BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2020-12-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with SunTrust bank. The last transaction that I made personally was a {$400.00} deposit in XXXX of XXXX. My statement ending XXXX XXXX, XXXX shows I have a balance of {$550.00}. I have made no transactions since. In XXXX XXXX I received a letter in the mail from SunTrust stating a deposit was made to my account in the amount of {$1400.00} and the letter informed me that {$800.00} of the deposit was not available for withdrawal. I made no such deposit. I went online and checked my account and found my account was overdrawn. I saw several transactions that were not mine and I immediately contacted SunTrust fraud to report this to them. 

During their investigation Suntrust found out that one deposit of {$1400.00} was posted to my account in error and they reversed this deposit. Suntrust credited my acount for {$4.00} which was the amount of the first fraudulent withdrawal from my account. The final fraudulent transaction was a debit of {$940.00}. Suntrust sent me a copy of this. It is what appears to be a cancelled XXXX XXXX XXXX check dated XXXX from someones account in Virginia. 

Today I received a letter from Suntrust Fraud that they are denying my case. 

I have all of my ATM cards which I have never used and all of my statements so I do not think someone stole a statement out of my mailbox. I have all of my checks as well. 
I really do not understand how this can happen. Suntrust Bank allowed a cancelled check from another bank that is dated cancelled XXXX to be used to withdraw {$940.00} from my account and Suntrust concluded that no error occurred.

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 2020-12-31
Company: OneMain Finance Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was behind on a few payments at one main financial in XXXX Washington. After receiving my stimulus second paycheck I immediately paid my past due palance. I called an agent to help me with my next payment for XXXX XXXX.After she looked into my account after 5 minutes I was a declined. When I called I have paid my full balance to be in good standing. I have tried other several companies All of them have either fur load my payment or extended it to help me during the pandemic issue of XX/XX/XXXX. One main financial also kept harassing me about three times a day looking for a payment when I did not have any money because of covid-19 financial issues. I hope for some leniency after my account was brought up to good standing yet I was still declined. OneMain financial did not give me any further options They did not help me at all and they were very unprofessional. The last words that one main financial agent told me was next time in the future call ahead of time if I need help with my future payment. That is exactly what I was calling about I believe the fee is anywhere between {$25.00} to {$50.00} and I was behind two payments if my fees would have been waived I would have a smaller amount owed in XXXX which would have helped me they're in the covid-19 pandemic crisis. Even one waved fee would have been great help during this disaster. I feel taken advantage of during this crisis and that is why I came to this website to file a company. thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have received this company info on my credit report for the past year. I have attempted to find a contact number for them on various websites such as XXXX and XXXX. All I find is rip off reports, a complaints. i have tried numerous phone numbers and repeatedly get hung up on. I placed a dispute through XXXX stating I do not remember taking out the loan. I got a response back saying " Account information disputed by consumer, meets FCRA requirements '' No one seems to know what that means. I have no record of taking out the loan or any documentation proving it. I asked the people that have answered the line to send me some proof of the loan and then I can agree to pay they just tell me to pay the loan and hang up. The amount of the loan is {$1300.00} allegedly opened on XX/XX/2015. If I opened the loan and are responsible with proof, I will gladly pay it. They can not provide anything for me. They are going by two names XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated XXXX XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I completed and signed a foreclosure settlement with XXXX XXXX XXXX on a property through my attorney on XXXX/XXXX/XXXX. Shortly after, another lender I do not know and never had any dealings with named " XXXX XXXX XXXX '' began sending me default notices and late payment bills after the settlement agreement was recorded on XXXX XXXX. I was never able to get in touch with XXXX or find out how they are involved. Since then, my credit report shows both " late payments '' and " foreclosure '' listed under also XXXX XXXX management, in addition to the late payments listed for XXXX, with identical origination dates. In other words, the settled debt it is now listed as duplicate on my report -- once as XXXX and again as the XXXX company who I 've never had dealings with. After many letters to all XXXX Credit reporting agencies requesting verification, I was successful in removing XXXX entry from the XXXX CRA back on XXXX XXXX. Unfortunately after repeated requests to investigate, incorrect information remains unchanged on both my Experian and XXXX reports and neither CRA has given me documentation of any debt owed to this XXXX company. I have attached my foreclosure agreement I signed XXXX/XXXX/XXXX and also credit reports of Experian and XXXX showing the incorrect XXXX entries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: TRN Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I met XXXX XXXX at a networking event where he was soliciting mortgage applications. I asked him to look into potentially financing a rental property that my domestic partner owned and sent him information regarding my domestic partner, XXXX XXXX ( I have a power of attorney for her and she authorized me to act on her behalf in this transaction ). She owns a rental property that has no debt on it and we were interested in obtaining a conventional mortgage loan on it. I was very specific that we did not want to have her credit report pulled unless XXXX XXXX felt that she would be able to obtain conventional financing ( her situation is unique and I did not think that she would qualify and explained to XXXX XXXX all the concerns I had regarding underwriting ). He assured me that he could get it done and pulled the credit report. He subsequently got busy with other clients and stopped answering my followups for one month. He then answered one additional email and again stopped responding to me for another month. It has been over 3 months and XXXX XXXX has completely failed in his customer service in the basic answering of emails and phone calls. This is irrespective of whether he can actually obtain a mortgage, he simply can not and refuses to answer emails and phone calls. This is the most unprofessional real estate professional I have dealt with in my entire life.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
On Saturday, XX/XX/XXXX at XXXX, I received an alert from XXXX that a hard inquiry was added to my credit report from USAA bank in Texas XXXX Additionally, an additional address was added to my personal information, which does not belong to me. I immediately set up a freeze to my credit and additional security alerts. 

On Monday, XX/XX/XXXX, at XXXX, I contacted the XXXX credit bureau to dispute this hit to my report. Additionally, I contacted USAA 's fraud department and reported that this was not me. I also filed a police report with XXXX XXXX, Virginia, where I reside. 

While I do not believe anything has been set up in my name so far, I believe that this was an identity theft or fraud attempt.

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 2018-06-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/2017 I went into XXXX XXXX to trade my XXXX XXXX XXXX. During the process of trading I was told that after 6 payments I will be able to refinance for lower payments. It has been XXXX year since I've had the car ( more than 6 payments made ) and have not been able to refinance. They did not explain to me that during the " Trade in ' that the remaining balance left on my XXXX would be transferred to the new XXXX. They told me that they paid it off. I am now stuck with a car that has negative equity with a monthly payment of {$560.00}. The payments are too much and they aren't helping me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: French Financial, 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: Old information reappears or never goes away

Complaint:
THIS HAS BEEN ON MY CREDIT REPORT SINCE XX/XX/2016 AND IT SHOULD HAVE BEEN REMOVED FROM MY CREDIT REPORT I WOULD LIKE FOR THIS TO BE REMOVED PLEASE IT HAS BEEN YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Hunt & Henriques
State: CA
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 XXXX and Attorney Hunt & Henriques ( collection agency ) is trying to collect a credit card debt XXXX even though the statutes of limitations has ran out. The Judgement was issued in XXXX by XXXX XXXX XXXX Court  , XXXX of XXXX XXXX but I was never served or receive notice from the court until the Judgement Levy was received at my employment XXXXThe Judgement Levy garnishment amount XXXX demanded in full to be sent to the Sherriff. I contacted Hunt & Henriques and explained that I had no knowledge of the debt, judgement and they did not want to vacate the Judgement. I filed a motion to vacate judgement pro per and to set aside default it was declined on XX/XX/XXXX in the XXXX XXXX XXXX Court claiming i was served by a process server but no actual paper work was presented or needed to prove I was served in XXXX According to the Judge .I attempted to explain that XXXX XXXX XXXX has been using the tactics of going after consumers for collection of bad debt even though the statutes of limitations had run out and also using robo-signing affidavits the Judge declined to hear it. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: NRA Group, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
National recovery has Reinserted a previously deleted information. It was n't accurate in the first place, but now Its back on after being deleted 2 years ago!. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed that this account that I am no longer an authorized user on this account as of XXXX/XXXX/2016 and it does not belong to me. I requested to delete the account. My investigation results did not remove the account and instead your company kept the account on my credit profile. 
I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user on XXXX/XXXX/2016. 
Creditor : XXXX Account Number : XXXX .... 
Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help.

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 2020-12-31
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I used my Chase credit card to make two purchases for stock and option trading services from XXXXXXXX XXXX XXXX in the amount of {$5900.00} ( two transactions of {$2900.00} ). Due to the company not providing the service ( s ) that I purchased, I disputed these transactions with Chase Card Services and faxed a formal signed letter to Chase Card Services per its request. An interim credit was issued while Chase allegedly conducted its investigation. However, some time later Chase informed me that it was siding with the merchant ( without explanation ) and re-billed me for those charges in XX/XX/XXXX. I filed a subsequent complaint with Chase because I still wasn't receiving the services that I had paid for but Chase indicated that there was nothing it could or would do. 

I continued to press the merchant, XXXX XXXX XXXX, for quite some time and eventually started receiving the services that I was expecting. In early XX/XX/XXXX, the service ( s ) stopped and calls and emails to it's Customer Support went unanswered. 

I subsequently learned that the Federal Trade Commission ( FTC ) was suing XXXX XXXX and XXXX for XXXXonsumer fraud and had filed its lawsuit on XX/XX/XXXX. I filed complaints with the FTC and XXXX XXXX XXXX. The FTC indicated on its website that I should contact my credit card company which I did. I called Chase Card  Services on XX/XX/XXXX and was told to submit my dispute in writing which I did. However, in spite of all the new information, Chase Card  Services representative, XXXX, a supervisor, has told me that there is nothing that it can or will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Earlier this year I received a letter from Wakefield and Associates for a collection account owed to them. I have no knowledge of the debt and believe the debt is not mine. On XX/XX/22 I sent a request for validation by certified mail. I have not received a response from the company and the debt has not been validated. The amount of the debt is for {$170.00}. I provided copies of my letter and certified letter receipt to all three credit bureaus. The only one who has not removed it has been XXXX. The company has not complied with my request and its negatively affecting my credit. I can not pay something I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
A few days ago we went to Honda and tried to loan a lease that I already had, but since the beginning I told them not to do any inquiries on my credit, they said its was ok that they didnt have to because I was a client of Honda for many years and that I wasnt going to get any problems suddenly I see all this inquiries from their side I think they are about nine so I called them back to get out of the deal and they recognized That they shouldnt have done that The sales person told me that it was the broker and the broker said he didnt do it and that he is not responsible for it he recognized its wrong and he apologized so please help me. I been working really hard to get my credit up and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several Weeks Ago I did an annual credit report pull and I noticed some fraudulent behavior, I was charged {$840.00} from I.C. Systems w Inc XXXX XXXX XXXX On my XXXX  Account. For an account Ive never personally seen before which brings me Slight Concern.

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 2017-01-10
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( XXXX   XXXX XXXX ( XX/XX/20 ), XXXX  ( XX/XX/20 ), Trans Union LLC ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX  ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.

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