BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XXXX XXXX data breach several accounts on my credit report are not mine listed Experian Report Number : XXXX XXXX  File Number : XXXX XXXX  Report Confirmation # XXXX XXXX CREDIT BUREAU Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number HLTHFRXXXXXXXXXXX Collection opened XX/XX/XXXX XXXX  XXXX XXXX Account number XXXX opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX xxxxxx XXXX XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX {$36.00} XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information thank you so much and be safe out there wear a mask stay at home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
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:
These 3 accounts are not mine ... not sure who's they are. Please remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: HYUNDAI CAPITAL AMERICA
State: MA
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 was never late on the accounts that I am reporting. I am asking for proof and documents to prove that I was ever late and for the past months that I am disputing I havent received any copies of the requested proof. These inaccurate reports affects my scores so bad. Please help me out and have this 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 2019-12-29
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: ECMC GROUP, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2017-10-16
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Wells Fargo for a XXXX XXXX XXXX. They charged me XXXX fees for not having insurance coverage even though I have maintained full coverage for the entire period of the loan so far. When I refused to pay the extra fees, they began applying my monthly payments to the erroneous fees and then charging late fees. Finally they have charged off my account and will not correct their errors despite over 10 phone calls, email exchanges and discussions through the mail. They are also inaccurately reporting the incident to the credit bureaus, which show that I have not been making payments even though I make the agreed-upon payment ( from the initial contract for the auto loan ) every month and have never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Early Warning Services, LLC
State: IL
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:
This company, Early Warning, is used to verify banking history. They do not provide a way to access your information online or a dispute process other than to MAIL them a letter and include DANGEROUS information susceptible to fraud.

I should not be REQUIRED to MAIL a signed and dated Consumer Identification and Certification Form, a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ). What better way to steal someone's identity than to send a driver 's license through the postal service to an anonymous company and their anonymous employees?

They list a " secure portal '', but there is absolutely no link to access it anywhere on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-12-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
These people appied my car payment of XX/XX/2019 to another account although I made the payment with their rep. they also charged a extra fee of {$10.00} .... 

Please help ... I have attached the payment slip from my bank.

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 2017-08-23
Company: Cottonwood Financial Ltd.
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I took out a loan from the Cash Store approximately 5 years ago for {$800.00}. I was unable to repay it and the Cash Store sold the debt to a collector. This is the second time that these people have contacted me in the last 3 years. Each time they have refused to send my something in the mail because they said they have already done so and that is that. I have n't received anything in the mail. 
Yesterday ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) called me and I told her that I agree that I owe the debt. I said that I would n't pay them until I received something in the mail that showed the amount owing and the company that I 'm giving the money to. She was hostile and refused and would only send me something by email which I said was n't sufficient or proper according to the Fair Credit Act. She asked me what I borrowed the money for and I told her it was none of her business. I also told her not to call me at work. Today ( XX/XX/XXXX ) her counterpart called my work. 
I want to pay this but am afraid of giving my bank information to a company that is not legal and they will pass the debt on to another and I will end up paying it again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

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 2019-12-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
They promised to help with lowering payments. I have called multiple times to get help only to be ignored. I am now getting calls all hours of the day up until XXXX XXXX  at night and as early as XXXX XXXX. This is ridiculous! I have told them to stop and its not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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: Public record information inaccurate

Complaint:
I have researched and found according to Fair Credit Reporting Act : Section a-1-A credit agencies are not suppose to accept reports from a third party. We have contacted the courts and they specifically said they DO NOT report bankruptcies to credit agencies. We have contacted by two certified letters, Experian Credit agency, asking them to remove this. We enclosed with the letters, a letter from the court stating their policy. Could you please help us in this matter Experian is the only one still reporting this. 
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 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XXXX and XX/XX/2019 I submitted disputes with TransUnion and XXXX  for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX  is reporting a fraudulent XXXX account that is in violation also.

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 2022-01-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a certified dispute letter to Equifax Credit Bureau, XXXX and XXXX. The letters were confirmed received on the following dates to XXXX on XX/XX/2021, XXXX on XX/XX/2021, and Equifax on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with XXXX parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' " {$340.00} '' " Opened XXXX '' Block and Remove This Account From My Credit Report. I Did Not Consent To, Did Not Authorize, Nor Benefit From This " Derogatory Mark ''. Report Positively To All Consumer Reporting Agencies. Compensate Me {$2000.00} in total per violation as stated in 15 USC 1681N ( 1A ).

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 2021-04-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX, I called the bank because I was experiencing issues with making payments due to Covid. The associate and I discuss options and we agreed to a 12 month hardship program with payments coming out every two weeks. The payments were taking out of my bank account as expected. I would still get calls from the bank to collect but I would say I was on a hardship program and they would say the called in error. I was informed today, XXXX XXXX 2021 that I did not meet the criteria for the hardship program. I dont know how a company can do this. First the agreed to it. Second, they showed acceptance by withdrawing the money from my account but now they are saying I dont qualify and want to put me in a program that doesnt fit my need. I believe this is misleading and borderline fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i am a extremely ill sick XXXX consumer of ameri home mortgage company who refuses to asist me with my mortgage hardship and/pr to modify my mortgage i am in a very difficult hardship position with my mortgage payment need help assistance ameri home my mortgage continuose to refuse assistance and help with my mortgage hardship even though i numerous times have applied and requested them to assist me with my mortgage hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had 12 payments to XXXX credit cards totalling over {$1800.00} returned from CHASE saying CUSTOMER advises not authorized. I went to Chase, was told to call Fraud at XXXX and ask fir US Supervisor. Was on hold for 20 minutes then disconnected, called back on hold for 35 minutes and still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Empowerment Ventures, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
UniRush prepaid card I have been fighting over 2 weeks to have my pay check released from RushCard ( deposited XXXX/XXXX/XXXX ). The run around you get going through management is unethical behavior for any business. I sent statements with my signature as requested, I was told on many different conversations with management that my check would be released over night, and it has been two weeks and still no check!! The unethical behavior is holding a check for the return interest the company receives on the money while the customer suffers with the results of GOOD FAITH/BAD FAITH POLICIES. 


Another response I made to RUSH card a few days after the 1st statement above. 


I am aware of the deposit amount that I ca n't seem to gain access to after 2 weeks of waiting for a canceled dispute. I have been waiting for a suspension on my account to be removed. The Disputes dept. refuses to release my funds even though they have received all requested documents from my husband XXXX. I am about to lose my car because I ca n't use my account. I have been told everyday for the last 2 weeks that it will take an additional 24-48 hours before resolution. It is not fair that I have been with your company since XXXX and this is how you treat a loyal customer. I am not able to sleep which is starting to affect my ability to work or function for that matter when your sitting up all night waiting for a Tow Truck to come and take your property simply because my card company ca n't close out a case that has been ESCALATED EVERY OTHER DAY!

Company response to consumer: Untimely response
Consumer complaint received 2019-10-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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