BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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 a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Uplift, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company said l signed up for travel account for a cruise. I told them l didn't do it and they shouldn't have been selling it because covid was in affect and cruises were not even sailing out. At that time they weren't even allowing people to travel. I also filed a report with the police because there was a lot of fraudulent activity happening with my credit report, bank accounts, mail and so forth. On all my credit report l have them locked that no one should be assessing any inquiries. But they're still able to. And my credit score has dropped. The name of the company is uplift. And XXXX also has me as delinquent and l went to there store to buy something. I gave the clerk my debt card to pay for the items and she goes and signs me up for a XXXX XXXX credit card. It was around XXXX and so the credit card came to my address in XXXX. When l got the card l was furious l went right to XXXX XXXX paid it off and closed the account immediately. I have called the store several times and told them to get it off my credit report. I never asked for a credit card. I don't even like XXXX XXXX store. And l don't shop there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: YKS Acceptance, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I contacted Herbies Auto Sales ( XXXX XXXX XXXX XXXX ) about this consumer action ( XXXX XXXX XXXX ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release for my car purchased in XX/XX/XXXX. <P/>I was told today when I talked to YKS management that my account was " credited '' the amount of {$470.00} last XX/XX/XXXX. The problem with this resolution is 1 ) I never received any information from YKS in writing indicating this credit was applied to my account at any point prior to my loan being satisfied or after. 2 ) the manager also asserted this {$470.00} credit satisfied the terms of the CFPB settlement agreement despite what the actual consent order says that the actual refund should be for {$1600.00}. <P/>Nothing on any of my bills received from YKS indicated any kind of credit lowering the total balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CBC Companies, Inc.
State: NH
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:
Over the last couple weeks Credit cards have been tried to be opened using my information. One with XXXX One with XXXX XXXX and one with XXXX. 

When I get the call they have all my information correct except for my email typically. 

the Problem is my credit score is dropping due to the credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in school XX/XX/XXXX for 2-3months. I withdrew XX/XX/XXXX due to lifes inconvenience. Never received any disbursements from the 2 loans that appears to be on my 1st enrollment of school. I started back in XX/XX/XXXX. Through the 2yr time  period. Sallie Mae/ Navient has made numerous bad credit reports such as delinquent against my credit. Ive always had to lean towards forbearance there was no other option. My interest rate continued to go up ridiculously. I was also told when in forbearance no bad credit reports would be made against my credit. When I went back to finish school XX/XX/XXXX. Had more loans during my 2nd enrollment. Finished XX/XX/XXXX. Couldnt find a job right away. Sallie Mae/Navient continued to perform harassment. Contacting & sending my billing information to friends and family for me to pay. An unprofessional act & complete embarrassment to me. I was in forbearance again as my interest rate continued to go up again & again. Now Im dealing with paying them an awful amount of money that has been adding on my loan account. Due to forbearance, interest rates continued to climb up every time. I feel as though I am a victim of the scam & allegations Navient is being sued upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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: Was not notified of investigation status or results

Complaint:
I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being tha they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are rquired to " promptly delete all information which can not be verified '' that I have disputed. Please resolve the manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS
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 informed   XXXX   XXXX   XXXX   XXXX   of debt they tried to collect on behalf of core first bank and trust. for {$830.00} in  XXXX . That debt was the result of fraud and I had notified the bank and the credit bureau. I disputed the debt on my credit report and the bank agreed the debt was fraud and had it removed from my credit report. Now for whatever reason that debt was sent t o Hollins H Kent. I imformed the m that the debt was takin care of and removed from my credit report. They told me that they didnt care and that I owed  XXXX   XXXX  kent now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX Account # XXXX XXXX - 60 day late - delete XXXX - 60 day late - delete XXXX  XXXX Account # XXXX XXXX - 30 day late delete XXXX - 60 day late -delete XXXX XXXX Account # XXXX XXXX XXXX - 30 day late delete XXXX - 30 day late - delete

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 2019-07-11
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. 

I immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: JH Portfolio Debt Equities, LLC
State: NJ
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 disputed a fraudulent charge on my account in the amount {$2200.00} I am a victim of identity theft and I did not make or authorized this charges I have 7 years freeze on my credit report since 2016 but still JH portfolio Debt equities LLC Account XXXX still send me a letter for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: LA
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:
This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Information belongs to someone else

Complaint:
Inaccurate information is placed on my credit reports. I have written in to these companies to fix the matter and it has not been done. Most of the information on my credit reports are inaccurate. The proof I have is directly from their reporting.

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 2017-10-01
Company: Experian Information Solutions Inc.
State: VA
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:
Asked both XXXX XXXX and Experian to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

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 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Asked both transunion XXXX and XXXX to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I just want to start out by saying that Im a XXXX  woman. In XXXX at XXXX  years of age I bought my first brand new car. I took a really high interest auto loan through the dealership - 17 %. They assured me if I paid on time for even just 6 months I could start the refinancing process and pay much less monthly. I struggled a lot keeping that car, it was actually repossessed ( temporarily ). I called a credit union and had my loan refinanced in one day - my monthly payment dropped over a hundred dollars. Fast forward to XXXX when my XXXX XXXX  fianc and I bought our first vehicle together. Our credit was not in good shape and there was a lot I didnt know about back then such as disputes. Capital One offered us a 19.04 % interest rate auto loan. We have been paying on it monthly since XXXX of XXXX and its XXXX near impossible to refinance, that exceptional payment history doesnt mean anything apparently for him. Its so disheartening because I told him how easy it was for me to refinance and I think he didnt believe me at first. Its wrong to take advantage of people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Sunbit, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$22.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX {$1000.00} balance Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX {$2500.00} limit {$2400.00} balance Opened XXXX XXXX Sunbit, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$2000.00} limit {$0.00} balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Balance {$220.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed And then a ton of Hard inquiries are also not from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Discover Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, 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:
I have been getting the run around from Equifax regarding inquiries. Equifax has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done. I called their customer service number close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Equifax a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX/XXXX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make nor did I authorize any of these changes. I demand that the items be deleted as soon as possible, to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' )

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