BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has continuously proceeded to report erroneous information in my credit file even after knowing and accepting it should be deleted. I have called to file a dispute and was transferred and placed on hold for hours to eventually be transferred to XXXX Equifax and then hung up on. they refuse to even take calls or correct their errors

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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:
XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX  has not been able to present any documentation from XXXX XXXX XXXX stating that I still owe a debt to 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 non-monetary relief
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I would like to first point out XXXX XXXX XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. 

XXXX XXXX XXXX 's reported to Experian, the first date of delinquency reported in XX/XX/XXXX.  Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. XXXX is attempting to restart the debt by reporting the first date of delinquency is XX/XX/XXXX, without including historical data. 

I have been reaching out to Experian almost one month regarding the reporting of XXXX XXXX XXXX on my credit report. Explaining XXXX is not reporting the data correctly. I spoke with XXXX on XX/XX/XXXX XXXX EST who is a customer service representative at Experian she explained there is no record of XXXX XXXX XXXX 's reporting on any of my credit reports from XX/XX/XXXX. I have attached the reporting for Experian to review.

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 2019-09-18
Company: AMERICAN EXPRESS COMPANY
State: UT
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 XXXX an unauthorized inquiry from American Express appeared on my XXXX credit report.this was not authorized by me my ss # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX XXXX  stated that Giftcards.com DBA Blackhawk Network cancelled the order twice, while the phone prompt system incorrectly stated that the orders was processed. Initial order was duplicated after transaction was unsuccessful. Information was hidden from account. Transaction history for past orders was removed from display. Same issue occurred previously two to three years ago, while other orders were successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: MD
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I broke a lease that only had 1 month left because i could no longer afford it. I had arranged it all with the leasing office and left the apartment in great condition. After i noticed that i had a collection for XXXX on my credit report i asked them to send me what it was for and they haven't. There is no way that i should owe XXXX. They are trying to gauge me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: MD
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. 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 2019-02-15
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. 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 non-monetary relief
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 information incorrect

Complaint:
i have reach out to XXXX as well as equfiax concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: TN
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:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00}

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 2018-10-15
Company: General Motors Financial Company, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i have responded to GM Finanicial about this negative item on my credit report and they have not validated the item with my signature and has violated the FCRA by not validated within the 30 day time period since XX/XX/2018 an i have documents to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: LDF Holdings, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for a {$200.00} loan online. I have done this before with other companies with no problem. I was under the impression it would take about 6 months with automatic monthly payments of {$53.00}. The loan started in XXXX so when I saw the sixth payment come out of my bank I went online to check the status of the loan. I was shocked and horrified when I say that payments were scheduled until XXXX. The total amount I was to pay back is over {$1500.00} for a {$200.00} loan? They are charging over 64 % interest. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You

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 2021-04-08
Company: Cawley & Bergmann, LLP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i am writing this complaint about cawley & bergmann llc. debt collections. 

in XX/XX/XXXX i was contacted by them about a debt that i can't confirm the total if i own or not, They informed me i could get a discount if i agree to pay XXXX which XXXX up front with high pressure to come up with that amount. to get discount and XXXX a month auto withdrawal every month. i agreed cause i ran out of time to find the amount i may have owned before the discount would end. i paid XXXX on XXXX by direct withdrawal and then XXXX started the XXXX a month auto withdrawal.. the pandemic hit but i made sure the money was in the account. XX/XX/XXXX came around and i receive a email that i breach the contract and i own the full amount that i still cant verify. i called them and they said that XXXX payment wasn't received. i checked my account and no auto withdrawal was not made in XX/XX/XXXX, i said that money was in the account and asked what happened and was told i needed to make the payment myself, that auto pay was termed on XXXX. i said who did that i didn't and they said i only agreed to 12 payments. then the high pressure is applied again again with the how much money you can come up with how and we will see, they wanted the whole thing really. all XXXX now or else. i said why did the auto withdrawal stop and was told that i only oked 12 months, i oked it until it was paid off. i checked my emails and didn't receive anything stating that auto withdrawal was ending. the only email i did receive was that they were starting collections proceedings due to my breached of contract, they know i am a busy person and that was why auto pay was setup to begin with by them and what they wanted, i didn't look to see what was going on cause i am busy with all that is going on i though that all was being taken care of. 


then they were like what about your taxes and all other kinds of questions to get all they could at once. i called them on it and was given the run around about that it was all me. 

They stopped the auto withdrawal so that they could redo the same thing they did before and get a big amount of money which was XXXX this time per them and XXXX a month until the XXXX ballance from the first agreement is paid. i don't even know if that money i am now paying is going to the loan account or if they did this to send the new auto pay to another account and the original debt is already paid. 

why do they just stop taking auto payments before a debt is paid. why didn't i get a email to that fact? they stopped the payments and i think its all a game with them. they have caused hardship and such

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
No action taken due to service used to transfer the money ( XXXX ) Bank of America XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} XX/XX/2021 - {$350.00} this was a rental scam - I have proof if needed

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 2020-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX, and experian preventing me for getting anything approved they saying my social is not who I am I've sent my license and social security card certified mail so I know they have but don't want to remove statement

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 2018-10-15
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am being threatened by ADR out of Texas. They said they are going to take me to court and put a judgement on me for a debit card overdrawn debt from XX/XX/XXXX. I haven't heard from anyone in years. This was my deceased husbands doing back in XX/XX/XXXX I believe. Like I said I haven't heard anything in years, until today. They are calling my family members and trying to get information from them. I did call them back and explained to them after the fact they told me what it was, after they verified my information. I did tell them that I didn't do that and that my husband did. He is now deceased, but because I was the primary account holder I have to pay over {$1000.00}. The statue of limitations has done expired on this old debt in Florida. Who can I dispute this with? I was also told that because I verified my last four of my social security and admitted because I explained to them about that account. That they have the right to serve me papers and take me to court. And put a judgement against me. Also told me good luck in a sarcastic way.This is over ten years old!!

Company response to consumer: Untimely response
Consumer complaint received 2018-03-26
Company: CNG HOLDINGS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a dishwasher from XXXX and used there rent to own program. The Dishwasher was purchased in XX/XX/XXXX for {$600.00} and With a payment of XXXX it was my assumption that I would be done paying the debt in XXXX. Here it is XXXX and I was surprised to see that this amount was still being deducted from my account. I called them this last Sunday to see what was happening and they told me that I never contacted them to arrange a buy out? I was confused because this was never explained to me at the time of purchase. I asked them to send me a copy of the agreement with my signature and they stated that it was a virtual signature taken via my credit card at the time of purchases. I have paid this company {$1000.00} thus far and informed me that I could buy out my dishwasher for {$180.00}. more. So basically I have paid them for 2 dishwashers ... DO NOT USE WhynotLease

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was told by the counter teller that I should get a secured credit card through their bank ; Bank of America. The teller told me it was a XXXX Refundable deposit and after making a years worth of on time payments I would receive an unsecured credit card with a XXXX limit. I never received my deposit back or an unsecured credit card. I have made all payments on time and have never been late in over a year. When I asked about why I was told it was at their discretion ( Bank of America ) whom receives a refund of their deposit and an unsecured credit card. I was lied to.

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 2021-04-09
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have repeatedly called the servicer to make a payment or make payment arrangements. 
Selene Finance. 
Typical call Please hold, representative not available please schedule call back in two minutes never get a call back. 
Promised to call XX/XX/XXXX for payment they never called. 
Get random calls from agent completely clueless as to any previous conversation. 
offer to have someone call and discuss options. never got a call back. 
sent paperwork in 2020 Tax return missing sent all other paperwork. 
their denial say 's nothing received. 
agent made work out plan. Plan denied by higher ups. 
loan {$95000.00} equity {$150000.00} Plus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, 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:
I sent by certified mail 4 disputes and an email to it's CEO XXXX XXXX requesting Equifax to validate adverse accounts they're reporting on my credit report and provide me with the original signed contract with my signature to verify the debt is mine and that it is correct. They have continued to verify this invalidated debt and they have failed to shpw me any proof. If their NEGLIGENT NONCOMPLIANCE continues after this 4th dispute, I will litigate and make them pay me for every unverified adverse account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Merchants and Medical Credit Corporation, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to the hospital back in 2018 and I paid with my medical insurance that was supposed to cover any payments, months later I received a letter stating I was owing money to the hospital so I went to the hospital and they said I was not owing anything due the insurance paid it off so now I checked XXXX XXXX and I saw this account saying I owed almost 300 bucks out of nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Auto Lease with XXXX shows on my Equifax credit report. This is incorrect. I do not have a lease with XXXX. I am uploading details of lease on shown on my credit report.

Company response to consumer: Closed with explanation