BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I monitor my credit report and scores through XXXX. In XXXX of this year Equifax reported a " new '' derogatory mark on my report and dropped my score substantially due to this information. The next month XXXX followed suit. The problem is, that the " new '' information, was actually old information. It was a bankruptcy that had been discharged and reported back in XXXX. But, according to the information supplied to XXXX by XXXX and EQ it was " new '', so I had a subsequent score drop of around XXXX pts on each. I contacted XXXX who agreed to do an investigation, and am waiting on the outcome. However, EQ refused to do anything, even after the CS agent stated it was reported twice. When I was transferred to a supervisor, she denied that statement, and said credit scoring was automatically done, by machine, and there is no record available for her to go back and look to see what was reported, but yet could tell me when it was first reported in XXXX. She also tried to claim it was the other accounts in my report, that have also been there for a while, and not really much change in any of them. She then went on to try and discredit XXXX, and deny that XXXX gets any accurate information from them, and then tried to sell me my credit score. She refused to do any investigation, nor open a dispute claim. Here is a copy of what is displayed on the XXXX site as of XXXX. As you can see they clearly state where the information comes from .... 
XXXX ( R ) XXXX ( R ) Where You Stand You have XXXX derogatory mark. Last update, you had XXXX. 
XXXX XXXX You XXXX XXXX How It 's Calculated Open accounts in collections XXXX + Negative public records XXXX = Total derogatory marks XXXX PUBLIC RECORDS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against XXXX XXXX XXXX, XXXX and Capitol One for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as Capitol One has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, XXXX any right to collect on this alleged debt. I've never given XXXX XXXX XXXX, XXXX my identifying information or Capital One the permission to share my identifying information. Being that XXXX XXXX XXXX, XXXX has my personal information that is in fact Identity theft. XXXX XXXX XXXX stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( Capital One ) and the assigned ( XXXX XXXX XXXX, XXXX ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with XXXX XXXX XXXX prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX, XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: FORD MOTOR CREDIT CO.
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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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:
PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXX XXXX XXXX PLEASE DELETE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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: Reporting company used your report improperly

Complaint:
I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy XXXX Dock # XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!

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 2022-03-03
Company: Exeter Finance Corp.
State: NV
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:
I paid off my car loan via bill pay with my bank, XXXX XXXX XXXX XXXX. Instead of releasing the title to me it was released to XXXX XXXX. Remember, bill pay checks are from the account holder, NOT the bank or financial institution. I was in the process of negotiating a new car purchase but could not continue without the title. I spent over {$100.00} to get the duplicate title from Nevada DMV. I have requested reimbursement from Exeter because it was their error. It took Exeter a month to provide me my title and in the mean time I has gotten the duplicate from the Nevada DMV making Exeter 's copy moot. 

Today, Exeter 's response was, " After further review, Exeters records indicate you were advised that once the title was received from XXXX XXXX XXXX, we would send the title to you and pay for the XXXX XXXX  overnight to expedite the delivery. 

Therefore, we will not reimburse you for any additional cost that you incurred for requesting a duplicate title. '' The quality of customer service and knowledge of consumer banking is far below the standards a major finance company should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one

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 2022-08-30
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased two properties in XXXX in the Virginia area. My loan was sold to the Mr. Cooper Mortgage Company. The transaction was uneventful and I did not miss any payments. In XXXX, I received a notice from the Mr. Cooper Mortgage informing me that I did not have insurance on the properties and that they would be placing forced insurance on the properties. My insurance company, the XXXX XXXX XXXX XXXX, provided proof of insurance for the second time and I attempted to make my regularly scheduled payment. The auto- pay system on the Mr. Cooper site would not accept the regular payment and forced me to make a double payment under protest. Their system erroneously said that I was behind in my payments. Despite the double payments being made, they monies were not applied. Several months later, the overpayment was refunded to me. However, the false information still reflects that the payments were unapplied. It is worth noting that despite these errors in XXXX, I did not miss a payment. 

In XXXX, I received a notice from Mr. Cooper informing me that my insurance had expired in XX/XX/XXXX and that they were placing forced insurance on the properties. I provided proof of current insurance and made a payment via the online services. The next month, I received a second call from the mortgage company indicating that I did not have proof of insurance. I again notified my insurance company, XXXX XXXX XXXX, and was informed that the Mr. Cooper Insurance Company had been provided proof of my coverage in XX/XX/XXXX. My insurance company again, provided proof of my insurance for a third time. I attempted to make a payment and was alarmed to see that Mr. Cooper now claimed that I owed over {$30000.00} in mortgage payments. Despite the fact that I provided proof for a fourth time and never missed my regularly scheduled payments, i am still receiving harassing phone calls from Mr. Cooper claiming that my payments are in arrears. I accessed their electronic system on XX/XX/XXXX and this incorrect information is still reflected. 

My supporting documents have identifiable information such as my loan number and name. I will gladly submit this information to you upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX

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 2022-03-03
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was approved for a {$300.00} credit limit. Upon activating my card I was charged a {$75.00} annual fee. I want this waived as I have not even attempted to use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or

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 2022-08-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX someone tried to open a XXXX account using my name. A fact I learned after I received a letter from them dated XX/XX/XXXX about the fraudulently obtained account. I called them immediately to have it removed. I also placed a 90 day fraud alert with the major credit reporting companies on XX/XX/XXXX and that is clearly documented with them. I thought the thief had been stopped in his/her/their tracks but I recently discovered on a newly obtained credit report from XXXX that on XX/XX/XXXX ( just 2 days after I placed the fraud alert ) someone opened a fraudulently obtained account with XXXX ( Commenity Capital Bank ) and charged {$7500.00}. Then Commenity tried to collect by calling me over and over. I suppose I should have called back the many messages I started receiving on XX/XX/XXXX ( I have every single one of the recordings and there are a lot ). Each message was from a different person with a strange title and very threatening but did not explain the exact nature of the situation only that " an urgent matter ha [ d ] come across [ their ] desk. '' Not knowing yet about the fraudulently opened XXXX Credit card, I assumed they were just some kind of scam. Around XX/XX/XXXX, I noticed a big dip on my credit score on my XXXX account so I called them. They said I should call XXXX. I called XXXX. They could n't tell me anything but sent me a copy of my credit report. XX/XX/XXXX I received my credit report and discovered the fraudulently opened account opened XX/XX/XXXX ( 2 days after I had placed a fraud alert ) and charged {$7500.00}. I also noticed a wrong address changed in early XX/XX/XXXX and an errant phone number and various other inquiries I knew nothing about. This has been a huge headache and has taken me weeks to correct and I 'm still attempting to remedy this situation. It is incredible to me that 2 days after I placed a fraud alert, that XXXX opened an account with a {$24000.00} limit ( something I do n't think I 've ever been offered by anyone right off the bat ) and charged a whopping {$7500.00} on a newly opened account using my credit with had a fraud alert. This account should never had been open and I believe XXXX through Commenity Capital Bank has caused me a lot of pain and suffering and loss of income and credit. I was denied credit. This is gross negligence and I have ample documents to back up all my claims. I am only enclosing a few that prove the errant charge. Before obtaining counsel, I would like to just settle this matter between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
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 status incorrect

Complaint:
my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
My XXXX report is 161 pages. My XXXX  report is 93 pages and my Experian report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and 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