BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: HI
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 mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX  I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. 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 explanation
Consumer complaint received 2022-07-26
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of a so-called me-to-me fraud on XX/XX/2022. I was told by a scammer that my bank account was compromised and for the account to be save again the scammer will send {$370.00} by the way of Zelle. I was told to make sure to say YES to Zelle and the amount. I had no idea what Zelle is or stands for. 

{$370.00} was withdrawn from my checking account at XXXX XXXX XXXX IN XXXX Washington. 
The money was sent to XXXX XXXX XXXX ON XX/XX/2022. 

I notified XXXX on XX/XX/2022. On XX/XX/2022. XXXX Informed me that there was nothing that can be done, because I authorized the transaction. 

I am a retiree and would appreciate to get my money back. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted substantial documentation to Setf/Wofc to remove a fraudulent charge off of my credit report including an FTC identity report and a Police Report. The company found valid fraud and the charge was removed from all three credit bureaus. XXXX  has recently blocked the company from reporting to the credit bureaus due to the account resulting in identity theft. Now, I received a letter from Setf/Wofc in an attempt to collect the debt after being a victim of idenity theft which was already proven and taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Benuck & Rainey, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Resurgent Capital Services L.P.
State: MD
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:
After reviewing my credit profile, I noticed I had several fraudulent accounts reporting my credit profile. 

XXXX ******* LVNV FUNDING LLC Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance on XX/XX/XXXX {$460.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from rent recovery solutions saying I owe them rent I requested proof of debt ( lease or something ) did not receive anything. This was reported to the XXXX and XXXX XXXX credit bureaus incorrectly. 

We are homeowners and do not owe any rent. I called the number o the dispute I filed with XXXX and the number belongs to a food truck. 

I am a very unhappy camper and this needs to be resolved and removed... ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was issued a 37 month personal loan by XXXX XXXX for the amount of {$1700.00} in XX/XX/2017. The current remaining balance is {$1500.00}, Ive been making payments of $ XXXX monthly for 11 months ( on time ). The interest rate on this loan is astronomical, I signed up for a 37 month loan and at this rate it is going to take over 120 months to pay off. How can one term of my loan so heavily contradict another? Is this legal?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Factor Trust
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
In XX/XX/2019 I submitted a complaint against XXXX XXXX. Unsolicited contacts that I had repeatedly requested not to be contacted by email and physical mail then over the phone. I received a reply : Company 's Response Ms. XXXX, We are in receipt of your consumer complaint against XXXX filed with the Consumer Financial Protection Bureau. We take all complaints seriously and, as such, investigated this matter. Per your request, we have removed your name from any future offers or mailings that we may make ... .Sincerely, XXXX XXXX I am now in receipt of another unsolicited offer dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: AL
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 recently obtained my credit report and noticed many fraudulent 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 2018-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I disputed a 30 day late on XX/XX/2016 and XX/XX/2016. i disputed this error with XXXX, transunion , XXXX  and XXXX. these companies have not corrected the error.

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: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # 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.

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 2020-08-04
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$300.00} XXXX {$300.00} XXXX {$150.00} XXXX XXXX {$110000.00} XXXX XXXX {$2500.00} XXXX XXXX {$2500.00} XXXX   XXXX XXXX {$120.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home mortgage in 2008, with Wachovia Mortgage, who has since been bought out by Wells Fargo Mortgage. The interest rate is very high. I was never told that the loan was being processed as a home equity loan, and I saw no reason that it should have been, since this was the only loan on the home. I never told that it would be a home equity loan, nor did I ever receive any right of recission, as required by law. I am attaching all documentation I received from the loan processing and closing. I recently tried to refinance, and was told I could not do it. Reasons given was that the appraisal value of the home dropped, and the house did not qualify under the values required for home equity loan refinance. The name of the street where the property is located is also misspelled on the 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 2020-01-02
Company: Experian Information Solutions Inc.
State: MS
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 filed a dispute on XX/XX/2019 and XX/XX/2019, with Experian involving my credit report.it has been over 30 days with no reply, in which they has violated the law by not responding within the 30 days allowed.I am asking that that these items be remove from my credit report .they recieve it on XX/XX/2019 by certified mail XXXX, and i have all my letters to back it up.

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 2020-11-22
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I HAVE ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.

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 2020-09-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been doing everything in my power especially during the pandemic to make my credit score go up and it has but yesterday I noticed that Nissan reported a negative comment on my report during in the pandemic I was late with one payment I decided to dispute it yesterday and today my credit score went down 18 points why is that when I have already turned in my car lease and why would they give me a negative report during the pandemic causing very very sad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Cedars Business Services, LLC
State: OK
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:
For the past several months I've continued to reach out both to the credit bureaus and collection agencies regarding the fact my identity was stolen and has been compromised. As a result there several fraud related accounts established online through identity theft without my knowledge or consent. For some reason an account by the name of Cedars Business Services continues to report an amount for a loan that I never taken out or received any money from after being notified by both myself and the major consumer reporting agencies that this is account is from the result of identity theft and or fraud. By continuing to report this fraudulent account, it violates both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. This issue has been going on Since XX/XX/2020 and I would like something done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-01-02
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: Personal information incorrect

Complaint:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2015-10-10
Company: NCB Management Services Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Starting in XX/XX/2020, I began to repair my credit by paying off old and bad debt. I noticed my Experian score is 30-40 points lower than XXXX   or XXXX. Recently, and on a daily basis, I have seen ads run on TV and online for Experian Boost. They want you to register with them with personal information such as bank accounts and how you pay your bills to boost your credit score. They offer it for free but also have a paid version. If you sign up for their service and pay them a fee it looks like they will raise your score even more. I have tried to do this with the free version but they do not list the credit union I use to pay my bills from. I tried to call Experian but never get through an automated number and it eventually terminates the call. You can't talk to a live person! I posted this on their XXXX site and they sent me a private message asking how they can help. They wanted me to send them my personal information including my credit union information over XXXX XXXX. Not gon na happen! Not with ID theft as bad as it is. I asked is there a number I can call and they said there isn't but here is an email address and they gave it to me. So my problem is they seem to be holding everyone 's ( including mine ) credit score hostage at a low  score until you either pay them or sign up for their service. How can they legally do this? In the mean time my XXXX and XXXX score are getting much much better but Experian is staying really low messing up my credit further. This is not right!!! This is going to keep me from getting financed for further credit later on. Please do something about this because they seem to be holding a ton of people hostage. Just look at their XXXX page and read the comments. If scores can be raised this easily why not just do it anyway without having to use their service?? It's bad and this seems like blackmail or keeping your score low and held for ransom until you pay them. It's a money making scam on their part. ( P.S. I am including screen shots of the conversation with Experian saved in my XXXX XXXX. Here is prove to what they said. )

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