BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The creditor named on my credit report, does not own the debt and can not offer me any means of satisfying or paying the mentioned line item or debt. This is illegal. Any company who lists a line item on someones credit report, MUST BE the company that can accept payment or other means of satisfying the debt. how can i fix something, if they do not offer me a means of doing so. Creditor Name is a VERY IMPORTANT THING lol this is not to be taken lightly. This would be like naming the wrong person in court, the case would be immediately dismissed. The wrong creditor name is a very important part of the terms of the mentioned debt

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 2017-05-29
Company: ERC
State: MI
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 previously had a relationship with  XXXX  and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Dyck-O'Neal, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Previously Submitted COMPLAINT XXXX to the CFPB on XX/XX/XXXX asking CFPB XXXX Notice for validation of debts Company 's Response Closed with explanation The FDCPA required validation notice was sent on XX/XX/XXXX. 

Did not receive this FDCPA validation notice that you claim you scented to me on XX/XX/XXXX. Could you please upload it into the CFPB Database so i can review it? and send me a copy by certified mail. 

Also I attach a copy asking for Validation of the debt through USPS CERTIFIED MAIL. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a loan for a car through Ally Financial. I paid my loan off on XXXX. After many attempts to receive my title I have now learned that they issued my car title to another customer, a car dealership in North Carolina. I have been reaching out to the customer service department weekly trying to resolve issue but I'm not getting anywhere. I have filed a complaint with the XXXX  which elevated my customer service level but still nothing and now they are not returning calls. Last returned call XXXX in customer service stated that she doesn't have an answer to fixing this issue.

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 2022-03-16
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted Best Buy XXXX XXXX for a message on my laptop as I have before. The agent requested permission to remote in as I have before to see the issue. Upon remoting in he stated I have an internet breech and he would need to send a system out for 3 days to block dark ware. He then proceeds to log on my account for gift cards to hold the retainer fee that would be refunded. As I later find out, this was done to both my Best Buy account and my Citi card credit card both owned by Citi Bank, The Best Buy was declined for suspected fraud while the credit card processed. I have sent all of the back up information that I have including the phone number used by the agent as well as receipts retained at the XXXX XXXX location showing this was not one of their agents and he fraudulently accessed and purchased on my card. I still have the gift cards that were mailed to me, but he somehow gained access and made purchases. The credit card company continues to deny my claim saying I have not given sufficient information. 
Best Buy customer service does not show anywhere where I purchased cards nor made purchases. This receipt form was found when the manager entered the gift card code to find the XXXX  balance. I also discussed with the credit card company where they can see the transaction was purchased, reversed, then purchased again on the same account.

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 2022-07-12
Company: Netspend Corporation
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Through paypal..someone had my phone and used my account.

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 2022-03-16
Company: Westcreek Financial
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:
I received a notification from my XXXX app about my personal information ( email, Drivers License etc. ) circulating the Dark Web. Naturally, i was prompted in the app to " Lock '' my credit report. I received another notification a couple of days later about a credit account with a West Creek Financial/ XXXX XXXX XXXXXXXX that was added to my XXXX credit report and that's when i understood that the lock I put on only locks fraudulent activity for XXXX and not XXXX or XXXX inquiries. I immediately called the provider of this account on XX/XX/2022 and also sent an email to their address XXXX and was informed that I needed to file a complaint and a report with FTC first and then with XXXX second to get this matter closed and resolved. Hence, why a complaint is now being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Spring Oaks Capital, LLC
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:
I am filing a complaint against Spring oaks capital LLC. Ive never done business or have any written agreement with this company. Spring oaks capital LLC is reporting inaccuracies on my credit file. Wrong address, wrong dates that does not match the credit bureaus and is violating 15 USC 1681i5a. This is also aggregated Identity theft which violates 18 USC 1028A. This needs to be removed from my credit file because I am a natural person and a consumer under federal law. I have no obligation of any debt, all debts belong to the United States. You have within 30 days to respond per 15 USC 1681i2 or this law is violated. Spring oaks capital LLC need to respond with my signature of consent to do business with them. That does not exist because this is fraudulent activity. Monetary damage applies per 15 USC 1692k for each law violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
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: Their investigation did not fix an error on your report

Complaint:
I recently sent out disputes over 30 days ago for a few accounts listed on my credit report. I received notice that this account was verified. I did not receive any supporting documents that I requested. This is my second request asking them to give me more information about this alleged debt. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared to take this issue to court to start a ligation. I have gave XXXX and Equifax over 30 days which they was suppose to verify and 15 days to sent out supported documents as I requested via supported documents in my dispute letter. They are now violated Section 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Crummy SETERUS mortgage servicer non-responsive to my inquiry into the h.a.m.p. incentive payment of {$5000.00} dollars. It has been over 5 weeks ( XX/XX/XXXX ) since they made the claim that it would be processed and paid out in a few weeks. The representative XXXX XXXX in her letter stated that if I have any questions to contact her directly. Have yet to get any response from her have left XXXX messages. This is the typical XXXX this XXXX company uses to delay and obscure their responsibility to address customer concerns. AS of XX/XX/XXXX I have yet to receive the funds or followup reply in this matter. Apparently they prefer to LIE and DELAY this payout in order to profit from the interest they gather from the {$5000.00} dollars. Never have I dealt with such a DISHONEST and LYING company in my XXXX years. They had the nerve to state " We strive to provide excellent service at all times and regret that we fell short in this instance. '' XXXX They failed at proper customer service XXXX % of the time since XX/XX/XXXX. AS if it was only once. What a XXXX lie. How is it this company is not fined for their deception and lies?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: SC
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:
I filled a dispute with the credit bureaus and its been well over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a settlement agreement with LVNV Funding, LLC, with payments of {$49.00} being automatically debited every 2 weeks through XXXX XXXX XXXX XXXX. My ending balance on XX/XX/2020 was {$490.00} of a {$1200.00} agreed upon settlement. Payments abruptly stopped being withdrawn in XXXX I believe, I called XXXX XXXX and was told to call Resurgent. Resurgent told me there was no record of my account. I continued trying to find out what happened, while LVNV was added to my credit report in the full amount of {$1500.00}. I was finally able to get a hold of someone at Resurgent who told me they will not honor my original settlement agreement since it was through a different company. I was never notified of the change in processing companies. Resurgent wants to settle for {$1000.00}, virtually eliminating the {$710.00} I have already paid toward this debt. I have disputed through XXXX  without success. I am not diputing the ownership, only the amount owed. I have a document from XXXX XXXX showing the ending balance owed on the settlement. What, if anything can be done? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So about a couple of months back I needed to get a loan to pay some of my bills. I went to checksmart and I was able to get the loan and pay off only a small but if my bills but I was still struggling with money. I have rent, electric, phone, and even medical bills for medicine to pay for my mother. I do not have a car and it costs a bit for me to catch two buses to get to work and back. But Checksmart has been constantly calling me non stop every single day since sometime in XXXX last year or XXXX this year up till now. Constantly being rude and demanding payment. And even at work they call non stop. When I'm home they call non stop. And when I would answer they hang up. One time I even answered and asked how much did I owe the lady hung up. All day long I get a total of 6 to 7 calls by them every single day. I almost got fired cause they called during a very important event at work. I keep my phone on during work in case of emergencies. And I was even at my mom 's XXXX in the hospital and they kept calling me. This is getting way out of hand and very annoying and I strongly feel harrassed by XXXXhecksmart. They clearly do not care. Also I found out that when a person seeks to get a loan for them they do not tell the person that they secretly apply an extra {$150.00} on a profile that they don't even mention at all because they did this to me. I'm struggling a lot with money and my health problems because I'm sick a lot. But they even called me today while I'm at work. This is really getting on my nerves and stressing me out. And this was the second time I got a loan from them and payed it back when I got the first loan last year. The second loan which I am struggling paying back and is getting harrassed for is getting crazy. I will pay them back and even when I tell them I will they either hang up or get rude. They never let me explain my situations or they threaten to call someone on me that they are partnered with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am having an issue with challenging incorrect information on my credit reports. There is Public Record Information tat is inaccurate in its filing. The term " Dismissed '' means that it is adjudicated by the law so as my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.

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 2022-07-12
Company: EQUIFAX, INC.
State: NM
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 appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XXXX I applied for a credit card consolidation loan. ( XXXX XXXX ) This was approved on that date. This loan amount was {$80000.00}. As a part of this process, I took advantage of a favorable interest rate reduction of .25 % by supplying the account numbers for each credit card that was to paid off. This included the credit card number, and card verification code. This was validate real-time by SoFi 's XXXX as shown by an error for one card I'd entered that it claimed was under a different name. ( This error was erroneous, as I believe they included my middle initial for that card. ) Later that day ( XXXX ) I noted that a disbursement of {$12000.00} was made to one of my cards at XXXX, and {$300.00} was deposited to my checking account which is also at XXXX. However, there was a third account at XXXX that did not receive a distribution. I checked the other accounts at other institutions ( XXXX XXXX, XXXX, Bank XXXX XXXX ) to see if they'd received any distributions. They had not. Each subsequent day I continued to log in to each of those financial institutions ' online banking sites to check on the status of a payment. There were none from SoFi. 

I contacted XXXX on XXXX to alert them to what I believed to be a problem. They refused to assist further as it hadn't been 3 business days since the distribution. I pressed them for transaction verification IDs for the XXXX. Either the agent did not have this information, or she refused to provide it to me. I said I'd wait until the 3 business days were met. 

I called again on XXXX as there were still no distributions to the other financial institutions. As I spoke to the agent, he agreed to open a request to check on the disbursement of the funds. He noted that it will take 24 to 48 hours to complete the investigation, and that they would let me know. Meanwhile, I am still accruing interest on the accounts in question AND interest on the SoFi loan that started on XXXX. 

My belief is that it should NEVER require a customer to point out a failed XXXX transfer. Customers do not have the information necessary to investigate failures. ( In particular, originating institution information and XXXX transaction IDs. ) Instead, SoFi should have the technology and processes in place to validate the successful transmissions and either re-transmit or work with the customer ( me in this case ) to correct any issues found. In this particular case, the apathy of the SoFi customer support team is benefiting SoFi ( they still have the funds ) and harming the consumer ( the consumer is now paying two interest accruals ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
on XXXX XXXX, 2016 i filed a dispute for XXXX judgment and XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate the items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when i contacted the Clerk of the XXXX XXXX of the State of California as well as the XXXX Office they BOTH report that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the records reporting. Upon contacting Equifax and requesting that they mail a description of their procedures, indicating the exact name and contact information, for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The XXXX tax liens and XXXX judgement should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.

Company response to consumer: Closed with non-monetary relief