BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: American Finance LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. 

I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: EdFinancial Services
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with ED FINANCIALXXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and ED FINANCIALXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My wife was laid off recently so weve been running about 27-29 days late on making our mortgage payment. On XX/XX/XXXX and the XXXX I tried making my mortgage payment on the companys web site and I was given a message that stated that the site was down for payment processing and the payment could not be placed at this time. I tried to call and no one was available. I went online to make the payment on the first and I could not as the same message was posted. I also called to no avail. On XX/XX/2019 I am as finally able to make a payment but at that time they said they couldnt take one payment and I had to make two payments at once. XXXX and XXXX. My complaint is that they shut down the site and I was not allowed to make a payment before I was 39 days late and now it has effected my credit report. The customer service manager stated that they do this every month so its perfevtky legal with the CFPB. This is not true as you can not deny a payment within the 30 day late time limit and then report someone late because the site is down. He also stated that the payment would have been late anyway. Because the payment would have not posted until the next day which is also incorrect because the payment is paid when authorization is given, and not when it posts. I want the over thirty day late payment taken off my credit report and the payment system also needs to be fixed so that if someone needs to make their payment two hours before the deadline, they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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:
Yet another fraudulent posting on my report, this time from XXXX XXXX, this is fraud I did not apply for any service from XXXX XXXX, this is on my report as an Hard Inquiry. Im getting tired Equifax of you not doing your job to check this out so, Im letting the attorney general know both in my state and yours. Also, im letting the FTC see this as well, I will also be approaching my senators in Texas and I can assure you I will get results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: AL
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:
There are three hard inquiries on my bureau where I did not apply or give permission for anyone to apply for a loan in my name with XXXX XXXX, XXXX XXXX and XXXX XXXX that same day of XX/XX/2017. I have contacted XXXX as they are local and they did not have any documentation on me whether ink signed or Esigned. where I asked for credit. I have requested these three hard inquiries be removed several times from Equifax and nothing has happened. Please help me with this. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Good morning, I took out a pay day loan with a company called Bright Lending out of Montana which isXX/XX/XXXX owned for {$500.00} but with all the interest it climbed to {$1800.00}. When I took this loan out I was financially stable but that quickly turned around and I had to ask for a hardship settlement. When I contacted there company with my circumstances they turned me over to a collection company who did allow me to set up a payment plan with me only owing {$910.00}. Today I called the collection company XXXX XXXX to find out why they didn't take my payment and I was told to contact Bright Lending that they no longer was handling my account. I don't understand how you can set up a payment plan with me then not honor it. I feel like I was scammed but then again not because they did lend me {$500.00}. Please advise what I need to do in this situation. 
Thank you XXXX XXXX XX/XX/XXXX # XXXX Bright Lending- XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: eMoneyUSA Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass 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 2020-10-11
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 is missing that should be on the report

Complaint:
Equifax has failed to correctly report my revolving accounts for almost a year. 

Equifax is NOT reporting my revolving account also known as credit card accounts. Those accounts are as follows : XXXX XXXX XXXX ending in : XXXXXXXX XXXX XXXX XXXXXXXX ending in : XXXX XXXX XXXXXXXX has written a letter to Equifax directing them to report these XXXX active credit card revolving accounts on my credit profile. Attached is a letter. 

I have filed 4 complaints with CFPB regarding Equifax to correct this error and they have yet to do anything to fix their error. 

With the advice of my attorney, I am filing one last complaint before filing a lawsuit against the Equifax corporation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: LEXISNEXIS
State: OH
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 keep my financial situations very small so I can spot fraudulent account very quickly I found a fraudulent account from XXXX XXXX XXXX SIMPLE # XXXX reporting on my credit. I have never rented anything from this company in my life. I am also have problems with my name being misspelled the correct spelling is XXXX XXXX please delete any other spelling of my name it is not correct. there are address that are not my showing on my credit report as well. Please delete the following addresses : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX # XXXX, XXXX OH XXXX. I believe these addresses may have been used to compromise my personal financial information and SS DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.

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 explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, INC.
State: CO
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 BEEN DEALING WITH EQUIFAX FOR YEARS. REPORTING IN ACCURATE INFORMATION ON ME. MY CREDIT REPORT I LEARNED HAS MIXED FILES AND I HAVE A SPLIT FILE. I HAD A IDENITY THEFT SITUATION WHICH XXXX  AND XXXX   WAS ABLE TO FIX IN A TIMELY MANNER. NOW FOR INSTANCE THERE IS A AUTO LOAN AND COLLECTION RECENTLY APPEARED ON MY EQUIFAX REPORT AND THE LADY IN THE OFFICE OF CONSUMERS AFFAIRS TOLD ME THAT THE AUTO LOAN ALLY FINANCIAL DISPUTE CAME BACK LAST MONTH IN XX/XX/2018 AND THAT CONFIRMATION CONFIRMED THAT IT WAS SUPPOSED TO BE DELETED AND STATED THAT SHE WAS SENDED IT TO MAINTENCE TO HAVE IT REMOVED WITH THE OTHER LISTED ACCOUNTS I HAD PREVIOUSLY DISPUTED. I HAVE BEEN DISPUTING ITEMS THAT HAS BEEN APPEARING ON MY CREDIT REPORT NOW FOR A YEAR DUE TO EITHER IDENITY THEFT OR MIXED FILES AND SEEMS LIKE IM GETTING NO WHERE. I KNOW THERE IS A MIXED FILES WHEN MY EMPLOYER INFORMATION KEEPS DISAPEARING OFF MY CREDIT REPORT AND STUDENT LOANS ETC. ALSO ONE REPORT SHOWS I HAVE 4 INQUIRES THEN THE NEXT IT IS SHOWING I HAVE 20, WHEN I CALL AND INQUIRE ABOUT THIS THEY CLAIM THE ONLY SEE 1 OR 2. SO ITS NEVER CONSISTENTLY AND I BEEN CALLING ALMOST ON A DAILY BASIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Ascendium Education Group
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The account numbers that they are reporting is " XXXX '' and " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 52 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Williams, Rush & Associates, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
WIlliam & Rush associate is a collection agency said i own them over {$6000.00} this wasn't on Credit account they are placing incorrect balance on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: TX
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:
This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX all white from XXXX dealership located on route XXXX in XXXX New Jersey at the time I was driving over the road because my occupation is XXXX XXXX I seen the car advertisement on XXXX XXXX And the price of the car was {$7000.00} and some change. However, I was told when I called to acquire about the car that they had to do a credit check and when the dealership ran my credit & they said I was good so I only had to put down {$1500.00} to take the car off the lot. Due to the lack of knowledge & the dealership did not fully explain the loan process they tricked me into a loan Process that turnt out to be 3 times more than what the car was worth & the car was a lemon. The Service Department reset the computer on the car to hide the check engine light so I wont see that it was a defect on the car and the radio did not work. three weeks later the engine light came on I reported to the dealership they forward me to the service department they gave me the runaround claim they couldnt get the piece which was the Crank sensor. Then when I go into the service department one of the employees claimed I have no warranty when the dealership told me I had a warranty and then I reported to Credit Acceptance about the extra fee the dealership tried to charge me & the defects on the car and Credit Acceptance did nothing about it. I feel as though Ive been taken advantage of and due to this car loan on my credit report Im not able to get credit cards, Im not able to start my trucking company because the dealership sold me a lemon and they did not fully educate me on the loan process because I would of never bought a XXXX car thats three times more than what its worth it makes no sense. I XXXX XXXX XXXX already paid that car off and I feel as thought I been Robb both ways Pocket and credit wise because I have to pay for them selling me a lemon tricking me into a loan. Before I started this Complaint I called Credit Acceptance to gather information before submitting and one of the employees did not want to give me to Abstract for the complainants she claimed the supervisor is not available, however one of the employees claim because the complaint its wasnt mailed in and it was over the phone its not valid when every phone call suppose to be recorded for insurance purposes & one of the employees took my complaint down over the phone when I filed it because the investigation department contacted me back and also they was no help at the time I was driving state to state I have proof of my occupation at the time of this purchase so they knew my profession was 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 2020-06-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( XXXX, Experian, XXXX ). Please note that these loans was consolidated into one loan with FedLoan Servicing, under account number 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 2019-01-23
Company: EQUIFAX, 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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA pursuant to section 605B and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
My Child support account was paid in full in XX/XX/XXXX and closed. 
I paid 100 percent of the payments on time. 
There is no data on my report from XX/XX/XXXX-XX/XX/XXXX. 
This account has been paid in full and closed for that period of time. 
In XX/XX/XXXX a monthly report showed a collection account or charge off. 
I believe in XXXX after my account was closed somehow I got dinged for missing a payment Experian has proof from XX/XX/XXXX child support I sent to them to prove everything I said. 
Experian told me XXXX refuses to correct the issue on my account 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 2018-02-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of Identity Theft. Recently, some company deposited 2 wire transfer checks into my checking account. I did not authorize or know anything about them. My financial institution closed my accounts and refused to let me open new accounts. This happened on or around XX/XX/2018. I do not know the exact amounts of the wire transfers. Perhaps around {$900.00} or so each time. I called my local police and spoke with an officer, explained I was a victim of Identity Theft. I have a Police report. My direct deposits to these accounts were denied as the bank closed my accounts and denied me new ones. This was no fault of mine! I was treated like the criminal by the Bank, instead of the other way around. Especially by the Personal Banker at my branch. 
I have been an Identity Theft victim for over 1 year. I am losing everything I own and my credit is atrocious because of this. No one will help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not familiar with that debt at all and I told them that. They still saying i did it but I have no idea where the debt came from and the was not able to tell exactly where it came from.

Company response to consumer: Closed with explanation