BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: Experian Information Solutions 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:
Have reached out numerous times to provide proof that that this debt is mine as it is not accurate. Please see attached information sent to company reporting information on my credit report. They have failed to provide the proof that is being requested.

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 2019-05-13
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HI MY NAME IS, XXXX XXXX I = DID NOT MAKE THIS ACCOUNT OR APPLIED FOR THESE FUNDS, ITS = THEFT & FRAUD,, A FAIR RESOLUTION TO MY DAMAGES AND FINANCIAL LOSSES ARE = XXXX $ deposited TO mE FOR lOSSES FROM tHEFT & FRAUD, ETC NOT ME, NEVER SPENT MONEY ETC PERIOD. 


XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a promotional gift card from Citi for a XXXX tires purchase made in XX/XX/XXXX. The promotion provided an {$80.00} prepaid card with the purchase of a new set of XXXX tires. I received the card in late XXXX / early XX/XX/XXXX. Unbeknownst to me, the card had an expiration date of XXXX. The card was packed away in a move and later realized to be expired. I contacted Citi on XX/XX/XXXX to request a replacement, as I have done with other prepaid cards that did not have an expiration date. Citi informed me that the card had already expired and the {$80.00} balance on the card had been " forfeited. '' I have now learned that promotional cards are not protected under the CARD Act, like I had understood gift cards to be. This is another way for corporations to " legally '' steal from working people and it is shameful. It is certain that many other people are being taken advantage of in this way. I would like for Citi to pay what they owe to me and other mistreated consumers. I also implore CFPB to encourage legislation to protect consumers by including prepaid cards and other forms of circumnavigating the CARD Act into law.

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 2022-03-03
Company: EQUIFAX, INC.
State: OK
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:
Good Afternoon, I am struggling to get the credit bureaus to remove these hard inquiries from the XXXX XXXX XXXX company. My husband and I started the process of refinancing our house in late XXXX and it ended up taking more time than it should have. XXXX decided to run our credit over 6 times without our permission. I have been trying to get the credit bureaus to remove all duplicate non authorized inquiries off my record. They advised me to call XXXX XXXX and I did that I spoke with a XXXX today ( XX/XX/XXXX ) who told me I have to dispute them with the credit bureaus. So here I am needing assistance since they won't remove them. I need all 4 of these removed since they were not authorized by me these all duplicate inquiries they did without my permission and they can't provide any proof that I signed off on this. EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX, EQUIFAX MORTGAGE SER XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: The Outsource Group, Inc
State: MO
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 investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: VA
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 several attempts Ive tried to contact Experian to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.

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 2021-10-15
Company: CITIBANK, N.A.
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:
MACYS I already explained many times about this credit card back in 2016 and never used credit card. 
This balance doesn't belong to me.The address on this account is not my address as well! 
Almost 8 years old accnt

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 2020-09-25
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Vehicle was purchased from XXXX XXXX XXXX. The loan was through Credit Acceptance. This vehicle had issues from the very first day of purchase. Was pulled over minutes after purchase for not having working tail lights. After taking the vehicle back to have it fixed the mechanics wrecked the vehicle and busted a tail light out and didnt say anything. After noticing it we had to contact them to watch video footage and talking to the staff to find out what happened. The engine went completely out after that and I had to have the vehicle towed to the dealership. I spoke with XXXX directly and he asked me to call the lender and get a payoff amount to payoff the loan and email it to him. I gave him the amount over the phone and he asked me to also email it and he would handle it. I did several times and called several times after and he has never responded since then. He has ignored all calls and emails since. However the debt remains on my credit report. I was told that by the company that it was going to be paid off and would be removed. It is still on my credit as a negative item.

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 2021-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Over 7 years I have disputed this fraudulent account with Bank of America. They have refused to remove it from my credit report. 

I have submitted everything they requested : the police report, affidavit, soc card, drivers license, letter from my bank. 

I have called several times with in the last 3 months and was told that this inaccurate information would be removed and I would receive a confirmation letter. *NEVER* received any letter and it is still showing up on my credit 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 2017-11-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
What is this complaint about? 
I am complaining about XXXX XXXX who is a collection agency who claims they are collecting on behalf of XXXX XXXX. 
I have sent a certified letter to them on XXXX17 and I have also made attempts calling them and disputing the amount over the phone however I have not received a response other than them sending me a copy of a loan agreement with some payments. 
I specifically in this certified letter asked them to provide me with credentials to prove to me they had the right and a legitimate contract to collect on a debt for XXXX XXXX showing the amount. I have not heard back from XXXX XXXX. 

I am asking that they stop reporting this negative information on my credit immediately and to send proper documentation that states they have a contract to collect on the behalf of XXXX XXXX. I would also like to see a contract to validate with XXXX XXXX the amount which they are stating I owe. 

Showing me a previous loan document does not validate the account nor does it mean I owe XXXX XXXX the money they are attempting to collect. 

They have not followed the FCRA laws in not responding to my request therefore I 'm asking for them to immediately remove the reporting which is reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Home Credit Corp. Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone use my identity two years ago to get a car they checked XXXX financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask XXXX??? But they were never took off r handle when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection company Midland Credit Management , Inc have not removed a lien on my property after the lien was dismissed by the court. I also contacted the court about this and because no resolution at this point I see no other option but to file a formal complaint with a Federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXXXXXX auto back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: PA
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:
In late XX/XX/XXXXI was laid off and that carried over into XXXX. Laid off for the first time in my 12yr+ working career. I was struggling to make ends meat and to pay my bills on time. However, I call Navient and they basically said there was NOTHING they could do to assist me and that I should just continue to pay my bills on time. This did NOT sit well w/me as I struggled around the holiday time. <P/>Well, now I would LOVE to have my interest rate lowered for my current student loans, forgiven, or refinanced. That is my end goal here. I owe approximately $ XXXX and my projected payoff year is XXXX. I have called about this and Navient does n't seem to care or even willing to help instead they respond to me by telling me my next due date. <P/>Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to close account multiple times with PayPal as I had unauthorized charges on my account. I paid some of the unauthorized charges before I noticed that someone was charging on my account. I opened a complaint and closed my account. I continue to get harassed by the company and it appears they opened another account in my name or someone has. I am so tired of calling this company and getting the run around.

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 2022-03-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a business checking account with TD Bank. 

I received a new credit card as my old one was hacked. 

I called the bank to let them know that I would like my credit card linked to my online checking account so that I can view all my TD bank accounts on one website and make payments check balances etc. 

When I called the 888 number i was directed to 4 different departments and then the best part the last one told me to go back to the same department I had originally called This incompetence has got to stop as If they don't know their own systems especially when all the banks in the USA offer common online banking information there is something wrong with TD processes. This could result in the consumer being misled in future other transactions or accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Blakely-Witt and Associates, 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:
XXXX, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
1. On XX/XX/XXXX- It got Credit report from " Experian " that contain one out of 4 names.
wrong. They told me to contact XXXX XXXX XXXX XXXX, who reported that information.
2. When I called Experian, they me told me that name was provided by XXXX XXXX XXXX XXXX and that modification can only requested by XXXX XXXX XXXX XXXX only..
3. When filed dispute with them, on XX/XX/XXXXXXXX XXXX XXXX XXXX, conveyed me to call their Phone XXXX 4. I have been have been in communication with XXXX XXXX XXXX XXXX number of times, since XX/XX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XX/XX/XXXX, as requested by XXXX XXXX of XXXX XXXX XXXX XXXX 's president 's office.
5. When called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX PST, they told me to call again Experian tel # XXXX.
6. I called Experian tel # XXXX.on XX/XX/XXXX at XXXX XXXX PST, they told me that there has been only one updated from XXXX XXXX XXXX XXXX on XX/XX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by XXXX XXXX XXXX XXXX only, This is very stressful for a person who is XXXX years ... ..
Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..

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 2021-11-11
Company: Dynamic Recovery Solutions, LLC
State: LA
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 already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Disputed the report because the vehicle was reposed for XXXX missed payments, but now they are reporting I have 14 missed payments when that is not the case and my now ex-wife and I had signed paperwork through the loan office that was accepted by Santander Consumer USA to defer payments to the end of the loan. The information is incorrect on my credit report and I do not have 14 missed payments nor do I have the vehicle anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take note that this student loan from XXXX  XXXX  XXXX  was never paid late.. I have never been late on this account. The date of last activity is incorrect.. Credit Bureaus were not able to fix it, Please step up and fix the account from my credit 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 2019-08-05
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting a medical debt on a date that is over two years later than the actual date of service. This will cause the debt to remain on a credit report longer than it should. 

Also, this debt is disputed and I wish to sue the reporter, but the credit agency refuses to give me the medical practitioners contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Nelnet, Inc.
State: NY
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:
I have Low income. And each year I am to apply for the income-based repayment program. I tried on my borrowers website this year to apply but I was unable to do so for some reason it wouldnt accept my information. So I went to the federal student aid website and applied for my income-based repayment program there assuming it would transfer to my loan servicer NelNet. I called NelNet in XXXX to advised them of this and they said my payment would stay the same which was {$390.00}. However my payment went up to XXXX and I never received a notification that this would occur. The last email I received from Nelnet was in XXXX asking me to recertify which I had difficulty doing so I called them after I did it on the federal website and they said that my payment would remain the same but it changed and they did not notify me!

Company response to consumer: Closed with explanation