BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-17
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
I filed a complaint in this site on XX/XX/XXXX regarding Wrong information showing my XXXX that I have disputed multiple time and Hyundai intentionally keep reporting This account is paid off since XX/XX/XXXX. attached are the documents Balance {$510.00} Highest Balance {$0.00} Opened XX/XX/XXXX ( 4 yrs, 2 mos ) Term 72 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.

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 2022-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : 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

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 2018-06-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to 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 2020-06-26
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been contacting this company since the middle of XXXX regarding my XXXX payment to no avail. Just told " I can't do that, there is nothing I can do ''. No one seems to be able to make decisions at this company. I communicated with someone in the office of the president on XX/XX/2020 regarding difficulty making my XXXX payment due to COVID19 Pandemic and not working for 3 months due to stay at home orders. She spoke about my account receiving a " skip payment in XXXX and XXXX '' but could not give me another one for XXXX. I asked what other options I had suggested changing my payment due date to later date in XXXX in couple of weeks since I would be returning to work and will have income then. She told me there was " nothing '' she can do to assist me with my XXXX payment She again stated that she " could not make that decision '' and then told me " customer service could change '' my payment due date and then transferred me to XXXX, in the customer service department. When talking to XXXX, she told me " we can't change your payment due date for XXXX, we can change it in XXXX. '' I needed assistance with my XXXX payment informing her that I will be able to resume payment in XXXX. She then told me she would waive my late fee for XXXX and make a note in my account to not charge me a late fee and also so I don't receive calls from them about my missed XXXX payment. However, I received my bill, and the company charged me a late fee for missed payment in XXXX and they would not remove it from my account as promised. They also called me late in the evening while I was working about my missed payment, harassing me, when told I would not receive such calls because they were noting it in my account to not call and waive the late fee. I want refund for my late fee. I have been proactive in trying to problem solve with this company to no avail. I told them on XX/XX/XXXX that I would be able to make a payment by the end of XXXX, couple weeks and I did. I made payment on XX/XX/XXXX. Please refund my late fee.

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 2020-06-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Weeks back I got a ding on my credit file stating that there is a new collection on my account. I first called XXXX XXXX, the company that claimed that I owed the money. After asking me several questions, they agreed it was not mine and it would be removed .... STILL NOT REMOVED. 

I then called this collection company that just randomly put it on my credit file. Nothing they asked matched. I never lived in XXXX, Texas. I have never shopped in XXXX, Texas. These people told me the same thing, they would remove it, BUT NOT DONE. 

How do you give someone a loan with my phone number, drivers license nothing close to mine and yet claim that this is mine. This is criminal and highly illegal, not only giving some random person, most likely XXXX, claiming to be someone named XXXX from XXXX?!?, getting a loan in XXXX. FOLLOW ME HERE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My second mortgage transferred to Rushmore loan management service after it was being handled by XXXX XXXX XXXX. Rushmore mortgage got the account after XXXX XXXX failed to address the escrow issue with the loan. 
I have had Homeowners insurance since i have owned the house 11 years ago. i have sent to XXXX XXXX proof of having homeowners insurance for the last 6 years. Now Rushmore Loan Management services is trying to do the same thing and collect unverified or paid homeowners insurance on the property that they expect me to pay twice for. These practices have prevented me from making the accurate payment and they still working on collecting bogus money they never paid for. I am attaching the coverage on the house since XX/XX/2012. 
There should not be any late charges to my loan and there should be any owed homeowners insurance that i have to pay. The current company is trying to be me in default again and not even checking their records for accuracy. There is no proof on the service 's end to show i owed or didn't have insurance coverage since the current and previous servicer had handled my mortgage. 
There should be no reason that Rushmore loan management services charging me for escrow and putting in default on my loan because of escrow i had already paid and had coverage on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Roycroft Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Central Media Services to explain that before I would give them payment, I needed written validation to be mailed to me. I also asked for their state collection # and renewal date. They ignored my request, said " good luck '', and hung up. There is no way to contact these people except via phone ( very shaky ). # XXXX/XXXX XXXX , XXXX XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX/XXXX  with the Equifax and XXXX..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.

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 2022-08-10
Company: EQUIFAX, INC.
State: NE
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 XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I 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 my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
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: Account status incorrect

Complaint:
My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error.

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 2020-06-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the alleged bankruptcies amongst other items on my credit report with XXXX, XXXX  and Experian. XXXX  has removed alleged bankruptcies that were not mine as I have a victim of Identity theft, however XXXX  and Experian states after investigation that the information is " verified '' Upon further investigation, I have reached out to XXXX which the said credit bureaus stated XXXX XXXX XXXX XXXX has verified the information, however, XXXX stated that information has been removed and have provided me with a report to reflect that they DO NOT have the information in their files. Nonetheless, per the attachments the negative information is still being reported, which is causing me tremendous stress and harm. 

I have attached a copy of one of my police reports. As well as investigation results from Experian, XXXX  and XXXX. Additionally, I have attached, the results of the investigation of XXXX  with removals of inaccurate information, as well as XXXX investigation results.

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 2020-08-19
Company: Experian Information Solutions 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:
NEW COMPLAINT*** NOTE : This is my 3rd submission with Experian . I have previously replied with ALL Documentation confirming my identity while the company is refusing to acknowledge and review submitted documentation and complaint. 

Description : Problems with my credit report due to unverified misleading inaccurate information.

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 2018-04-16
Company: TransferWise Ltd
State: ME
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:
XX/XX/XXXX Evening XXXX XXXX Laptop received a pop-up stating to call " XXXX Support '' XXXX. 
This number stated they were authentic XXXX XXXX. They performed various things on my laptop and I was told I needed a new FIREWALL, which would cost {$440.00}. They transferred me to a company THEY suggested to have the firewall installed. They worked IN my laptop for several hours requesting address, DOB, laptop password, and of course, credit card number. Because they were working on it until late Tuesday night, they said they would call me the next day. 

XX/XX/XXXX Morning Being suspicious, I contacted my number for XXXX XXXX to confirm whether work had been completed on my laptop. The REAL XXXX XXXX said no activity was done by REAL XXXX XXXX but numerous corrupt malware had been installed. The REAL XXXX technician cleaned it all up. I have changed numerous passwords and canceled existing credit cards. I have notified all banking institutions. 

The REAL XXXX Care, who repaired all their corrupt malware, gave me a case number, in the event they must be contacted for the damage observed : XXXX XX/XX/XXXX Afternoon The charge from TRANSFERWISE of {$440.00}. was PENDING on my credit card. The CASE NUMBER is XXXX. I called the XXXX number requesting the charge be reversed but they became angry and demanded I do not call them again. 
LATER, I happen to receive a call from same scammers from number XXXX explaining they were NOT able to install the firewall and wanted to attempt it again. I actually had them repeat the statement " did NOT install it yet ''. Without letting on to their scam, I informed them I was no longer interested ( since they had not completed it ) and asked to have the charge on my credit card reversed. " No problem, we have a MONEY BACK GUARANTEE. I asked the name of their company - they said XXXX but I suspect it is fake, also. 

XX/XX/XXXX, + XXXX, XXXX XXXX sends emails requesting a PHOTO ID. Needless to say, I did not respond. They stated the transaction would be " unsuccessful '' if I did not provide photo ID ( which is what I desired ). Their last email, XX/XX/XXXX stated it was, in fact, unsuccessful and I would be refunded. 

XX/XX/XXXX The TransferWise charge is now in POSTED charges on my account ( versus the earlier PENDING ). No refund.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: ECMC GROUP, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All of a sudden my XXXX  check has been garnished.. when i called Social Security they said it had to do with the Dept of Education.. when i called them I got the number of a collection agency. This collection agency somehow was able to get a judgement against me even though they have been sending mail to address I havent lived at since XX/XX/XXXX. 

They had no idea I moved to Virginia in XX/XX/XXXXthey bought the debt in XX/XX/XXXXfrom a company that went bankrupt yet somehow they were able to garnish my XXXX  check. 

Its not my debt, they did not contact me and the 1st I hear of this is when my XXXX  check is being garnished.. this cant be legal the company is ECMC Corp

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 2018-04-16
Company: Navient Solutions, LLC.
State: SC
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 reach out to the department of education for Navient about the reporting on my credit card showing that i was late 90 days For XX/XX/XXXXover 10 times since my credit score has been impacted. Requested several time and even hand written a goodwill letter to the department in XX/XX/XXXXExpressing and apologize if they didnt receive my electronic paperwork in time for the repayment plan. I explain to them i suffer for migraines which is why i requested for the plan to give me time to get my healthy again to be able to work which they agree to but got blindsides with being reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
They have been reporting wrong information ( my name, address, accounts, etc .. ) on my credit report, I have sent dispute letters to fix this situation and the credit bureaus have simply ignored me.

Company response to consumer: Closed with explanation