BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/XXXX I sent XXXX, Equifax and XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent XXXX, XXXX XXXX and Equifax a letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed.

I contacted Equifax 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a XXXX XXXX back in XXXX XXXX, was out of work for almost a year. Finally caught the mortgage up in XXXX, but have gotten behind. Company doesnot communicate, returns funds, applied funds to other accounts. Just read a XXXX review of loancare. This is not an isolated company. They say no mortgage paid since XXXX XXXX. Have an appointment with bankrupcy attorney as last attempt to save our home.

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 2019-03-01
Company: Tennessee Quick Cash, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Previous complaint # XXXX Issue with collection, business practices, harassment of XXXX XXXX XXXX XXXX aka Tennessee Quick Cash. For more than two to three years failed to send any accounting of debt. At XXXX, today repossessed vehicle and at XXXX XXXX, agents returned and sat at the end of my driveway even though they had the vehicle. This is the same type of behaviors and actions which have occurred over the last two to three years. It has been reported and complained about numerous times, yet no statements were ever given. Please see attach recordings of actions. They caused disturbances in taking the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX of 2018 I went to the hospital a free an accident and was seen at the emergency room. They did not file with my medical insurance they use my car insurance to file the claim and now they are saying I owe almost {$700.00} dollars in medical bills. But I have and had insurance the hospital never billed them. Now Im getting a mark on my credit for no reason I have tried to give them my insurance information but they will not take it. This is not my fault it is the fault of the file department at the hospital they had my insurance info on file they failed to use it. Even my insurance timely filing is 15 months it has only been 8 months. This could easily be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a copy of my credit report and there are a stunning XXXX accounts with Affirm being reported. I have never done business with Affirm ever. I have never had an affirm account or applied for an affirm account and any affirm account opened in my name was done without my knowledge and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: VA
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 received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I made a call to my loan provider Navient to see if they can lower my private loan monthly payment. I was told by two representatives that there is nothing they can do. I currently owe them $ XXXX in private loans. Ive never missed a payment and have been paying since XX/XX/XXXX. I have also called numerous companies about consolidation and I am getting no where to resolve this issue. 

I did notice Navient is being sued by the Federal Govt for not helping there customers. Now i can see why. Im starting to get nervous that I will lose my house and will have to file for bankruptcy. Companies like Navient are a burden to thousands of people and I can say that Im a vicitim of there poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018, my

Amex Bluebird card was stolen, along with a wallet, from my sister 's locked car. This was reported the day it happened, and they said I'd be protected, that i didn't need to worry. I trusted in the American Express name ... big mistake Today, my fraud claim was denied for the second time.

Several online purchases were made after I informed the company. My card was STOLEN. how is that not covered under fraud? I just want my refund. They refuse to do anything whatsoever, if i weren't dirt poor then I guess they might care. They took a month to reissue me a replacement card ; two weeks later i finally got paperwork which i returned on the same day. On the last hour of tje tenth business day they denied my disputes on both occasions Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, Attorney General 's office, is investigating! 
XXXX XXXX and Capital One, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! XXXX XXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local XXXX, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: ADVANCED COLLECTION SOLUTIONS LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was double billed by XXXX XXXX XXXX. My insurance through XXXX XXXX XXXX paid the balance. I forget the insurance company name at the moment as this was years ago and I have moved states. XXXX fraudulently sold the " debt '' to collections, specifically Advanced Collection Solutions, LLC. I have asked to stop contacting me multiple times, have requested they contact XXXX. XXXX is a fraudulent company trying to collect double payment. Advanced Collections needs to stop harassing me about a fake bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 customer service

Complaint:
In XXXX, my credit card ending XXXX has a credit balance of {$5300.00}, requested capital one to refund since then. 

the request was never handled properly so as of today i have not received my refund. 

On my phone call last week, the customer representative apologized and said " they dropped the ball '' for not processing this correctly. and the customer service GUARANTEED that due to the mistake, they will transfer the balance directly to my debit balance account. 

One week after today, i have not received the money nor a follow up call. So i called again only told that they sent out a check for the refund, when i question how my complaint can be heard, the customer service XXXX ( employee ID XXXX ) told me the complain is handled by " HIGHER UP '' can i can not talk to them. 

When called back again, another representative put me on hold for 17 mins until i hang up, when i specifically requested to be transfer to someone who can handle the balance transfer to me today. 

As if XX/XX/19, my money is no where to be found and somehow on capital one 's credit card account, it shows the balance has been refunded to me. Scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Mercedes Benz Financial Services is reporting an erroneous late on my credit file. I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/20 late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BETHPAGE FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Loan is fraudulent and a down payment was taken when it should not have been. My car insurance was not included in my loan and this is against my UFC code law. UFC -15 1611, UF16-05, UFC16 62. I traded in a car and was not given my right equity for my trade in value. I have the right to rescind these loan on the UFC violations alone. 

I purchased my first vehicle from XXXX XXXX in 2019 ( XXXX XXXX ) which was a fraudulent, i than trade that vehicle in for a 2019 passport which also was a fraudulent contract. 


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 2023-07-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: DISCOVER BANK
State: CA
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:
On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. 

Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. 

Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. 

Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, 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:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the 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 explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2017-09-17
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed the house on XXXX XXXX 2017. Please find attached closing documents file. We were approved with 3.9 % conventional loan but up to the last moment and keep changing techniques by loan officer- final loan interest rate charge/set is 5.37 % which is out of range as per regulation Z at that time frame. They also charged bunch of fees unnecessarily.
I asked government agency to file a complain against this company and US bank ( Mortgage Services III, LLC NMLSR ID # XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ) and Usbank.com who accepted and servicing this loan.
Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate discrimination and fraud for mortgage.
Please have them set our mortgage terms to 3.9 % and conditions and pay them damage cost and refund. If we refinance it will cost us extra {$5000.00} more.
We look forward for your help in this regard. You can asks our credit report to this officer and they can provides details about this loan.
We called US bank and other refinance agency/bank and they were surprised when we say this is a conventional mortgage rate we have. They said there is no way they can do this because regulation Z is prohibiting them to doing thisXXXX 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