BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pendrick capital llc has been harassing me since last year during the winter time. Ive called them in XXXX of this year along with the collection agencies they hire to collect the money owed. And they gave me different amounts owed to different companies, they have threatened me to get penalized by the courts ; they have contacted friends, they continue to harass me through calls letters and adding new collection agencies to my account. Lack of response to debt verification and inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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:
I charge XXXX on my XXXX XXXX XXXX  every month an pay the balance in full as soon as posted.that meansat least 2 weeks before due date.enery month XXXX and transunion pick up the charge and drop my fios score XXXX points, 2 weeks before due.then whenever they are ready they correct my score, HOW DO I MAKE THEM STOP or file a legal complaint.

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 2021-04-13
Company: V and H Portfolio
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection from Vance Huffman was place on my Credit Report. The original creditor says, XXXX XXXX XXXX XXXX XXXX. I have never heard of this company, they appear to have something to do with phones. I have had the same phone through XXXX for years and have never used anyone else since at least 2017, prior to that I was living overseas. This is clearly a scam, I have tried to dispute this ; however, my calls are ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This XXXX XXXX has called me at least twice - the last time at XXXX XXXX. on XX/XX/2018 and leaves a message that says " get a paper and pen to write down this code ''. And then repeats it several times. Today, XX/XX/XXXX, I called the XXXX and asked about their calls. I told them that I don't have a XX/XX/XXXX and they asked if I had a XXXX XXXX, XXXX XXXX or XXXX card. I told him that i have a XXXX card and he assured me that was why they were calling. He wanted the credit card number and when I won't give it to him, he asked for my social security number and I also WOULD NOT give it to him and hung up. I then called XXXX with the number on the back of my XXXX card, and they said that they would make a note of my call and they were glad that I didn't give them any information. I assume that it was a scam.

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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations was sent to XXXX  XXXX and all the credit company please have them correct the violation and stop calling asking for a debt I do not owe

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX  XXXX {$0.00}

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 2020-04-29
Company: Experian Information Solutions Inc.
State: NY
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 contacted XXXX XXXX to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted XXXX  and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX to request removal of the additional inquiries from my credit file.

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 2018-11-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this issue with Equifax 3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with Equifax only. 
see attached document. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EOS Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute to EOS CCA also known as Collecto Inc., on X/X/17 regarding an unverified debt not owed. They are claiming account number XXXX for {$190.00} is valid. The debt is invalid and EOS CCA is not licensed or bonded to collect in the State of Wisconsin. I demand that they cease and desist all collection activities for the referenced account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Made complaint about Professional Placement that they were reporting inaccurate information that is negatively impacting my credit score. They admitted they did not possess the documentation to validate the debt and admitted they are knowingly reporting an inaccurate account opening date. They are still reporting the information to the credit bureaus despite knowing that the information can not be validated upon request. PLEASE SEE ATTACHED LETTER

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
A credit inquiry showed up on my credit report from XXXX. I did not authorized this and would like this removed from my report. I am not able to in contact with company due to corona virus, but would like to get this resolved as I hope it does not involve identity theft.

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 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my 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 explanation
Consumer complaint received 2018-11-15
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:
Re : Experian Dear Experian, There are incorrect addresses in my credit file that am not associated with and are the results of crime ( s ) that were committed against me. I am a victim of identity-theft. Needless to say, you were sent copies of an FTC Identity Theft Report and sworn Identity-Theft Affidavit. Please deleted the following addresses from my file. These address are related to identity-theft criminal activity. My only and correct address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. Having these addresses listed make it difficult of creditors to properly identify who I am. You are also in violation of THE FAIR CREDIT REPORTING ACT for reporting inaccurate information. Failure to comply shall lead to legal actions for being in violation and defamation of character. Whereas, knowingly having my name associated with addresses of debts that resulted from crime ( s ) 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: Lending Club Corp
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have had this loan for over five ( 5 ) years and have consistently made my payment of {$690.00} on time. Due to COVID 19 i was laid off from my jod since XXXX and have not received any unemployment insurance payments though i applied. The Lending clum put me on a payment plan where i was paying {$130.00} each month. i have been paying it. The XXXX payment they said was made one ( 1 ) day over the grace period hence i miust pay the full payment. I can not make the full payment and i told them that. I asked for a supervisor and was told one would call and no one has called except customer service asking for money and threatening to report negative to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX of XXXX, Massachusetts Educational Financial Authority & XXXX XXXX XXXX XXXX ( MEFA/XXXX ) sold my accounts to XXXX ( XXXX XXXX XXXX ) without any notification of the change. My credit report reflects payments were made and completely up-to-date up to XXXX of XXXX. I found out that my loans had been sold when my payments were not being processed as they had in the past. I contacted MEFA no one could provide me with any information about my accounts other than they had been sold. When I contacted XXXX, no one could find my information or how to pay. During this time, I did not make monthly payments due the lack of clarity and the potential of the {$350.00} payments to be lost in a paperwork shuffle or having to pay both MEFA and XXXX until they straightened out their act. I was also told by MEFA during this period ( XXXX, XXXX & XXXX ) any non-payment would not be reported to the credit bureau as XXXX did not receive approval to send refinancing papers to clients. This whole situation was very concerning, and I made several attempts between XXXX and XXXX to find out where my payment should go, however neither MEFA or XXXX could clearly get this addressed. 

XX/XX/2018 : Noted that our MEFA payment was not processed as it normally had. Contacted MEFA Customer Service - Told that they were having processing issues to call back the following week. 
XX/XX/2018 : Contacted MEFA again - no answers as to why our payment had not been processed. Reassured that there would be no reporting of non-payment for XXXX, XXXX & XXXX as XXXX didn't receive approval to send out refinancing paperwork to clients. 
XX/XX/2018 : MEFA again - " Information should be sent out to borrowers within the next few weeks '' XX/XX/2018 : MEFA again - " no approval as of yet for XXXX, call back in another week. 

Based on the facts : 1 ) Loan was transitioned to a new company without my knowledge 2 ) For 3 months, neither MEFA or XXXX could provide any information regarding my loan or who I should pay, or where to submit payment! 
3 ) MEFA on multiple occasions told me that non-payment would not be reported to the credit bureaus due to their handling of the situation. 
4 ) I am currently up to date on payments and caught up on the 3 missing months!

5 ) I have XXXX children in college this fall with 1 more to go and I need to borrow to help them pay for tuition. This situation should not affect the interest rates I receive, or limit my ability to help my children financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Quality Asset Recovery LLC
State: SC
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 a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-06-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I called Franklin American Mortgage company to understand the removal process of PMI. The representative requested my pay {$2100.00} under principal to reach 20 % of my loan amount. I paid and requested amount to remove my PMI. The lender provided me a mail id and asked me to send a mail ( no procedures given ). I spoke to customer care couple of time and chat with them on XX/XX/XXXX. There is no proper response from the lender/CC to remove the PMI. I sent multiple mails to XXXX. No response. There is no direct number to discuss on this regards. For the past 3 months I have been paying my PMI even after reaching 20 %. Lender says it will take 2 monthly to get reply for the mail. The ticket I opened with the lender got closed. Federal should take corrective action to save barrower from this kind of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2019 : My family and I leased the car for {$250.00} per month, which was due on the XXXX of every next occurring month. 

Around End of XX/XX/2019 : Toyota Financial Services ( TFS ) called us and said that they didn't receive the payment although the bank statement proves otherwise, showing that it was deducted. 

XX/XX/2019 : The monthly payment was refunded. This is an important detail, although seeming minor. 

XXXX, XXXX, XX/XX/2019 : They took the monthly lease for the car successfully. 

XX/XX/2019 at XXXX XXXX : They towed the car away and said that we didn't pay them for three months of the lease. 

XX/XX/2019 : We payed {$1200.00} through the phone using a debit card. For the tow services we payed {$130.00} cash. 

In summary, the company relentlessly refused to acknowledge that we payed for the car despite sending our bank statements to TFS which was enough proof. They refunded the XXXX payment on purpose so they have a reason to tow the car, as their policy states that our car can not be towed if we payed for three months consecutively.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Time payment account XXXX shows high credit of XXXX on XXXX  and XXXX on equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax  and payment history as ok on XX/XX/XXXX yet XXXX  shows 150 days late, delete this account for inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX  and XXXXon equifax, date last active as XX/XX/XXXX on XXXX  and XX/XX/XXXX on equifax,XXXX shows ok on equifax and XXXX XXXX the next month!!! Delete because inaccurate. Time payment account XXXX shows high credit of XXXX on XXXX and XXXX on equifax, date last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on equifax, XX/XX/XXXX shows ok and 120 days late the next month!!! Delete because inaccurate!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation