BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NY
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:
There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received two letters from Bank of America stating they were closing both my checking account and my savings account. I called the number on the back of letter. Recording said if I received this letter, there is nothing that could be done to help 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 2019-07-03
Company: EQUIFAX, INC.
State: CO
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:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt was paid in full on XX/XX/2019. It is reflecting in my credit that it is " Paid Charge Off ''. This is for FMC-OMAHA SERVICT CT. I want this removed from my credit for all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-08-13
Company: MECHANICS BANK
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX XXXX, XXXX from Mechanics Bank ( her number is XXXX ) vhad repeatedly researched all the numbers associated with my name discussing my auto loan. I had missed one payment and she repeatedly left messages, texting about my auto loan, when I had left her a voice message for her to stop searching and calling different numbers leaving messages and texts. However, she has my home address and phone number for contact. This is not the first, I had faxed in letters stating for Mechanics bank not to search and call other people / phone numbers repeatedly. When I had called her, she does not answer the phone. 
She had called again recently, even when I had left her a message stating I will make the payment this week. 

In the future, I would like Mechanics Bank not to leave messages or text other numbers, she has my personal contact on file. I hope she does not do this to other consumers, as she is very rude when she leaves messages, not even a thank you or polite way to end the call on all her voice messages and texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I opened a Care Credit account with Synchrony Bank. I made all payments on time, usually ahead of schedule and paid off the account, although it remained open in case I needed additional dental work. The experience improved my credit due to the timely payments and the addition of {$1500.00} to my total credit ( impacting the ratio ). 
In XXXX I began receiving daily calls regarding a Penny 's account that I do not own. When I called the number in the message to clear it up, I found it was a Synchrony card. Since my social security number wasn't attached to the card, I was unable to speak with anyone about the problem and had to submit a secure message.. 
I simply asked that they remove my phone number from the account, making clear that the Penny 's account was not mine. I also warned that this could be a sign of fraud and they should investigate. 
I received confirmation of the complaint on XX/XX/XXXX ( attached ) I began receiving letters saying they would get to it soon. I was never asked any questions, nor was it ever clear that an investigation had taken place. 
On XX/XX/XXXX I received a letter ( attached ) stating that they had determined that my Synchrony care credit account had not been opened by me! It most certainly had!! 
They had closed the account and said I wasn't responsible for anything. I had monthly payments for nearly a year and they all disappeared. 
I tried to contact Synchrony by phone, finally speaking with XXXX on XX/XX/XXXX. I explained the situation and requested they open the account and make sure that the good credit acts were all attributed to me. She said she would check with fact finding and I should call back. 
I called back today, XX/XX/XXXX and was told that they could not reopen the account. 
I want my credit intact -both on the report and the credit extended. Furthermore, they need to change their investigation process. 
Please investigate Synchrony 's investigation process, internal practices, and provide some redress.

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 2019-05-15
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two separate issues. 
# 1.With American Honda.. I co signed on my daughter 's loan. They had incorrect info on her loan of 2 late payments. Honda had her info removed from her report after discovering it was an error. But XXXX and other two C. U. failed to remove her incorrect info from my report. # 2.Returned leased XXXX to XXXX dealership XX/XX/17 in perfect condition to GM at XXXX XXXX XXXX, in XXXX. We asked if we owed anything else as per our agreement. GM stated NO. We looked for another vehicle on their lot to purchase, had a new salesman who left us on lot, stating he was too hot. We went in and tried to tell XXXX XXXX ( OWNER ), what happened as we had no ride home. He told his GM to tell us he was too busy and ignored us. We called dealership across the freeway, XXXX dealership and they picked us up and we bought a car from them that night. My perfect XXXX credit score was ruined when XXXX reported me to all Credit Union 's, due to not purchasing from them.We TRIED to. I talked to Owner XXXX XXXX '' s assistant, XXXX XXXX,XXXX, explained what happened, she apologized and promised she would have it removed.She never returned calls nor removed.Credit score took HUGE hit. I have never missed or made late payment in over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my USAA account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have accessed my credit report and shows that my score has gone down 29 points. 1. Incorrect addresses that I have previously disputed 2. Collections account that I have disputed and reported as fraudulent, 3. Hard Inquiries that I have previously disputed AND 4. Former employers that I have disputed. After the last dispute is this what EQUIFAX does, starts to add old XXXX that was prev8diaputed and things out of no where?!?!! This is XXXX me off and affecting me as I continously stress I HAVE XXXX XXXX and this is NOT good. What the XXXX is going on? I say that XXXX was the cause of my first hospitalization and EQUIFAX looks they are in competition to put me back. If this is funny, it is not done me especially losing the use of XXXX i.e. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Company had received the debt from XXXX and placed on my credit report XX/XX/20. They sent bill to my address claiming I have debt. Call received from ERC immediately requested validation of said debt which I never received. I requested validation on their website XX/XX/20 and never received and they continue to call and or send bills. I also requested validation of debt on XXXX XXXX and haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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:
Equifax and XXXX  are incorrectly reporting me as an Authorized User on XXXX XXXX partial account numbers XXXX. ( Please see pages 7 and 8 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
I bought a car. I started an allotment for the car. I went to the hospital for treatment. The allotment wasn't processed in a timely manner ( which was later identified and rectified after research ). USAA said they sent letters to my home about my account. I wasn't there and never received them. They had my phone number and never called. They misspoke once and said they did call but I pulled phone records and proved that they didn't. They later apologized and I asked for my account to be corrected because they never called. I tried to correct my credit and was unable to. For years I have tried to correct it as it interfered with my clearance. It was corrected for 1 month then reappeared. The representative called me when I called the CEO office and was rude. She said it will not be removed and that I should stop putting in complaints. I was in fear of USAA retaliating so I stopped but it wasn't right. I called the CEO office and once again Mr XXXX said he didn't see removing it as a problem. Well I guess I was. The representative called me and said I should stop as the credit report will not change. I went to register my vehicle in XX/XX/2018. I had 39 days to get the registration completed. I received all kind of nasty letters from Georgia saying I was in jeopardy of committing fraud and my plates revoked. I called USAA in panic XXXX XXXX and XXXX. I was promised each time they were working on it. Registration takes 30 days. It was an electronic title. USAA refused to take responsibility that they messed up. Didn't monitor the transaction or needed actions. They did apologize those. My issue is that why when I made a mistake of trusting my actions ( the allotment ) I corrected it from a hospital bed nd no phone call from USAA, I get 3 years of unfair reporting. But when USAA makes the mistake of not obtaining my title in a timely manner due to oversight and negligence, I get the residual and backlash. No one dings them for this mishap. I think in good faith they should remove that blemish and this time for good as it was not done intentionally and could have been rectified sooner had they simply called me. They had 2 other ways to contact me. The bottomline is it wasn't done on purpose. I have never been late on ANY vehicle I have ever financed through them. We almost had another problem when they went in the account and tried to debit the payment BEFORE the due date. of course the allotment wasn't there and they said well we will only try and debit once. But why before the agreement/due date. That causes problems. I'm glad I monitored that transaction. I just want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX to Loan Care LLC end of XX/XX/2019. Since  my account at Loan Care was not set up, I made my XXXX payment via my bank 's bill pay. I set it up on XX/XX/19 and have verified with my FI that it went out electronically ( not check ) to Loan Care on XX/XX/19. fund came out of my account XXXX also. Loan Care still has not posted it. I have called at least 4 times, each time having to wade through a phone tree for at least 7 minutes, then on hold, then talk to reps who will not take accountability. First call on XXXX resulted in rep telling me bill pay can take up to 10 days to be received and posted ( even though electronic ) so i needed to give it until at least the 10th. I called after that and was told to send info- including showing my checking account was not negative at time! - to escalated payment research. I sent the first email to XXXX  ( escalated payment research ) on XX/XX/XXXX with my account info and showing the bill pay. I received only an automated response. since I did not hear, I called again and was told to track bill pay. on XX/XX/XXXX I sent the debit transaction # and the bill pay confirmation #, and I verified I sent to correct " address ''. I received automated response. I called on XXXX rep was unresponsive again. I called XX/XX/19, asking for manager- was transferred to 2 different people who are not managers. Last person, still not mgr, said she will submit forms to escalate and then put me on hold for 10 minutes, never came back. 
On XXXX, I received an email response that said " Dear Valued Customer, To research this request, we would need a copy of the cashed check both front & back, and the electronic transmittal form from your bank. 
Your request has been resolved and this ticket has been closed. " My payment was sent electronically, not check- and I gave them the electronic tracking info. They still have not posted my payment, so they should not be able to close this ticket. I made the XXXX payment on their website and it has been posted as the XXXX payment, making it look like I still owe XXXX. The only responses I am getting from Loan Care are either automated or collection calls. I have wasted at least 5 hours of my time, away from work, I have sent them everything necessary to track my payment, I have requested that they update me on progress or lack thereof, and Loan Care has done absolutely nothing or even explained.

I know I am not only one in this situation, as there are complaints all over internet. they obviously are swamped with this transfer. But they need to take responsibility, accountability, and get this done! 
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 2019-10-21
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have  reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there  were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX  On my XXXX XXXX   credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX  IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.

Company response to consumer: Closed with explanation