BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: Early Warning Services, LLC
State: GA
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:
Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions Inc.
State: WV
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 incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back. 

When I disputed this with Experian, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX  with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '. 
Repeated attempts to engage them on their website have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and XXXX data breach and may have reached the hands of a fraudulent person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ad Astra Recovery Services XX/XX/XXXX, disputed with a 609 letter spring XXXX was never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Personal information incorrect

Complaint:
I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " one '' not " three ''! I only gave permission for 'one ' credit inquiry. Please delete three from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2019-11-23
Company: LEXISNEXIS
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:
I have sent my FTC affidavit to these companies so they can remove the erroneous information that they report to the credit reporting agencies also I sent in a request not to release any of my personal information to any of the credit reporting agencies no limited to but XXXX, XXXX, and XXXX. These 3rd party companies are still refusing to freeze and or remove information on my file even after sending my FTC affidavit. This is my final attempt to rectify this situation before seeking legal action. I am a nevada resident and I did not file bankruptcy nor do the accounts whom are on my credit belongs to me which are under a bankruptcy. The information XXXX XXXX and LexisNexis are not of mine. Obviously someone with a similar name but different demographic information is getting mixed up with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Social Finance, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a line of credit with SoFi. I used it a couple times and they froze the account. I confirmed the purchases were made by me ( the account holder ) and is been frozen for XXXX weeks. I've the out to them at least XXXX times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 applied for Spirit Airline credit card ( Bank of America ) while buying tickets on Spirit web site in XX/XX/XXXX. Something went wrong during transaction and it didn't get through. I thought I used a different credit card. I can't prove it, I do not keep records for that long. I never received any statements from that credit card ever. No one called me and notified me about my outstanding balance. Only a month ago ( XX/XX/XXXX ), when I applied for car loan, I was notified that Bank America reported my non-payment to all credit reporting agencies, so I could not get a good interest rate. I contacted Bank of America in XX/XX/XXXX and received a letter stating that they didn't do anything wrong.

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 2022-06-15
Company: Early Warning Services, LLC
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I noticed multiple fraudulent accounts opened without my knowledge with these banks : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$13000.00}. 

The XXXX  XXXX XXXX account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$200.00}. 

The XXXX XXXX XXXX  account was opened XXXX XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$4000.00}. 

The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$31000.00} The XXXX XXXX  account was opened XX/XX/XXXX, the account number is XXXX and the routing number is XXXX, for an amount of {$2000.00}. 

This account was opened without my consent and my personal information was falsely used! I have included my FTC affidavit for my support and reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. Transunion sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for XXXX XXXX.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX USPKI sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Personal information incorrect

Complaint:
The information in my personal info is incorrect. 

I do not reside at address " XXXX XXXX XXXX XXXX, NJ XXXX. '' I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX. 

I do not reside at address " XXXX XXXX XXXX XXXX, NY XXXX '' I do not reside at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I do not reside at address at XXXX XXXX XXXX XXXX XXXX FL XXXX. 

I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

I would like for all of these addresses to be removed from my credit report. I have no ties or affiliations to either one of them. Furthermore, I do not reside at either address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My name is XXXX XXXX XXXX and I believe I am a victim of a scam. The company of whom I dealt with is known as XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ). This company advertised on XXXX with the promise of student loan forgiveness to students who attended XXXX XXXX XXXX. When I called XXXX, I was told a completely different story. Instead of fulfilling their advertised promise of student loan forgiveness, they instead promised to lower my student loan rates and adjust my monthly payments to a lower fee. XXXX would NOT help me unless I first provided my personal information and financial information to them over the phone. I was told that I would make three monthly payments in the amounts of : {$190.00}, {$190.00}, and {$190.00} before XXXX would do anything else. XXXX also used high pressure sales tactics forcing me to electronically sign documentation giving them Power of Attorney. I later found out that the documentation in which XXXX provided pressured me to electronically sign, is full of spelling and grammatical errors. In addition, I did NOT receive a receipt of any kind after I made the three above mentoined payments. XXXX told me that my loans would be placed into forbearance for the remainder of the year until XXXX and also told me that I should cease all payments and communication to my loan servicer. I was told that I should send my montly payments to XXXX instead of sending the payments to my loan servicer. As a result of all of this, my telephone number has been given out to automated robo-calls where I recieve several phone calls per day Monday through Friday. I have been forced to call my mobile carrier to change my mobile telephone number due to the amount of robo-calls I have been recieving. In addition, I fear that my personal information has been sold and or traded to organizations without my consent. The credit card in question belongs to my wife and after I informed her of the situation, she called the credit card company to ask for a refund on all three charges I mentioned above. Additionally, she has been forced to close the credit card account and open a new one to prevent further fraudulent charges from occurring. XXXX operates a generic website and a XXXX page on the web. I have listed them below. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair 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 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 2023-01-06
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX XXXX and on XXXX XXXX a credit card was opened with creditor XXXX XXXX or Swiss Colony XXXX. This inquiry was fraud on my credit report because I never authorized this account to be processed. I want to dispute this because it messed up my credit score and I just purchased my home and i dont want to lose my home because of a fraudulent inquiry. The credit card limit was XXXX  and the reported balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX on XX/XX/XXXX from a XXXX dealer and financed it through BMW Financial Services. My first payment of {$670.00} isn't due until XX/XX/19. On XX/XX/2019 I made my first payment of {$750.00} expecting the extra amount to go towards principal reduction. Instead, the extra amount of my payment was showing as a credit towards my next payment. I called BMW for  an explanation and she said that it does go towards my principal reduction. I don't understand how it will go towards my principal reduction AND be a credit towards my next payment ... that doesn't make sense they would give me a double credit for that amount. That doesn't help pay down the loan and reduce my interest cost, but it helps BMW though. 
On XX/XX/19, ( first payment not yet due but still made ), I made an additional " other '' payment ( from the BMW drop down payment menu ) of {$540.00}. After this principal reduction posted, I noticed that {$470.00} went towards principal reduction but they applied {$69.00} towards INTEREST. I called again and they told me that interest still accrues daily on the loan and that was the charge. The daily interest is part of the monthly payment which I already pre-paid. So now BMW is charging me interest for the month with my regular monthly payments AND charging it AGAIN when I make a principal reduction. I don't understand how I can pay off my loan sooner and save interest. If I continue to pay extra on my loan the way BMW is charging me, I will wind up making all my payments with interest plus additional interest on my extra principal reduction payments. I'm being penalized for trying to reduce my interest cost. How can they charge interest for the principal reduction when the next loan payment isn't due until the end of XXXX now. 
As a result of this unfair practice, I have started the process of refinancing this XXXX  loan with my credit union that I have financed vehicles with in the past ( and applies my full principal reductions the correct way ). However, with this new loan last month from BMW, and the credit inquiry from BMW and with my trade in being paid off, my credit score has dropped enough where my interest rate on my new refinance loan will be 4.58 % which is higher that my 3.99 % rate with BMW. It is not fair that I have to refinance to get away from BMW 's unfair lending and pay a higher rate because of THEIR actions. This isn't right. I didn't do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiry listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this inquiry completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 2021

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 2020-10-09
Company: EQUIFAX, 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:
After reviewing my credit file, there are 2 fraudulent credit cards and a utility account opened using my information that I did not authorize. Identity theft.

Company response to consumer: Closed with explanation