BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/2023, XX/XX/2023, I wrote to Experian to remove these addresses be deleted from my credit report. Also the following name listed on my credit report is incorrect. To date, I have not received a reply or any acknowledgment that this has been done. In my previous request, I ask that my 100 % accurate information be reported on my credit and request a reply within a reasonable amount of time.

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 2022-03-15
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX ) # XXXX, FXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXE XXXX ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXXS XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: USCB, Inc.
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: Was not notified of investigation status or results

Complaint:
this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2022-03-15
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
On viewing my credit report, discovered I had 3 hard inquiries from Bank XXXX XXXX, XXXX XXXX and XXXX XXXX services I never authorized.

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 2020-03-06
Company: Happy Money, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am interested in paying off my personal loan in full. I am extremely busy and I sent an email to the company on XX/XX/2020 asking them to send me a payoff schedule for the next few days. The company policy is that they will respond in 24-48 hours by email. I have not yet heard a response from them. Because the loan can earn interest daily, I am wondering if they are breaking any laws by not responding to me in a prompt fashion?? This is not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Kriya Capital, LLC
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 was alert by XXXX XXXX that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An agent from Phoenix Financial continues to harassment after I have asked him to stop several times on several different occassions. His name is XXXX. He calls uo until XXXX at night. He calls from several different phone numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found two accounts that are not mine. I did not open these accounts. These are two phone company accounts. One which already went into collection. Please remove these accounts for me ASAP. Thank you so much for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a Tj max master card and i made a perches through a add on XXXX for a XXXX XXXX sample cream for XXXX i When i received it I was happy i only bought this sample. Its was horrible and im sure XXXX XXXX did not put this product out. Before i received my bill i received another sample. When i did get my bill they charged me the original XXXX and for the second one they charged XXXX. When I called to start a dispute I was told they would dispute it and not to pay until there was a resolution. The next week i received another sample and was charged again XXXX I went back and forth with the credit card company. I faxed them all the correspondents- Always told the same thing it was still in dispute and not to pay that amount. This has been going on for a almost 2 years. I had a XXXX balance before these fraudulent charges and now with late fees high interest fees its now XXXX!! Its also on my once perfect credit report. I spoke to someone this week from the card company..barley could understand him and found out i was calling XXXX XXXX. In the past I've spoken to rep 's from XXXX, XXXX, XXXX I truly feel this is a scam and i need your assistance

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 monetary relief
Consumer complaint received 2020-03-06
Company: POPULAR BANK
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Had 2 Home Equity Loans through E-Loan, one XX/XX/XXXX ( Liber 3075 Page 904 ) and one XX/XX/XXXX ( Liber 3151 Page 336 and Liber 3428 Page 169 ). Both loans were paid off but only the XX/XX/XXXX loan that was transferred to MERS and XXXX XXXX shows a certificate of discharge and was recorded with the Register of Deeds. It appears that XX/XX/XXXX loan was transferred to XXXX, from the statements I have showing I paid it off with a check number XXXX. I contacted both XXXX and E-Loan, beginning in XX/XX/XXXX and in XX/XX/XXXX and XX/XX/XXXX to resolve the XX/XX/XXXX and XX/XX/XXXX loans still showing outstanding on my title so they could be recorded as paid off with the Register of Deeds. In XX/XX/XXXX, MERS and XXXX XXXX sent certificates of release for the loan dated XX/XX/XXXX to the Register of Deeds for recording. The XX/XX/XXXX loan continues to show on the title in Liber 3075 Page 904 even though it was paid off XX/XX/XXXX by me. When I send them copies of the payoff information, they still reference the XX/XX/XXXX loan that was released in XX/XX/XXXX. It's like they don't read the documents I have submitted showing the two different loan numbers under the different Liber and Page numbers. I have been trying to refinance my house since XX/XX/XXXX and have been unable to because of the XX/XX/XXXX loan still showing outstanding on my title when it was paid off. They both have received all of the attachments I will be forwarding with this complaint but I still have not been able to get a resolution to this. There were two different Home Equity Loans, one paid off through MERS and XXXX XXXX and one paid off by 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 2023-06-07
Company: The Capital Good Fund
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:
I have had multiple loans with Capital Goodfunds! My loan that was originated XX/XX/2019 they have reported XXXX late payments! 


I have email correspondence with the company to skip a XXXX payment and pay the loan in full in XX/XX/2019! At no time during our conversation did anyone say this would result in a late payment, as I have skipped payments with them multiple times in the past on other loans! They had originally reported XXXX late payment, I disputed it then they reported XXXX late payments! 

When I contacted the company she said I had XXXX late payments, XXXX late payment for XXXX loans, not XXXX late payments for XXXX loan! I sent her all correspondence emails from 2019 confirmation that they skipped the payment to pay in full in XX/XX/2019! 

At this point the company is still not removing these inaccurate late payments or acknowledging its their internal error!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Exeter Finance Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My car was repossessed byExeter Financing Company and for weeks I called in about my car and how I could set up a resolution or payment. I was told no I would have to pay it all in full. So I called in another time XX/XX/XXXX I called them after XXXX and I was talking to a member like I usually do and she was looking in to my account and thats when she told me that I could setup payment ( my first time hearing this from any of their members or reps so I was shocked ) so me being skeptical cause it was my first time hearing this I asked her if I pay today is there a possibility that my car would be sold in Aution. She said no, I repeated the question she confirmed no, I asked a third time she then said I assure you if you pay today your car will not be sold and you will get your car back I promise ( these are her words ) so she then begin to ask me how much can I pay towards the payment today. I have her the amount and before I gave her my card I asked her again about it being sold she yet again told me no. So I submitted the payment feeling confident and. Finally seeing some progress to this situation. Two weeks later on the XXXX of XXXX year XXXX I get a call after XXXX I could answer so I called back that morning and was told that the car in Question XXXX XXXX XXXX was sold and the balance was not charged off. Im so confused as to why they would do this after telling me that I would be able to get it back which I never received any documents of them telling me that they would sell the car. Ive never signed any documents with company or anything no correspondence through the variation of my account or loan with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I payed my loan and got confirmation for the payment. 
Then my payment reversed for no reason and they didn't give me an alert so my payment was late. 
I also enrolled in autopay on the same day and despite double checking info several times when this months payment date came around - it did not deduct from my account. 

Tried calling several times with no success and very long wait times.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have not now, nor in the past, ever had an account with XXXX XXXX. This false reporting of a charge-off account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2020-06-23
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-03-06
Company: Real Time Group, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I received a copy of my credit report and noticed that Real Time Resolution XXXX is reporting as a revolving account and that is not correct. This was not a revolving line of credit this was set up as an installment loan. The problem with the mis-coding on my report is, it's making my credit utilization report incorrectly. I initially obtained the loan to pay off credit cards. The account was opened with one company then transferred to this company. There may have been some type of mistake inputting the loan with this company at the time of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unauthorized inquiries reflecting on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person so you are requested to kindly delete below mentioned inquiries or else I will file litigation. 
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 non-monetary relief
Consumer complaint received 2022-03-15
Company: Accelerated Servicing Group LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have spam blocker activated in my phone so I can't answer the calls... they are trying to collect a debt from XXXX 's Rental from 2010 and call at least 5 times daily ... I can give exact times if needed. The name of the company is ASG Recovers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: OneMain Finance Corporation
State: GA
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:
XX/XX/XXXX XXXXXXXX XXXX failed to verify hard inquiries that I did not grant permissible purpose appearing on my credit report that I do not recall authorizing and did not sign an application for credit. The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. Including U.S CODE 15 U.S.C & 1681 ET SEQ. Section 604 of the Fair Credit Reporting Act. These inquiries being reported were never authorized by me and appear as inaccurate information on my credit file as a credit inquiry and must be removed immediately. 


1.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX 2.ONEMAIN FINANCIAL ( Finance ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation