BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: CT
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:
Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my Equifax report from XXXX XXXX XXXX I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: AC AutoPay LLC, Denver, CO Branch
State: CT
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:
Im on a joint auto loan with my girlfriend and when she decided to refinance with AutoPay, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from XXXX XXXX company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?

Company response to consumer: Untimely response
Consumer complaint received 2021-03-05
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a notice to pay a debt ( {$540.00} ) from Midland Credit Management , Inc ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX I responded with a lawful request asking the company to validate the debt, sent certified mail. I received no response from the company. Since the company did not respond, on XX/XX/XXXX I lawfully asked the company to cease and desist and to not report any negative information on my credit. In violation of the Fair Credit Reporting Act, the company has ignored my lawful request and began report negative information on my credit without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are trying to collect a debt over seven years old and have reported it to the credit agency as a new debt in violation of the credit agency rules.

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 2019-06-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX  XXXX  XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX  XX/XX/XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : TOYOTA MOTOR CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB will have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to XXXX XXXX, Transunion, XXXX, XXXX complete documentation of your Validation investigation, XXXX XXXX A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's

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 2020-07-14
Company: EQUIFAX, INC.
State: MD
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 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX sent me a letter on

XX/XX/2018 that states they will continue to damage my credit score and they may have the ability to sue me for the debt from XXXX XXXX if I attempt to pay or resolve the debt in various forms. The alleged debt total is for {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021, we received a tax delinquent notice that was supposed to be paid through our escrow account. The original amount was {$980.00}. I contacted Amerihome and was told over the phone that the bill would be taken care of and that the process was just delayed. However, in XXXX, I received a formal delinquency notice with a fee attached to the same bill I was notified back in XXXX, this time in the amount of {$1000.00}. Again, I reached out to Amerihome. I was then instructed to send an email of the letter and they would take care of the issue within 10 days. I never received a notice from Amerihome. However, I did receive another delinquency notice of the same tax bill in XXXX with another fee added to the amount of {$1100.00}. I therefore reached out a third time to the company and received instructions to repeat the process of emailing the delinquency notice and waiting 10 days before having it resolved. Within the 10 days, I saw that the bill was paid along with the fees directly out of our escrow account to the full amount of {$1100.00}. When I reached out asking why the bill and the fees were directly paid out of our escrow, we were then told that the tax bill was not their responsibility. Firstly, I would have appreciated being told before all the fees were added so I could have figured this out myself. Secondly, this is the first time in years of living here that we have received a delinquency tax notice that was not the responsibility of Amerihome to pay through our escrow. We have been paying all of our taxes through the escrow just fine previously, so I am not sure how they can decide one year that the tax bill is not their responsibility to pay. 
Later, as of XX/XX/XXXX, we then received a delinquency notice of our Home insurance. To prevent cancelation of our policy, we paid the month directly out of pocket to the amount of {$270.00}. In discussing this with Amerihome, they are claiming that the house insurance company has not provided any info for them to pay. I am not sure what info was required because we have used the same exact house insurance company since the purchase of the house. In discussing the issue with our house insurance company, they stated that Amerihome was simply not paying the renewal insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, 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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions 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:
Some one has use my social security and got school loans from the Dept of Education/ XXXX . I  contacted them about this. They been giving me a run around.It been over 5 years. They never respond.

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2018-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I called my mortgage company Wells Fargo to inquire about an endorsement for a check to repair my roof. During the call I heard a recording that said that my home was in foreclosure and scheduled to be sold on XX/XX/XXXX. As a result of the recording, I asked for additional information and was told by a representative that the foreclosure was filed on XX/XX/XXXX. As of today, I have not received a written notification that my home was going into foreclosure. I spoke to my lender on XX/XX/XXXX and was told that I didn't have a mortgage payment due until XX/XX/XXXX per the attached statement. After speaking to them on XX/XX/XXXX, I received a statement demanding that I pay at total of XXXX, however, it still does not indicate that foreclosure proceedings have started on my property. I am deeply concerned about the handling of this matter and don't understand why I wasn't given any type of notification.

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 2020-06-29
Company: Perfection Collection
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX have noticed a negative balance on my credit report I call my credit bureaus and the company that place me for collections the company stated that the account is me I have try to file a police report but the precinct is giving me a round around I told them that its not me they still keep posting this negative balance on my report

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 2018-01-31
Company: Lendmark Financial Services
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The problem is with the statement procedure.  For over 2 years, mailed statements only include regular payment amount due.  Statements have not had ANY information regarding amounts paid towards principal or interest, payments made, loan pay-off amounts, etc.  for this length of time, statements have the words “under construction” pertaining to the lack of information.  Online access is extremely limited; unable to update personal information, and payment due is vague (does not show past due dates, only amounts).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Sir/Maam ... My name is XXXX XXXX XXXX XXXX XXXX XXXX. I am an enlisted personnel of the XXXX XXXX On XXXX XX/XX/2021 I sold a XXXX  XXXX XXXX XXXX XXXX Buying Website called XXXX, the XXXX amount is around XXXX that is XXXX XXXX XXXX worth of XXXX, l was able to sell it in XXXX with more XXXXr less XXXX and it might got higher depending on the market exchange also according to the XXXX they are the one who would shoulder the payment of the transfer from them to my Paypal account. On XXXX XX/XX/2021 in batches they sent into my Paypal first the amount of XXXX including the Payment of transfer the later in the afternoon they send again to my Paypal the amount of XXXX including the payment of transfer, in total I only got more or less XXXX and as expected it got higher that the projected amount l first mentioned. 
At that moment when l recieved the payment ... Paypal emailed me to explain my transaction ans send them my proof and l did. l even send them my XXXX lD, l also explained to them the transaction l did.. lt is actually the first time l made transaction with Paypal and my accout is new.. however l have a Paypal account before but XXXX already forgot the password fo l made new one ... The next day XXXX XX/XX/2021 They send me an email that my transaction in my Paypal will forever be limited and they will hold my money worth of XXXX for 180 days ... l try to reach out to them but maybe beacause of Pandemic it is quite difficult. They said that my transaction is suspecious but l provided them the screenshot of my transaction and my ID ... they are becoming unreasonable ... 
lt quite difficult nowadays and so l was trying to make some money online while on duty and yet this is what they done to me very disappointing ... 
l am hoping that through your agency the Paypal will be able to restore my account and be able to withraw my money very soon.. 
Thank You..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX I deposited my paycheck to my American Express Serve account via their mobile account. At XXXX XXXX I received an email notification saying my money had been transferred from my account to an individual, whom I do not know. The name given on the email is XXXX XXXX. I called to dispute it. Changed my passwords, atm pin, ect. At XXXX XXXX on XX/XX/XXXX I received an email says they decided it was an authorized transfer. Then at XXXX XXXX they sent an email saying I had a negative balance and at XXXX XXXX I had violated section 15d and my account is permanently suspended. I called and asked for the information of the individual who took the money couldnt/wouldnt give me anything. I asked what 15d violation was they said they didnt know what it was. Unfortunately the police are unable to help track it down. 

I cut up my card and no longer have the account number since Im locked out of it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which XXXX XXXX rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.

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 2017-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX have alleged they were transferred servicing of this loan in XX/XX/XXXX.  I have vehemently disputed this debt since the alleged transfer and I have not made any payments or agreed to any terms to pay it. In XX/XX/XXXX, I sued XXXX XXXX referencing this alleged transferred loan to collect. XXXX XXXX will advise status of loan or communicate with me referencing the loan they 're alleging more than {$140000.00} past due. I 'm attaching statments and documents from XXXX to substantiate my claims.

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