BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: OH
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 disputed a bankruptcy to be removed from my credit report because its been over 7 years. Experian investigated for accuracy which is not the problem. I know that its accurate because I filed. I disputed the bankruptcy because I have fulfilled the time requirement for it to stay on my credit report and would like it deleted.

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 2022-10-07
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out the loan for {$10000.00} in XX/XX/2022 with an APR of 27.67 %. I suffered a significant loss in income and worked out a 3 month hardship with them. But they are unwilling to do more. I am not able to repay on their terms. 

It appears they are exceeding usury and this is predatory and abusive lending. All I want is reasonable terms to repay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Integrity Asset Partners, Ltd.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Navy Federal Credit Union made a mistake on my new credit card. They mistakenly charged a finance fee on my new credit card account which put me over the credit limit by a few dollars. They did not inform me of the fee while the transfer was being made on the phone, the fee of a few dollars could have been taken from my other account to prevent this problem from Due to poor customer service, lack of training on the agents part, and complete lack of effort on their part, I ended up with no option except to file a complaint to resolve this issue when the bank could have done it themselves. Because of these reasons, an overage on the credit card was reported to the credit bureau. 

After multiple conversations with the bank they admitted to the mistake but said that it was passed their time limit and refused to make the reversal. I want this bad mark removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
After not announcing who the person was, I specifically asked if this was my doctor calling regarding my medical emergency I was having. The gentlemen said yes and collected my DOB and then proceeded to tell me he was from a debt collection agency! I explained I had to hang up the phone because I specifically left work to answer this call and i was waiting for a medical emergency phone call! He impersonated a medical professional and claimed to be calling from my doctors office regarding my medical situation. I was LIVID!! This was from Renton Collection in XXXX, WA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: ERC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: REGIONS FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigations results.

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 2022-01-28
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX child support and Equifax inc. is violating my constitutional rights under the 11th and 14 amendments for the past 15 years. In a corporate bond scheme for profit, in an alleged contract agreement, creating a libel false claims on a monthly basis against my credit score. Which has effected my past, my present and may future. A debt of garnishment that must be done under a court order. XXXX XXXX XXXXXXXX. Section 7. When the supreme court has ruled. United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX child support is a agreed contract that I have never agreed to, agreed with or agreed on. XXXXXXXX XXXX XXXX  XXXX created a gender discrimination against men. Enrolling them against their well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions 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:
pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed

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 2020-08-12
Company: EQUIFAX, INC.
State: CA
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 sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but Equifax and XXXX refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because Equifax and XXXX  won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage on my condo serviced by Ditech Financial LLC, XXXX SD. Phone XXXX ; however when calling that number I get a customer service center in XXXX TX. 

Sold and closed on condo on XXXX XXXX. Ditech claims they mailed me a check for the balance of my excrow account in the amount of {$650.00}. Check did not arrive. Told there would be a wait until another check could be issued. Followed up and was told another check had been issued and mailed. They always tell me it will take 10 to 14 days for the check to arrive. That check did not arrive. Telephoned and insisted on talking to a supervisor. He, XXXX, told me that they are having system problem and although system showed payments being made, in fact, they had not. Told checks will now be issued on XXXX XXXX, XXXX. He told me it would be 10 to 14 days for check to arrive!!!! His extension at the above # is XXXX. I checked with XXXX. In XXXX they settled over XXXX complaints against Ditech and over XXXX complaints in XXXX. 

The condo is located in XXXX IN. Address is XXXX IN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I decided to purchase a home this year and XXXX XXXX was the first lender who brought this to our attention. XXXX XXXX hasnt been the second. XXXX tried pulling our credit from equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX. XXXX pulled their reports XX/XX/XXXX XXXX XXXX and XXXX XXXX none of which EQUIFAX has reported a score or report. Instead EQUIFAX has sent a message to both credit requestors ( please see picture of email in attachments ). Nonetheless, when my husband and I call Equifax and request to speak to someone in the United States and to a supervisor theyve assured countless times that there is NO freeze in his account, theres NO fraud alert in his account, theres NO alerts of any kind in his file thats prohibiting the mortgage lenders from requesting his report or score. So, the last time we spoke to EQUIFAX was last Tuesday, XX/XX/XXXX. They said they would mail us a copy of my husbands credit report and weve yet to receive it by mail. Again, its been a week and 4 days thats the longest Ive ever had to wait to get a credit report. Our mortgage lenders both that weve tried to do business with have said theyve never in all their years of doing business have never ever seen this situation ever and have advised us. So we are starting with this first step in hopes you can help us as weve wasted days, weeks, months while Equifax holds one of the highest credit scores my husband has hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: CA
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/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : XXXX inquiry XXXX XXXX Experian  inquiry XXXX XXXX and XXXX XXXX Bank I then froze my credit through XXXX, Experian, and XXXX. On XX/XX/2022 I contacted XXXX and XXXX XXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with XXXX and Experian to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open 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 explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: CA
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 sent many disputes to the credit bureau 's regarding this matter. XXXX XXXX has already removed the account from my credit report but XXXX and Experian refuse even though the account is not accurate. XXXX XXXX removed it because they saw the inaccuracies and removed it from my credit. I am filing this complaint because XXXX  and Experian won't remove it even though my disputes to them have pointed out all of the inaccuracies. 

The account in question is from XXXX XXXX XXXX, Account number XXXX which shows a balance of {$9000.00}.

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 2020-01-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is not my debt, it belongs to my husband of whom Im separated from. I have told this company a million times to stop calling me all day and allnight while Im at work. I do not know where he is located and they need to call him not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$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 non-monetary relief
Consumer complaint received 2020-05-18
Company: SYNCHRONY FINANCIAL
State: PR
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 have written to Synchronic Bank about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.

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 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
An application was submitted to American Express on XX/XX/2020. American Express ran a hard inquiry on my credit on this date but informed me that my personal phone number needed to be updated with XXXX before approving the account. I updated the phone number on XX/XX/2020. American Express credit department ensured me that they would not run my credit. However, there is a hard inquiry on my credit report for XX/XX/2020 that I did NOT authorize. This is a violation of the Fair Credit Reporting Act. I attempted to contact customer service and was transferred to 3 different people who could not resolve the problem. In addition, I contacted customer service via chat and could not resolve the problem either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
OnXX/XX/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : TransUnion inquiry XX/XX/2022-XXXX XXXX inquiry XXXX/2022- XXXX and XXXXXXXX XXXX XXXX I then froze my credit through TransUnion, XXXX, and XXXX. On XX/XX/2022I contacted XXXX and XXXX XXXXXXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with TransUnion and XXXX to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open 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 explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$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 2017-06-02
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient student loans is making it next to impossible to receive an income based repayment plan. I have tried several times over the past 5 months to properly enroll in the plan. They seem to have excuses each time I speak to them about why something was n't done. I requested hard paperwork be sent to my address twice. Each time, I was told the mail was " returned '' and that I should just do it electronically, anyway. I sent it via internet and was told it was n't received. Every time I spoke with someone, it seemed I could n't get straight answers out of them regarding how I should properly submit the income based plan. I finally mailed it in via certified mail. I was told I would receive an email on their decision a week ago and still have n't gotten that email. I fully believe NAVIENT knows exactly what they 're doing to make it difficult for people to pay back their loans in an affordable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: National Financial Group, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We joined XXXX because the sale pitch they gave us was all about how we could come into the store to make purchases and receive help from their professional staff. We were told how XXXX was a long standing company in the community and they were n't going anywhere.. Well, to our surprise a few months after joining the store closed down and XXXX was gone. We had ordered kitchen cabinets, and other items, and there was no one, or any system set up to take over the service when they closed down. Several months went by and we had n't heard anything about our outstanding orders. that had been paid for. After maybe four or five months I went through the XXXX account that I used to pay of my order and was able to track down my kitchen cabinets. They had been in a warehouse in XXXX, TX for months. We have other orders that we paid for that we never received. We were contacted by someone that explained to use vendors we would have to contact them and they would get us into see someone within two weeks or so. When we signed up originally I could simply call the store and they would give me a contact for the vendors. I would call that person and had immediate access to the service I need. This is what we signed up for ; the way I had to access vendors after the store closed was not useful. We were promised a service that we did not receive, and had no access to. We were paying out and getting nothing in return. Therefore we feel that XXXX broke the contract and we should not have to pay for unreceived services. XXXX is the company XXXX used to finance the membership.

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