BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan to purchase a phone. I never got the merchandise and I advised Acima of the situation, the store is no longer in business and I am still being charged. 

I filed a police report and here is the number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing this letter in an effort to remove inaccurate unverified account information on my credit report. I have contacted TransUnion XXXX. XXXX XXXX PA, XXXX with a Proof Of Verification Letter on XX/XX/2019 Via certified mail to solve the issue of either verifying the accounts or removing the inaccurate items on my credit report and they fail to do so according to the FAIR CREDIT REPORTING ACT 1681, and the FCRA 15 U.S.C 1681. Also please be aware that I am keeping records of each date that I have contacted your company and Im prepared to use this information in case i have to take further legal actions.

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 2019-10-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: SUNTRUST BANKS, INC.
State: AR
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:
XXXX, XXXX, SUNTRUST PULLED W/O SIGNATURES.

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 2017-09-22
Company: C & E Financial Group, Inc.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is about an advertisement that a client of mine received from C & E Financial Group Inc. They are quoting him a VA IRRRL for a 30 year fixed rate with a rate of 2.75 % and an APR of 3.09 %. Anyone in the mortgage business knows this is a classic bait and switch tactic. There have been no institutions offering an APR this low for years on a VA IRRRL. To a lesser degree, they are also waiving his escrow refund as a benefit back to him when they are going to increase his loan amount to cover a new escrow account. They are showing an estimated escrow refund of {$2600.00}. The annual taxes are under {$1300.00} per year and the insurance is less than {$600.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My installment account with XXXX XXXX XXXX XXXX ( XXXX ) for {$50000.00} that was opened on XX/XX/2019 is reported in the condition as derogatory by Transunion and XXXX XXXX reporting agency. Also in the comment section, the loan is reported as dismissed. When in fact this loan has been refinanced and " paid in full '' or paid as agreed. I contacted the lender and I have attached a letter from XXXX stating the loan is not being reported as derogatory.

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 2019-06-02
Company: CITIBANK, N.A.
State: AR
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:
CBNA, XXXX, XXXX PULLED W/O SIGNATURES.

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 2019-06-02
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
XXXX XXXX XXXX XXXX, SANTANDER, XXXX XXXX  PULLED HARD INQUIRIES ON ALL REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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 2019-09-06
Company: WELLS FARGO & COMPANY
State: TX
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 get a settlement with " well fargo credit card '' To pay {$320.00} the debt i owed to the bank and they are charging me a lot of money for all they fees and that staff. They want to charge me {$800.00} for fees. I also received a letter from the bank saying that They " will stop futher efforts to collect the remaining balance '' and they still calling me to see if i can make the full payment, and still affecting my credit report.

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 2023-02-16
Company: TrueAccord Corp.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email from Trueaccord about a debt that I never owned. I called them to dispute the information and they asked me for my last 4 digit SSN saying that they need that information to access the account. I made a mistake and gave them the information. In the end, I was told that the debt was not mine and it was an error. However, I did give away my last 4 SSN. What should I do now?

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 2019-06-02
Company: SUNTRUST BANKS, INC.
State: AR
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:
XXXX FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.

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 2018-02-12
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: Account information incorrect

Complaint:
Ive tried muptiple times disputing inaccurate and unverifiable accounts that Equifax continue to allow on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and or reported on my credit report.Any They have not verified the data that a company reports on a comsumer credit file which Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: LEXISNEXIS
State: MO
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:
My insurance premiums kept going up though I had no tickets or accidents. This last time I just couldn't take it no more when they up and took it out of my account at almost double my premium I called they said that I had a ticket and no I haven't. Argued with them for a minute then they told me to get my record. Gave me the number to the reporting agency and I requested a copy. They sent me a copy and then I see several tickets and accidents I never have as well as the lady 's information that had this stuff. Different date of birth differant ssn different address well different everything even name. This is so unfair on credit reports and now I've been forced to pay higher insurance because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2017-09-22
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This law office revealed to me that a named third party has a debt in collection. This may be an attempt to harass me because I filed a CFPB complaint against another debt collector a few days prior. 

On XX/XX/XXXX, I got a message on my answering machine from a representative of the Brett M. Borland, P.C. law office about a debt. Today, on XX/XX/XXXX, I called that representative, and she confirmed via transparently evasive language, that someone else has a debt in collection. 

The timing seems suspicious to me, because a company called XXXX, in response to my complaint # XXXX against them, stated on XX/XX/XXXX. that my " telephone number has been removed from our system. Additionally, we have placed the telephone number on our internal Do-Not-Call directory ''. Note, their language does not exclude passing my number on to a third party. Two days later, I get a call from a law office, looking for the same person to collect a debt. 

It seems reasonable that XXXX passed the collection file to a law office as a means of harassing me in retaliation for filing the complaint. The Borland law office representative told me specifically that they are not associated with XXXX in any way. She also had no interest in finding out her firm had possibly been used as a harassment tool, and hung up on me when I tried to enlighten her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-06-02
Company: Ingo Money, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Ingo check cashing banned me for no valid reason whatsoever.. I believe they are a scam and try to harvest consumers information as I don't know Anyone who has successfully cashed a check with Ingo.. After the banned me I contacted the company several times to get an answer as to why I was banned to no avail usually without any response ... They don't live up to what services they are supposed to be offering ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: CORELOGIC INC
State: AR
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:
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

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 2019-06-02
Company: Colony Brands, Inc.
State: AR
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:
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
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 submitted identity theft affidavits to all 3 credit bureaus due to fraud activity on some accounts that landed on my credit reports. the FCRA & 605B ( 15 U.S.C. & 1681c-2 ) specifies and I quote " ( a ) Block. Except otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of such agency of- 1. appropriate proof of the identity of the consumer ( which I provided ) 2. a copy of an identity theft report ( which I provided ) 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. ( which I also provided ) YET the following account : XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$5000.00} remains on my credit file and was never blocked and or removed ... ..this account is ruining my financial life as I attempt to put it back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an issue with Midland Credit Reporting for two different accounts. One is for what was a XXXX XXXX Account and the other a XXXX XXXX Account. I have tried repeatedly to get someone to explain this debt to me and show proof of it. I have proof that they did not validate debt in a timely manner. They wont answer any questions. I have requested they include the original contract and they refuse to do so. I want proof of all charges, fees owed, and contract. They refuse to do so! I have asked they provide what the money they say I owe is FOR, how they CALCULATED what they say I owe, copies of papers showing I agreed to what they say I owe, copy of a contract, proof they are licensed to collect in my state, and they havent provided any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Colony Brands, Inc.
State: AR
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:
XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, XXXX removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX and Experian has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.

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 2019-06-02
Company: ALLY FINANCIAL INC.
State: AR
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:
XXXX  IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.

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 2019-06-02
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: Account information incorrect

Complaint:
XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

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 2019-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital Ome Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe capital one {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.

Company response to consumer: Closed with explanation