifax report!! XXXX XXXX XXXX XXXX both seen the inaccuracies and removed them from my report as Ive disputed this issue with Equifax several times and no response or anything Ive also spoken with a Representative and they also stated they have all my correspondence and none sent back out on their end!!! At this point I am considering an lawsuit against Equifax for failure to comply with FCRA rules and regulations to verify or validate the disputed item on my credit report if the issue isnt resolved immediately i demand validation the original contract that represents the same thing that is being reported to my credit report that was used to verify the account for you all to still have it reported to my credit report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX

Company response to consumer: Closed with explanation