BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
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:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: ENOVA INTERNATIONAL, INC.
State: AZ
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:
The XXXX XXXX and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the XXXX XXXX is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Southwest Credit Systems, L.P.
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:
I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document and temporarily removed the item. Then added it back with no explanation nor proof that the debt is valid to myself. It is an unknown account with southwest credit system XXXX XXXX XXXX # XXXX XXXX, XXXX for {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On Monday, XX/XX/2020 I spoke with XXXX in regards to paying off my truck loan in for two years early and stopping the automatic payment authorization. I was told by XXXX that he was going to expedite that request so the payment was not removed from my account And for me to go ahead and wait until Friday the XXXX to pay my vehicle info. On Friday, XX/XX/2020 I called in and spoke with XXXX who told me that I could only make a {$9900.00} payment at one time or I would have to wire the funds to them. I asked to speak to a supervisor at that time because my payment for the total amount on the loan was {$12000.00}. I was then transferred to XXXX XXXX at extension XXXX who told me that my payment could be made via the app that I have and that XXXX did indeed expedite my stop automatic payments and my automatic payment would not be taken out from my account. I submitted the payment in full via their app automatic deduction from my Chase bank account to pay off my Chase auto finance loan and it showed that it was automatically taken out. Saturday, XX/XX/2020 I checked the bank account and noticed that the automatic payment of my monthly payment for the vehicle was indeed deducted as well after the loan was paid in full. This transaction was not authorized. Monday, XX/XX/2020 I called and spoke with XXXX regarding the automatic payment and she told me that yes it was taken out and I would receive a check for the overpayment I asked to speak to a supervisor after waiting on hold I was told none was available and I would get a call back within 24 to 48 hours I was not given a date of my payment returned I was not giving a tracking number for my expedited title I was not given any information of which I was told I have over paid on my loan I have no assurance that there will not be any future deductions from my account that is unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NC
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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX denied credit to me on XX/XX/2020 with explanations that not evident on my Experian credit report which they sighted as reporting the information. I have tried to contact XXXX and Experian with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?

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 2022-12-05
Company: Genesis FS Card Services, Inc.
State: VA
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 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A XXXX XXXX illegally carried over an old debt from a utility bill that they never filed in court under the 3 years of statute of limitations that ended in XXXX. Nor did they report credit agencies. Within the 5 to 7 years. They waited after statute of limitations expired to charge off the debt to XXXX XXXX in XXXX to restart the credit reporting for an additional 7 years illegally. Secondly the amount is incorrect the original Amount from account # ( XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. is {$2800.00} but the added the same account XXXX XXXX number with a higher amount {$4900.00}. At a new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They illegally carrying over old balances to new balances and extending the statute of limitations. With a higher late feels and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is harassing me about a debt that I dont not owe and Ive never did business with LVNV FUNDING so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts that violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proff of a contract that I have with them along with proof of who the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
An individual left me a message stating I have a civil matter that required immediate attention. I returned the call and was connected with a gentleman a XXXXXXXX XXXX XXXX claiming that this is a law group that has petitioned the court to garnish 30 % of my wages for an {$880.00} that was sold to XXXX XXXX by Capital One in 2008. This gentleman says from that {$880.00} balance and court cost, I now owe {$6600.00}. I explained to him that I was not aware of any judgment and had not received any communication via mail. It really concerned me because I cant afford to have 30 % of my wages garnished so I asked if we could work something out. I researched the company and him some questions about the company. He claimed to be the paralegal at this law firm XXXX XXXX XXXX His aggressive tone and the fact that I didnt want my wages garnished, I agreed to a payment plan because I felt pressured to do so. I submitted a {$50.00} payment via debt card over the phone and was sent a XXXX that stated my next payment would be for the full amount agreed to {$1800.00} this is the amount he said I owe before they petitioned the court. The XXXX was also authorizing a law firm in Florida XXXX XXXX  to collect payment. When I got off work I began to look into the statue of limitation and the XXXX  to get more information on this company. They have called and text me today from random unknown numbers because I canceled my card as to not allow them to collect funds. This debt is nearly 15 years old. I believe this is a scam. This XXXXXXXX XXXX XXXX is not willing to send me anything in the mail showing that legal action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing has misapplied my mortgage payment from XXXX, XXXX kept in unapplied funds to pay principal instead of my mortgage payment. 

Prior to a period of forbearance there was a partial mortgage payment of XXXX paid from my account on XX/XX/XXXX. This payment was put in unapplied funds and kept there until mortgage modification where this company then applied to principal instead of current mortgage payment. 

SLS claims this payment was part of the modification agreement, however I NEVER agreed to use my mortgage payment held in unapplied funds to pay principal.

In fact, I made it clear to the company that this payment was to go toward my mortgage after modification.

SLS has a history of misapplying my mortgage payments and then telling me I am wrong or did not make the payment. 

This company has participated in XXXX intimidation with a representative calling me a " XXXX XXXX XXXX '', ( which I filmed ) a consistent misapplication of funds and an attempt to short sale my house all the while I have paid my account on time. 

Please do not let this company steal my hard earned mortgage payments! It is against RESPA to apply mortgage payments to anything else BUT THE MORTGAGE. 

This company continues to take advantage of me as a XXXX, XXXX, veteran and XXXX. 
They must be stopped and held accountable for this practice of stealing homeowners money by subverting to unapplied funds. 

1 - See attached the bank statement from XXXX XXXX showing the partial payment. 
2 - See attached screenshot from SLS showing the payment applied to principal labeled " current interest and principal payment '' 3 - SLS response to CFPB with highlighted texts, admitting they misapplied mortgage payments from XXXX and reapplied to account with XXXX, XXXX adjustment demonstrating evidence of XXXX, XXXX partial mortgage payment.

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 2017-12-13
Company: SUNTRUST BANKS, 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:
On XX/XX/XXXX XXXX XXXX XXXX, Suntrust XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello so i went to open a account at Chase Bank on XX/XX/2001 and presentenced all required documents then was asked for my social security and told XXXX XXXX that i didn't have one and that it was not needed to open bank account so he went to confirm with manger XXXX XXXX about it and they both returned to say that they will not open bank account because my social security was not given

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: OR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Global Lending Services LLC
State: TN
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:
Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting 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 have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX. 
I have a hard inquiry dated for XX/XX/2023 from XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, AND SANTANDER CONSUMER USA. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TN
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:
Unauthorized Inquires are on my credit report as of XX/XX/2019. 
These inquires have dropped my credit score by 100 points.

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 2017-12-13
Company: Experian Information Solutions Inc.
State: CT
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 information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

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 2023-05-27
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: Account status incorrect

Complaint:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

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 2021-09-13
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXXm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX not conducting timely investigation.

Company response to consumer: Closed with explanation