BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
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 : 1. ) XXXX XXXX XXXX XXXX - Account # XXXX 2. ) XXXX XXXX XXXX - Account # XXXX 3. ) XXXX XXXX XXXX  - Account ( No Account Number ) 4. ) XXXX XXXX XXXX  XXXX - Account ( No Account Number ) has volated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy 15 U.S.C 1681 Section 602 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen has a copy of an allonge on their website which I have never seen before. Ocwen did not become our servicer until XX/XX/XXXX, but the allonge is signed by a XXXX XXXX as VP of XXXX XXXX XXXX with the loan number that was assigned to us by Ocwen in XX/XX/XXXX. The allonge is dated XX/XX/XXXX, same day as the closing date of our loan. XXXX XXXX has been with XXXX XXXX for 10 years, XX/XX/XXXX to present. We examined our loan file on XX/XX/XXXX and this document was not part of our original loan file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher called many times. I told them my insurance company was resubmitting the claim, because the insurance company had made a mistake. They didn't care. XXXX and XXXX were rude and belligerent to the point of bullying. I am a XXXX veteran and it took me a long time to get over the phone call. I then called my insurance company and found out the bill had been paid to the provider. Something has to be done to stop these people. They are out of control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 closed the credit card, but they charge me membership 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 explanation
Consumer complaint received 2017-08-11
Company: Lendmark Financial Services
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiries as follows : - - - - - - - - - - - - - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - - XXXXXXXX XXXX XXXXXXXX - - - XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - Collection Account as follows : - - - - - - - - - - XXXX XXXX XXXX XXXX - - - - - XXXX - - - Reporting inaccurate information as of XXXX. 
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX and XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement.

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 2020-09-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card by QVC called a Q card was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with  XXXX XXXX, QVC, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX  nor QVC has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX XXXX  remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs 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 2018-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX has wrongly stated that I had a late payment in a long perfect payment history with Auto Pay system. I had a prior vehicle to my present XX/XX/XXXX vehicle so my payment practices are crystal clear. As you will see that upon my acquisition of a XX/XX/XXXX the XXXX and XXXX payments were made and XXXX says XXXX was late - how ( again on Auto Pay ). Every month from XXXX XXXX until present - perfect on Auto Pay. 
I contacted Experian to lodge a complaint and I contacted XXXX personally. The XXXX basically read off his computer screen and could not explain further than that is what the file screen told him, useless! Today XX/XX/XXXX I contacted Experian back to question the non-change in my report - their answer to me was - we sent the inquiry to XXXX and they sent it back so that is it - again useless. I have attached 6 pages with explanation about what happened in actuality. Thank You in advance for your help and guidance. 

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed on my credit profile that do not belong to me. Please remove 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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX  AND TRANSUNION are both reporting publishing and disseminating false and misleading and damaging information about me. 
XXXX XXXX, ACCT. XXXX IS REPORTING ME AS A CO-SIGNOR FOR {$280000.00} ON A DEBT I OWE XXXX ON.XXXX XXXX XXXX committed fraud in the inducement to sign a contract.I was lied to and told that my signature and documents were for reference only.It is quite possible that I am on camera in the XXXX XXXX XXXX  office while this fraud was perpetrated upon me, The audio would verify my claim to FRAUD IN THE INDUCEMENT TO SIGN A CONTRACT perpetrated by 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 2022-07-10
Company: EQUIFAX, INC.
State: TX
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 went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: WI
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:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Since XX/XX/XXXX XXXXXXXX XXXX XXXX  has been reporting late payments on my credit report. Until XX/XX/XXXX they reported up to 120 days late. Suddenly in XX/XX/XXXX my payments are on time. I've never made more than my normal payments. When questioning them on these late payments they had sent me a letter for a mortgage that isn't even mine. They are reporting late payments on my mortgage from a mortgage that isn't even mine.

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 2018-09-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I signed up for a 0 % offer for a period of time ( i believe it was 12 or 15 months ). I  transferred over almost {$4000.00}. AmEx got me in at a promotional APR with a much higher APR once the period was up. Standard, right? I get it, but what bothers me is that I was never notified that that promotional period was close to coming to an end and being that I signed up for the offer over a year ago, it slipped my mind. Once I saw the interest pop up, I made the full payment ( {$3400.00} ), and I called in to ask for a an interest waiver since it was only the difference of a few days less than my full cycle that it took me to make the full payment. AmEx claims to pride itself in customer service, but they wouldnt do a fee waiver and they didn't notify me that my promotion was coming to an end outside of the initial agreement that I signed over a year ago. I think that reflects poor customer service. I wanted it to be known that I transact over $ XXXX/month on my credit cards. For a company like AmEx, with probably the highest interchange in the industry ( hence why many vendors don't accept their payments ), that's easily over $ XXXX/month for them if I used them for my purchases. Now I am forced to opine over a {$73.00} interest payment for a period when I made my full payment. Geez, the customer service at AmEx is getting bad ; what is the world coming to!?! I hope others in my same situation don't experience this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail onXX/XX/XXXX, sent from ACE Cash Express , Inc on XX/XX/XXXX, claiming I had " cashed the following check ( s ) identified at our place of business. However, upon the checks deposit and presentment, the financial institution refuse to honor payment. Since we have been unable to reach you, we request that you contact us promptly at XXXX XXXX XXXX XXXX XXXX to  resolve this matter. Failure to resolve this matter may result in additional actions. '' It's then listed check number XXXX, dated XX/XX/XXXX, maker listed as bill pay check multiple makers, for the amount of {$270.00} plus a fee of {$30.00}. 

Upon calling to inform them that I have never been to their establishment my entire life nor have I received a check in any form in the past 3 years and that there was no way that this could possibly be for me, I was then transferred to XXXX XXXX, the name listed on the notice. She seems confused over the error, and on three different occasions requested that I verify the last 4 digits of my social security number. She also claimed that all of the information including my address and my name were correct but it appeared my social security number might be off. At a different point she requested my full social security number and asked me to verify my middle initial. She then said that she was going to have to work with her manager to figure out what the problem was and would get back to me in 2 to 3 days. 

Return address on the envelope is XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Supreme Lending
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been contacting Supreme Lending to receive my loan estimate but they have not obliged this request and are now actively avoiding my calls. I originally applied with Supreme Lending in XX/XX/XXXX of XXXX and to this day, XX/XX/XXXX, I have not received a loan estimate. I have submitted all requested documents, but was lied to and told that I can not get a loan estimate until I committed to have them the lender for my loan. I have a hard inquiry on my credit due to Supreme Lending forming my application, so without at least an estimate this would be for nothing. Federal regulation stipulates that " Consumer must receive the loan estimate within three days of receiving : The applicant 's name, SSN, applicant 's income, the property address, and the loan amount. All lenders are required to use the same standard Loan Estimate form ''. I was repeatedly lied to and told that I needed a ratified contract in order to get the loan estimate and once supplied I was told that I need to select them as my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Problem with personal statement of dispute

Complaint:
I have disputed the same accounts multiple times and after the so called investigation by the credit bureaus it has not been resolved. With the indisputable truth and failure to disclose all information on credit reports even after disputes and still withholding information of my credit report from me. In regards to the following accounts : XXXX  account number XXXX and account XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have a membership family premier plan with Equifax credit Bureau, where my credit suppose to be monitored for a monthly payment of {$29.00}. The payment always been withdrawn from my bank account, I do have access to use equifax online services only to view my credit report but not to file or check a status of dispute, that shouldnt be, it shouldnt be a restriction in my account. Everytime, my personal information always been rejected by equifax online dispute center.I occasionally raised the issues to Equifax, unfortunately the issue never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Law Office of Rory W. Clark, APLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a noticed from FarMar Law Group who is representing XXXX XXXX whose parent company is XXXX XXXX. The noticed states that I have a settlement against me and Im not sure why this is happening. 

In the early XXXX I received letters from XXXXXXXX XXXX  regarding an outstanding debt. I contacted XXXX via telephone asking them to mail me all the paperwork proving that I owed XXXX XXXX and the contract I had signed with XXXX XXXX regarding the debt owed. I never received any correspondence from XXXX on my request and now Im receiving this notice. I know that XXXX XXXX and its parent company XXXX XXXX is being sued by the CFPB because of its tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries below are a result of Id theft and I notified Experian requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX XXXX 2. XXXX XXXX  3. XXXX/tXXXX XXXX XXXX 4. 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: The Bureaus, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Bureau collection item appeared on my XXXX XXXX credit report with no credit report. 
I have no knowledge of the account. 

XXXX responded they can not locate an account with the information provided, therefore they should remove from my XX/XX/XXXX Credit Report. I do not have another name. I submitted a dispute via XX/XX/XXXX again on XX/XX/2021. There is no account number on credit report.

Company response to consumer: Closed with explanation