BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account and was previously deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter by mail from XXXX XXXX XXXX XXXX stating that my PayPal balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit collections continues to call my number and call me XXXX. I have repeatedly told them1). I am not XXXX2. They have the wrong number 3). Stop calling They have not stopped.  They are calling the wrong number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My XXXX card is being refused because of some different information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014

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 2020-01-21
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:
Hi Team, Thank you for your time. 

A gentleman used his credit twice to lease XXXX and XXXX Hyundai. I made the payments. XX/XX/XXXX loan papers completed to buy out lease of the XXXX. I am listed as the buyer and the gentleman as the co-buyer. 

{$36000.00} financed, {$780.00} per month covered by me for XXXX months. With no communication or request, the gentleman paid the next XXXX payments. I paid XXXX. On 29 days past due, the gentleman hadnt surprised me with the mystery gifting. Hyundais website would not allow me to make payment as it had the XXXX previous times. Photographed and later sent to Hyundai dispute department, the screen notice reads : Your account is not eligible to make a one time payment at this time because your account is inactive or you have no more payments remaining .... Customer Service : XXXX XXXX XXXX XXXX. 

XXXX XXXX, financial services rep available. I made the payment. The rep said to me, good thing you paid, you can be towed on the 31st late day when there is a LEGAL HOLD on your car. What is that? ... .. she talked to management and then relayed to me that she could only talk to the buyer or his ATTORNEY. What attorney? 

My XXXX club could not tell me what a Legal Hold was, in this scenario. DMV could only tell me that the record looked good from their end. Hyundai dealership that sold me the car could only instruct me to try corporate again. I did, and same as before, they would not tell me what was going on. I was told it was being escalated to the RECOVERY DEPARTMENT. 

I use my name and social for all login and verbal communication with finance. The finance website labels the account with gentlemans name. A payment history I recently requested came to my temporary mailing address in the gentlemans name. Hyundai Assurance Car Care mailings are addressed to me. The California DMV registration reads : Me or the Gentleman. 

Why did the dealership have the XXXX year old gentleman sign as co-buyer if it was only his credit that makes the sale possible? Why did Corporate then reverse those positions? Is this just a Legal way to make the sale and get the numbers to crunch? Why does the attorneys presence get the company to stop treating me as a loyal customer? 

A Promise to Us written in the sales contract I signed reads : You ( I ) agree not to expose the vehicle to misuse, seizure, confiscation, or INVOLUNTARY TRANSFER. I will keep this aspect of the contractual promise just as I have kept my payment promise. What possibly could I have done improperly to deserve being kept in the dark about why the car I am faithfully making the payments on is being referred to the Recovery Department?

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 2019-08-18
Company: CL Holdings LLC
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
this loan got turned over to a lawyer that bought the debt and the kids were paying on the debt for a couple of years the loan got bought back by the orginal lawyer and they never reached out to the kids and they sent me the information which I forwarded to the kids and they called and the lawyers wanted some ridiclous amount and nothing has come of it .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Franklin Collection Service, 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 debt was settled with XXXX XXXX XXXX. Yet Franklin Collection refuses to remove inaccurate information from my XXXX  Credit Report. Please contact the reporting agencies inform them that the debt is disputed and advise them to delete it from my credit report. Failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I received the letter state that " we have tried to contact you '' ( that is false ), to collect debt from hospital ( service date XXXX ). 
There is no medical bills, no explanation, just order to pay {$2700.00} before XXXX. 
And threads that this is " amicable manner '' Company represent itself as PCB XXXX XXXX XXXXXXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX I have medical insurance, and I never received any " bills '' from hospital, that PCB "  represents ''. Beside that - hospital has my insurance information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Bread Financial Holdings, Inc.
State: TN
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:
When I saw my credit report, I notice that there are some inaccuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Risecredit, LLC
State: TX
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:
Rise XXXX  XXXX Amount - XXXX This is not mine someone use my credit to get cash out so it must be off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form.

XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: EQUIFAX, INC.
State: UT
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax keeps sending mail with my name spelled correctly and when I contact them they state that they did not do that. I am entitled to have may name spelled correctly as I only have ever used one name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2016, I applied for a XXXX  modification through Nationstar Mortgage and was required to make three trial plan payments. Nationstar misapplied my TPP, which resulted in the denial of the modification and a wrongful foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail today that I did not apply for. It has someone else 's name on the card.

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 2020-12-11
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I have sent letters to verified this derogatory this on my credit report and it is hindering my credit. The amount of Argentalre {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: PA
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:
Experian still reporting XXXX XXXX on 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 explanation
Consumer complaint received 2018-03-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
phone number XXXX called twice within a hour. I would like apology from that and a fine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: ERC
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: TN
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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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:
I'm having a hard time getting the credit bureaus to process my paperwork. Every time i call and ask if they have received my information that i've mailed, they tell me no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, XXXX, and experian has not sent my credit report ftc violation trying to fix the inaccurate information on 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 explanation
Consumer complaint received 2019-03-10
Company: ENCORE CAPITAL GROUP INC.
State: IA
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:
Amount adjusted ; decreased by {$120.00} by creditor, and then increased AFTER prior adjustment already made

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: SYNCHRONY FINANCIAL
State: OH
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 have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

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 2019-08-20
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I need my money out of my daughter account . Because the bank she deal withdidn't give her the money that I tell her to put into your account.  Her light got cut off . I need my money back now.

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 2021-08-11
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Experian Information Solutions Inc.
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:
I have sent several emails to this company and they still have fraudulent accounts on my report and I want them all removed.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-03-14
Company: EQUIFAX, INC.
State: NM
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:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like for my extended fraud alert to be removed. I've tried to call multiple times and seem to only get an automated system.

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 2018-02-06
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following account is fraudulent, unauthorized, not mine and the result of identity theft : XXXX XXXX, XXXX. XXXX XXXX XXXX transferred the fraudulent account ending in : XXXX to XXXX. I been receiving harassing phone calls every day at XXXX XXXX  from XXXX XXXX representatives using abusive and profane language, making death threats and threats of taking legal action against me and getting me arrested and sent to jail and prison for a credit card account thats fraudulent, unauthorized and not my debt or account. XXXX XXXX is in violation of The Fair Debt CollectionPractices Act ( FDCPA ) under Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ChexSystems reports that my SS # was available for issuance in XXXX when in fact I was born in XXXX. I sent a dispute letter over a year ago and have received no response. I just requested a new report and the I formation is still incorrect.

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 2019-11-13
Company: Scott Fetzer Financial 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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation