BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Exeter Finance Corp.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

Police report and FTC report has been both filed and submitted XXXX, and Exeter Finance are breaking FCRA 605B ( 15 U.S.C. 1681c-2 ) by continuing to report debt on my consumer report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX, I submitted a dispute with Experian to correct information on my credit report. Those items are included in a screen shot I took of my Experian account. 

For starters, the dispute results were complete at XXXX, when Experian isn't open, which clearly means my dispute was sent overseas and not actually looked into. It was reduced to a code, sent through e-OSCAR, and returned from some source without actually being fairly adjudicated. 

Secondly, the bankruptcy came back as " verified with the source who provided the information ''. This is untrue as the U.S. Bankruptcy court DOES NOT supply or verify information with credit bureaus ; this is clear written on their website and was verified when I called my local Bankruptcy court in Indianapolis. As the U.S. Bankruptcy court has been placed on my report, they would need to verify my identity ; since they do not furnish data, they could not have verified the credit item. Therefore, it must be deleted. 

Finally, instead of deleting my XXXX XXXX Account, XXXX, they reclassified the account as a " personal loan '', which XXXX XXXX is an online store and not a lending institution.

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 2023-05-24
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: Information belongs to someone else

Complaint:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2019-07-29
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive phone calls from this company from different numbers. From the above number I have received phone calls 4-5 minutes apart. They are calling my cell phone through all of their different numbers. I have told them NUMEROUS times, that I can not receive phone calls until after XXXX as I can not receive personal calls at work. They ONLY call before XXXX. One individual told me that they don't have to abide by the call times outlined. He also advised that their phone system is on an automatic dialer so they do not have the ability to stop calls during any particular time of day. They should know that they can not call cell phones without express consent and that they can not be called on an automatic dialer. 

I have requested verification be sent from this company but they have not sent this to me directly. 

The company name is The CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2015 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

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 2019-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
HSBC approved my balance transfer request in the amount of {$5000.00} on XX/XX/2019, from a XXXX XXXX XXXX Mastercard. My outstanding account balance, including the fee for such transfer, was {$5200.00}, as of XX/XX/2019. The funds have not been received by XXXX XXXX XXXX, and HSBC was unable to provide any evidence that funds were sent to XXXX XXXX XXXX. 

It is deceptive and misleading to charge my account on XX/XX/2019, for funds that have not been transmitted as of XX/XX/2019. To the extent that HSBC requires processing time, my balance with HSBC should be held in a pending status, rather than being charged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX ; Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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:
Since XX/XX/2021, I have had three collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Chapter XXXX Bankruptcy-XX/XX/XXXX I never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX, GA XXXX Transunion XXXX XX/XX/XXXXXXXX, PA 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 2015-09-16
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank BBVA Compass charged my checking account discriminatory XXXX NSF charges of XXXX each totaling {$380.00} and they did this while not processing charges I made to my account in the order they would normally process to a bank. Therefore they changed the way transactions process so they could knowingly profit off of charges by discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: MI
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:
I have reached out to Experian multiple times about the situation. The customer service rep is rude and unhelpful. I made several disputes regarding my credit report. My sisters information is reporting on my credit report. I have disputed it with Experian. Each time they finished the dispute and still reported my sisters information on my credit report. I attempted to resolve this with Experian numerous of times, with online disputes and reported disputes with their customer service phone representatives. Experian is not doing an adequate job of reporting the correct information and removing my sisters information from my credit report. My sister and I have no accounts together and there is no reason why her personal information should be on my credit report. This is a invasion of privacy and Experian has broadcasted my sisters private personal information. Currently my sisters credit card is still reporting on my credit report and my personal credit card information with XXXX XXXX was removed off my credit report and reported on my sisters credit repot. Below are issues that I experienced with Experian. 

Information belongs to someone Information is missing that should be on the report ( missing credit card ) Personal information incorrect ( Ssn, address, name ) I would like my credit information to be updated to report accurate information.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card and tried to use it online at both XXXX and XXXX on XX/XX/2023. The transactions were declined. I called and was told to redeem it in person. Tried to use it at XXXX XXXX XXXX in person today and declined as well. 

I have another card that I have tried to use at a Gas station and XXXX XXXX. Declined as well. 

I have spent 4hours on hold between yesterday and today and can not connect with a representative.

This is false advertising as well. Says you can use anywhere that accepts credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2018-08-08
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the debt in full, was promised a receipt and update on my credit report. I never received a receipt other than a blank one and  my credit report verified it as accurate with the company, and it is showing I owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Hatfield, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took an advance from Grid months ago. Once it was repaid, I wanted to delete my entire account with them. This was in XX/XX/2023. They do not allow you to delete your information from their mobile applications or from your online account profile. I was told that they had to do it from their end. Today, XX/XX/2023, they have again charged me {$10.00} for a " membership fee '' that I did not want ... which showed me that they didn't delete my banking information from their databases. 

These people are a scam. They will continue to charge you even after you have cancelled your " membership '' with them. Do NOT get involved with them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Thaxton Investment 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:
On XX/XX/2023, in my spam email is a scam email asking for money for a non-existent loan from a company I have never heard of nor contacted. I was going to report to this to the FTC but my choices had me redirected to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'VE BEEN WAITING FOR SEVERAL MONTHS FOR THE CREDIT BUREAUS TO RESPOND TO MY DISPUTES AND IT'S BEEN A HEADACHE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX my account number is XXXX with capital one bank my address is XXXX XXXX XXXX XXXX XXXX la XXXX and my social security number is XXXX On XX/XX/XXXX I received a small business loan for my business for {$20000.00} later that day I tried to get some of my funds out to go pay some of my bills for my business because my payments was behind and they froze my account say the XXXX XXXXid they had to but I called the XXXX  and they said they never said that and I shouldve received my fund because Im a XXXX XXXX I work for XXXX. So Im not seeing was the problem and I need my money for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried to resolve this debt right after it was given to me. I am a XXXX Veteran and this debtor has not received payment from the Veterans Affairs for whatever reason. I gave the original debt collector the payment info but they continued to reach out to me. Now a US Appeals Judge has ruled in XXXX XXXX XXXX that the VA is indeed responsible for these debts at NON-VA emergency rooms etc. This debt collector needs to take this up with the VA.

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 2023-11-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received 2 American Express XXXX XXXX cards within the last few years. XXXX for {$100.00} ( expires XX/XX/XXXX ) and another for {$50.00} ( expires XX/XX/XXXX ). I can not use these cards anywhere online. ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX to name a few ). I have tried to use it at a XXXX store and it was declined. These cards are basically useless to me.

Company response to consumer: Closed with explanation