BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have never resided at this addresses listed under " Associated Addresses ''. The other addresses are correct. 

Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
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:
XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While the account was never established the fraudulent inquiry was on his credit report. We received confirmation from XXXX they were removing the inquiry and acknowledged the inquiry was fraud related however an official dispute to remove the inquiry was sent to TransUnion credit bureaus and TransUnion confirmed the inquiry was accurate and factual. This reported inquiry is a violation of XXXX XXXX consumer rights.

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 2018-01-18
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a BBVA Compass ClearConnect Checking account on XX/XX/XXXX which had a sign up bonus attached for {$200.00}. This was my first account with BBVA Compass. I completed the requirements for the bonus on XX/XX/XXXX. The terms state they will deposit the bonus within 60 days of meeting the requirements, which they have not done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Confirmation number so Equifax can see my report. XXXX equifax removed a XXXX XXXX closed account off of my bureau 4 years ago because I proved it was not mine. It has since been off of my report since then until last month they decided to put it back on my report again which is illegal. They also have re aged the account to show last months date even though it shows the account was opened over 7 years ago and are reporting it with a charged off balance which is dropping my score by over 70 points. I have tried to dispute this error but it shows unavailable to dispute on equifaxs site. This is the only negative account I have on my report and it is keeping me from refinancing my home which is costing me thousands of dollars. equifax needs to remove this account completely again from my report or I will be filing a suit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. 

I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. 

Please have this inquiry removed from my credit file. 
I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

The company redirected me back to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I was robbed at XXXX XXXX and XXXX XXXX they took my cards id and phone and passcodes and Bank of America rebilled me saying no fraud which is XXXX Im going public with this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was charges on my card that i did not authorize and i files clam, well i did get my money back on my card, and then they said i had to show and prove my idenity for them to issue me a new card. I sent them this information by fax and by email 4 different times, i called both parties and talked to a few mangers and one day they say we are speeding pricess up the next says re summit and i am so over this i dint issue my card unployment did told them call them they wont im just over trying to get a new card. 

aslo would not allow me to change my address the address on this account is XXXX XXXX XXXX XXXX XXXX NE, 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 2021-09-08
Company: Experian Information Solutions Inc.
State: AZ
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:
The Bureaus-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  {$960.00} XXXX The accounts listed above do not belong to me, I didn't apply or use these accounts.This was fraud that was committed in my name. I need this removed from my credit file.

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 2017-09-21
Company: Charter Financial Services, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just received a scam to scare us into about our equity of our home that would become interest payable to our lender if we did n't take action with Charter Financial Services. It is saying the HUD 's letter will directly impact our Reverse Mortgage. It is a scare tactic to get a new Reverse Mortgage at zero cost to us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions 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:
On XX/XX/2020, XXXX XXXX  XXXX. add a hard inquiry on my credit report. The company 's response is attached.

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 2018-01-18
Company: Medical Data Systems, 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: Old information reappears or never goes away

Complaint:
The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and Medical Data Systems INC. perpetuate credit use with XXXX hospital records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.

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 2021-08-04
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've both called and sent letters to all 3 credit reporting services ( XXXX, Transunion, and XXXX  ). I asked if all 3 companies can remove an account off my credit report that was not mines. I never received a response and its been 68 days. I ask if this account be removed ASAP. 

XXXX Status : Closed Date : XX/XX/2018 Price : {$1500.00}

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 2021-02-17
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX , XXXX are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors.

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 
The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions 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:
My complaint is against the credit agencies, Experian, XXXX and XXXX. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, they failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to the collector themselves " XXXX XXXX XXXX '' Account # XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I 'm obligated to pay them anything. 
1. Identity of the original creditor.

2. A complete payment history.

3. Documentation that any collection fees were added pursuant to the original lending agreement.

4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 
5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account.

6. A verification or copy of any judgment, if applicable.

7. Proof that the Statute of Limitations has not expired on this account.

8. Proof that you are licensed to collect in my state.

They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b.

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 2021-12-08
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are constantly reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX XXXX XXXX {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$150.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date XXXX : XX/XX/XXXX Balance : {$99.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$91.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Carvana Group, LLC
State: IL
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 an unauthorized inquiry from XXXX XXXX XXXX/CARVANA To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I have tried to contact every one of the companies listed and most of them do not even have any record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attempted to make a payment via phone on XX/XX/XXXX in an effort to provide a late payment being reported on my credit report. About a week later, I noticed that the money was never drafted from my account so I contacted Bank of America. The representative and I verified the information given. The information she recited was correct. She stated that the bank rejected payment. I contacted the bank and discovered due to a recent bank merger, the routing number changed. I relayed this information to the representative. I then asked if he could rerun the payment and back date it for XX/XX/XXXX so that I would not have a 30 day late payment on my credit report. He stated no ... .. I then requested to speak to a supervisor. I explained my dilemma and was again told no. I told the supervisor I was in the process of receiving a settlement as was prepared to payoff this loan in exchange for a little grace. She emphatically told me no due to human error. For the last few years I have been paying late due to not being able to do full time work. My attorney advised that I file for bankruptcy on many occasions. I decided against it as long as I was able to maintain my credit. I received my settlement on XX/XX/XXXX and at the advice of my attorney, I again contacted Bank of America on XX/XX/XXXX and spoke to XXXX XXXX. I explained my situation to her and explained that now I have the money to payoff the loan if Bank of America would remove that one blemish from my credit report. Again I was denied. I am not refuting the debt or any late payments ... ... but would like someone to consider removing the 30 day late payment in exchange for me rectifying the debt in full.

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 2021-02-17
Company: Sterling & Associates, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX I contacted by Ms. XXXX from phone number XXXX. She stated there were charges pending against me. That if I didn't pay her, she would send my case to the federal court and sheriff. I would be arrested and charged for check fraud and other fraudulant activity for a payday loan. I have had loans in the past, and I was and am scared. 
I have to pay 3 {$500.00} payments. The first payment was on XX/XX/2021. I have an email receipt and it is noted on my bank account. My next payment is XX/XX/2021. 
Ms. XXXX said this loan is from XXXX XXXX, a large bank, and there is no way to determine whom the original loan is from. 
I am scared. I don't want to go to jail. 
This is not my first time dealing with this company. They threatned me and collected when the pandemic started. Ms. XXXX stated that if I didn 't pay, they would put me in harms way with the coronavirus. 
I need help and protection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have previously reported this company Pinnacle XXXX XXXX for their repeated phone calls and abusive language. Previously it was XXXX XXXX who called me, now they have XXXX XXXX calling. She called my phone twice on XX/XX/21, and left one message. I attempted to return the phone call that same day but the phone only rang with no answer. She also called a friend of mine twice on XX/XX/21. XXXX called again on XX/XX/21 and called my friend twice and texted him on this same day. I called XXXX back and once I realized she was with the same company as XXXX XXXX I told her I already disputed this with him and he told me I didn't need to do anything else. Then I told her she needed to stop calling and harassing me, and my friend with her endless phone calls and text messages. She began raising her voice, and telling me that " there's a process ''. I said I'm not giving you any of my information, so stop calling. She continued to yell and scream at me and eventually hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Well, My Concern, concerns several things, so I didn't exactly know which box to reference to begin my complaint. i got involved in this IDR loan with Navient because of What I was verbally told about ( concerning ) this loan repayment plan, which sounded good, verbally, ..at the time. HOWEVER, this info. is/was NOT actually the facts on paper. I got involved because I was mislead to believe that I would be paying on this loan for Ten ( 10 ) years,.. then it would be forgiven /dismissed. So, Here I am, thinking I will be forgiven within the next approx 5 years, since I originally got started with this plan. When I really begin to inquire into this loan, this past 3 months ago, I am now told that My plan doesn't expire till the next 25 years.!!?? Now, I was listening to what The Navient Representative Told me. MIND YOU ; I HAVE NOT BEEN READING ALL THE INTEMNIDATING FINE PRINT AND LANGUAGE HIDDEN IN THE REAL DOCUMENTS, UP UNTIL THIS POINT. I am Finding out Now that, The Verbal information I was Given, and was mislead to believe, was NOT True!!! I would NOT have gotten involved in anything of the sort of Arrangement, at my age,. I would be almost XXXX XXXX XXXX, or Dead prior to that time, trying to pay this loan I don't need to be paying on this kind of debt ( $ 22K ) plus more accruing interest,... to anyone,, at this point in my life.. All I get from Navient higher Authority, is an apology for mis-information, ( given me ), which doesn't pay the balance -bill, after being lured into this trap. Plz help!!.

Company response to consumer: Closed with explanation