BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: CMRE Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true.

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 2023-06-29
Company: EQUIFAX, INC.
State: FL
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:
I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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:
XX/XX/2020 Experian did not resolve a dispute that was suppose to be removed due to me being a victim of identity theft. No action was taken and the company did nothing to help.

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 2020-10-21
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EOS CCA, XXXX. XXXX XXXX XXXX, MA XXXX Account # XXXX RE :  XXXX {$1000.00} Upon speaking with a Debt Collector about this alleged debt. I immediately, informed the Debt Collector that this was not my debt furnished on my credit report. I informed her that I did not open up a XXXX account in XXXX, NY at anytime. I proceeded to state that I have not used my maiden name since XXXX and disclosed that I have been residing in XXXX  since XX/XX/XXXX. This Debt Collector requested for me to proved that I did not owe this debt. She proceeded to ask for a payment " full '' or " half '' before sending me the forms. I responded " No '' that I am not paying for this debt I didn't create. 

I proceeded to ask what proof they had bearing I open this XXXX account. Upon, receiving this notice I sent a copy of my old driver 's license, paystub and insurance card bearing my marital name as well as proof of address. Because, this has been very damaging my credit profile. In fact, this defamatory remarks has hurt my opportunity to purchase a home. 

I have disputed this matter more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX This letter is in response to your recent claim that the account ( s ) listed above have been verified and that the information they are reporting under my name is accurate. 

I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation, including person names you have contacted, addresses and the method you used to verify it, or remove the negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: GOLDMAN SACHS BANK USA
State: NC
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:
I received an offer from XXXX offering Apple Card with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called Apple Card rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing Goldman Sachs ( processor of Apple Card ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, Apple is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The Apple card still came in the mail and didn't show as closed in their system XXXX weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and Goldman Sachs Apple card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX 's exact wording in emails received states : " Apple Card is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX credit card company closed our credit card in XX/XX/XXXX because of delinquency. 

I do not have the statements from 10 years ago so I called and requested the statements from XXXX XXXX XXXX. 

The representative told me she could see from " the notes '' that the account was closed and referred to their collection department on XX/XX/XXXX. 

She then referred me to the " recovery '' department who also told that the account was closed so long ago they don't have the statements any longer. The irony is almost too much. She reconfirmed the date XXXX XXXX XXXX closed the account following past due balances, XX/XX/XXXX. 

She also directed me to a fax number to direct my complaint. It is XXXX. I don't know who that is or where that number goes? I've been give that number in the past and have sent a written statement similar to this. 

After XXXX XXXX XXXX closed my account, I paid XXXX XXXX XXXX when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency or XXXX  XXXX XXXX " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt, not the date of the original deliquency they are required to report. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX! It was not. 

I wrote XXXX XXXX  XXXX. I called XXXX XXXX XXXX and the Collection Agency. They both blame the other telling me to call the other. I supplied all of this information to XXXX XXXX XXXX who ironically is in full possession of the statements and the closing date. I hired a credit repair companies to address this. Still, XXXX XXXX XXXX continues to confirm the re-aged date is accurate. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XX/XX/XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But XXXX XXXX XXXX and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a mortgage and finance the purchase of a new home with LoanDepot. This was in turn sold over and given over to LoanCare to service the loan and I recently learned that XXXX XXXX is the investor that bought my loan. 

I am writing with urgent need of help - LoanCare is harassing me for no reason - I am attaching couple can examples of how Loan Care is harassing me and how badly they treat customers. As one instance they are playing with my escrow dollars to pay for insurance that my building already has - at one point they too {$2500.00} from my escrow for insurance - it took over a month and 50 man hours in calls from me and the insurance company to finally get this money back in my escrow account. 

Another instance even though I was in Covid-19 forbearance for 2 months which I got out pretty quickly I paid in full and completely on time 2 weeks ago. Yesterday ( XX/XX/XXXX ) I get a letter saying that I was behind 37 days and had missed two payments. I had to waste 3 hours calling them just to find out that it was a mistake of their automated system ( had to put up with a customer service rep screaming at me and not wanting to hear my complaint ). I have multiple other examples of issues with flood insurance charges that are already covered by my HOA and have plenty of proof. Everytime I call them is at least 40 minutes on hold when they finally answer - they say its fixed, that it was an oversight in their part just to have another letter 3 days later threatening me that they will buy more insurance on my behalf because my building doesn't have enough insurance ( which is a lie and have to call them again ) - even though I already shared the insurance certificate with them. Loan care practices border on criminal harassment. For your records the loan numbers I am complaining about are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( unit rented ) Loan number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( I reside here ) Loan number : XXXX The latter one is the one I want escrow funds released back to me immediately - they are actually holding about {$1400.00} over my liability. My property tax liability is {$4000.00}. They are holding {$5400.00}. - I have all the proof you may need Please I need help - the stress Loan Care is giving me me is already causing health issues Thanks and regards XXXX XXXX XXXX XXXX : I am attaching a couple of examples of the type of harassing letter I get 3 times a week at least ( I have a credit score over 800 - never been late on a payment - so this type of treatment is new to me )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Turned prior lease vehicle XX/XX/XXXX was told I would be told about any damage charge within a month never received an update to the app as I have anouther lease with them and checked monthly - paid flawlessly on that auto and current auto - come to find out there was a damage charge only received 1 letter months summer XXXX mid pandemic telling me it was sent to collections and then I went to look at app and it said it was a past due status! I have never been past due on auto I can pay amount in full but I want a correction to my credit burea to reflect current

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Unifin Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company has sent a letter in the mail about collecting {$950.00} from unknown debtor. No further details have been supplied in the undated by UNIFIN, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX; however, it was sent to collections. Portfolio Recovery (bought debt from XXXX XXXX) says I owe $XXXX  but I have proof I paid $XXXX. The date open date says XX/XX/XXXX. I sent a dispute in XX/XX/XXXX and literally that day I received a response via mail. I have contacted this company on numerous occasions, but they tell me they will not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2018 I requested Equifax to renew my Extended Fraud Alert for a new 7 year period they refused saying I needed a new Police Report I am not filing another report this is a renewal not a new request they have no right trying to burden me a ID THEFT VICTIM telling me to file a new report and send them a new copy I am not going through that again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX XXXX I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
For at least two years the Bank of America has been unable to apply my overdraft protection and so I am constantly being charged a {$35.00} overdraft fee which is itself obscenely high! 

XXXX XXXX and XXXX have XXXX XXXX but the Bank of America is so incompetent it can not prevent this problem. 

It has lots of incompetent personnel as otherwise this would not be a problem that has last at least two years!

The Bank of America should be called the Bank of Incompetency!

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 2022-11-29
Company: DISCOVER BANK
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My wife, XXXX, set up a new bank account with XXXX XXXX on XXXX XXXX 2022 and wished to fund it. I linked this Discover account to it to fund it, and then authorized several {$2000.00} transactions to fund it. However, I or my wife never authorized a {$10000.00} transfer to the XXXX account. Shortly thereafter, on XX/XX/2022 a transfer for {$10000.00} was initiated from somewhere with my wife 's name, with the directions that it was to come from the Discover accounting ending in XXXX. I thought it might have been XXXX, so I looked at that account to see if any {$10000.00} transfers had been initiated with them. None had been, ever. Not just for XXXX XXXX -- there has never been a {$10000.00} transfer either requested or received. To confirm that there hadn't been a problem with their system, I requested a trace number from you and provided it to them. After checking their system, they confirmed that they had no record of that trace number ( XXXX ). I also confirmed with the other banks where my wife has an account that they had no record of a {$10000.00} transfer or that trace number, and they confirmed that they had no record of it. 

In short, Discover transferred money to a third party without my consent, and has no meaningful record of who they transferred it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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 explanation
Consumer complaint received 2017-12-18
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I purchased a new motorcycle from Honda with Honda Financing for the loan in XX/XX/XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XX/XX/XXXX. I notified Honda of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to Honda, however, Honda said I was late making a payment. My GAP insurance sent Honda a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called Honda. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of Honda. I have been communicating with Honda and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.

Company response to consumer: Closed with explanation