BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-13
Company: Harpeth Financial Services, LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My account with Advance Financial was fraudulently breached on XX/XX/2018. The perpetrator hacked my account and began initiating payments from my bank account to free up balance on my flex account to then illegally and fraudulently initiate a payout of the balance. These payments resulted in several hundreds of dollars in overdraft fees in my bank account. I immediately reported the unathorized use of my bank account to my bank and the fraudulent use of my Advance Financial account directly to Advance Financial. I did not receive any responses other than automated email acknowledgments of my communication until XX/XX/2018 when my account was then fraudulently accessed TWENTY EIGHT times between XXXX and XXXX. After FIFTY NINE emails with Advance Financial and several phone calls I spoke with a XXXX and XXXX, who told me that he did not believe anyone had hacked into my account. After sending screenshots of the fraudulent charges and the 28 separate emails and the several emails of me pleading for someone to please respond and help, XXXX finally locked my account. At that time XXXX acknowledged the fraudulent use and initiated a refund of the fraudulent charges deducted from my bank account. At this point, there remains a balance due of {$3300.00}, which is a result of the fraudulent use of my account. This balance due has now been sent to collections with XXXX XXXX XXXX. I have made XXXX XXXX XXXX aware that the debt is NOT VALID and is a result of Fraud. I have also made Advance Financial aware to which the reply was your debt has been transferred to collection. THIS DEBT IS NOT VALID and is a result of fraudulent use of my identity yet I can not get resolution from Advance Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Santander Consumer USA 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:
There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These accounts listed and the Chapter XXXX Bankruptcy isn't mine. I have provided a document to show this. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
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 mailed experian 3 times asking for the documentation that they used to verify an account on my credit report, all 3 times they have provided nothing other than a typical " account verified '' ..this will not suffice as a final answer to the request i plaed with them.in addition to not supplying me with any documentation, i was told they would not reinvestigate this dispute as if they investigated thoroughly the first 3 times ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: NC
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 a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account

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 2018-02-07
Company: Experian Information Solutions Inc.
State: MD
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:
I have credit inquiries on my XXXX credit report that I did not authorized from XXXX XXXX XXXX for the following dates : XX/XX/2017 ( twice ) and XX/XX/2017 ( twice ).

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 2021-01-28
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2020 XXXX XXXX XXXX ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts or inquires.

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 2020-05-14
Company: VW Credit
State: MA
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:
Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: NC
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:
Contacted Equifax several times about an inaccurate discharge date reporting on a public record. Ask the bureau to investigate and send me original copies, proof of the date in question from the court house. From my understanding, i have the right to have accurate data reported at all times. An inaccurate date prohibits my ability to apply for credit. The investigation was done by a third party, and i have no knowledge of their process and methods of verification.Nor did they inform me of such after i requested. The court house has already expressed that they do not verify information with the credit bureaus via in person,phone,fax or email.My complaint is with the original documentation filed at the court house. I understand we live in modern times and most of the information is copied and posted online, however, i need the credit bureau to verify the accuracy of the account in question via the courthouse. THE ERROR IS WITH THE ORIGINAL FILING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: CA
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:
been calling and trying to email for the last 3 months. My loan was bought out from XXXX XXXX by Navient. Not sure why my rate went up without my knowledge. In addition there is a promissory note not signed by me. Also, from what i see on the summary page of what i finance i over paid and am due a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Coastal Credit, LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On or about XX/XX/XXXX I spoke to a representative at Coastal Credit and had made an arrangement to pay {$50.00} to get my XX/XX/XXXX payment deferred, the payment was due by XX/XX/XXXX. I had a problem getting the funds by that date due to the fact that I had to pay my rent and utilities since I am in the process of retiring those things were my priority, so on XX/XX/XXXX i called the company to see if i could pay it on that day. I spoke to the account rep XXXX and he said he would not accept it that I could pay the full monthly payment amount and the he could look at deferring XX/XX/XXXX payment. During the conversation he was rude and i felt harassed and pressured because he said to me something to the fact well you are 31 days past due and it can be reported to your credit bureau and isn't the car important to you. I told him no keeping a roof over my head is more important, so he said well what if we just come pick it up between XXXX and XXXX. I told him to let me know and i would get my stuff out and he could have it. He then said to me well you seem frustrated because you are talking over me I said to him no I am in a hurry to get to work and he kept on with you seem frustrated. He then began to say well he will give me a few days to think about it and follow up with me and he hung up on me. Later that night on XX/XX/XXXX a lady by the name of XXXX called me and we discussed what had happened between XXXX and myself, she said that her manager told her to follow up with me to see what they could do to help,, short of it she was willing to defer the payment and take the {$50.00} with it due by XX/XX/XXXX and a full payment by XX/XX/XXXX. I informed her that I no longer wish to be contacted by XXXX. She said that she would note my file and asked if she could call me on his behalf I said yes, but did not wish to be contacted by him again. Well long story short today XX/XX/XXXX i got a text msg from XXXX at XXXX XXXX my time and that is clearly a violation of the FDCPA. I am not to be contacted before XXXX XXXX my time and not after XXXX XXXX my time and he clearly violated that. Also after reviewing other text msg from this companies reps I also received a text msg on XX/XX/XXXX from someone named XXXX about a payment that I had scheduled that did not go through. This is truly to violations of the FDCPA within about a 90 day span. I called the company this morning ( XX/XX/XXXX ) and spoke to a lady that said she was a manager and that she would report this to the director.  I feel at this point that this is harassment when i am making an effort to communicate with them and to try and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TMX Finance LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Contract with TITLEMAX loan {$1700.00}. On XXXX. Was called by co. Employee on due date. ( loan due XXXX of month ) arranged to pay it off on the third or start making payments. Agreed loan made in XXXX Va. Manager said dont come here use the portal ( im nc resident, make payment via portal. Employee called me Friday nite of the third at XXXX XXXX  I was told they closed at XXXX " youare late on your first payment! Mam nothing would let me talk finally I said arranged to pay off on the third. I have here you were coming in office today at XXXX : XXXX  no mam I am paying on line not late due date has no grasp period but late payment fee assessment 6 days later meant contradiction in terms still not late by that contractual admission. She would not let up guests at dinner phone on speaker I was setting the table they heard it all. I said don't call me again this is not past due until after XXXX  and not then dont call me anymore! Hung up I have voice mail she called me back saying she apologized for the lost connection knew full well what happened I did not return her message. Complained to co name of employee sent letter scared they are coming after my car? Got letter from home office in XXXX GA. Lady threatened to take my car said she had my letter made no reference to it said me arrange to make payments XX/XX/XXXX in XXXX or she was going to get my car! Signed her name as a Legal Analist. I think Attorney said she was collecting or repose my car. I dont know where to pay who to pay or if she is a Attorney or clerk making these submissions. Afraid I am XXXX year old XXXX  adult. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2020-11-16
Company: Kriya Capital, LLC
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:
XXXX XXXX XXXX  calls me regularly, at least once per weekday, from a variety of phone numbers so that no one harassing number can be blocked. They almost never leave a voice mail message. 

They refer to me using a maiden name I have not used legally in over 15 years. 

I do not owe any debt. These calls are pure harassment. I have received no mailings, email, or other proof of whatever debt they are alleging that I owe. 

Recent calls from various numbers include : XXXX from XXXX XXXX from XXXX XXXX from XXXX XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: MI
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 have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

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 2020-08-29
Company: EQUIFAX, INC.
State: MI
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 have noticed that there are some erroneous information on my eport and I have contacted the 3 major bureaus regarding this information. I have been working diligently on my credit. It has been very tough during this pandemic and trying to keep up with the finances an all but I have contacted the creditors in relations to the errors that were made on my report and I have not seen a change I am requesting that all the items that are being disputed be removed immediately due to the COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: SC
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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CORELOGIC INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never went to this company credco XX/XX/2017 or i never asked or gave no one permission to use my name so y should i be charged for something ive never done or asked for so it was someone else ... Stop charging me an take off my credit please ive never went to this company before

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 2021-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My AARP/Chase Visa card needs to have plain English info about who each payment was made to as well as contact information for each charge. My monthly statement had a charge that had cryptic text for the company I paid with no contact information. Chase had no idea who they were or how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by XXXX XXXX XXXX to open up a credit card. On XX/XX/XXXX my credit was ran by Amex for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.

Company response to consumer: Closed with non-monetary relief