BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-12
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: U.S. BANCORP
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I received the following offer by mail from NIH Federal Credit Union to open an XXXX XXXX credit card account : " {$150.00} Cash Back Bonus - Spend {$500.00} in Net Purchases ( purchases minus credits and returns ) within 90 days of account opening and earn XXXX Bonus Points that can be redeemed as a {$150.00} cash deposit to a checking or savings account or as a statement credit to your Card account. The account open date is listed as the effective date in your Cardmember Agreement. Bonus Points will be credited to your account 6 to 8 weeks after you reach the {$500.00} spend. '' I applied for the credit card online on XXXX XXXX, XXXX. Elan Financial Services issued the XXXX XXXX Card to me on XXXX XXXX, XXXX, as indicated on the Card Agreement. I spent over {$500.00} by XXXX XXXX, XXXX. According to their offer, I should have been awarded the Bonus Points by XXXX XXXX at the very latest. However, I have not been awarded the XXXX Bonus Points yet. 

I called the telephone number on the back of the credit card several times to inquire why the promised Bonus Points were not yet credited to my account. I spoke to at least XXXX representatives who confirmed that I met the terms of the offer and would be awarded the XXXX XXXX. However, I was told that the 6 to 8 week period does n't start until the XXXX spending period ends, contradicting the offer printed above that states that it starts " after you reach the {$500.00} spend ''. On XXXX XXXX, I was told I would receive the points in 10 days. Today, I spoke to a representative who told me that the previous representative was wrong ; it will take 14-17 days. Then a supervisor contradicted her employee by telling me that they have 10 to 12 weeks after after the 90 day period so they do n't have to award the points until XXXX XXXX, XXXX, again clearly contradicting the terms of their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I placed a dispute for validationof accounts in XXXX of 2017 For the tradelines showing on my credit report of XXXX and XXXX accounts of XXXX. These accounts were not validated therefore were removed frm my credit report. I received notice that between XX/XX/2017 and XX/XX/2017 that the tradelines of XXXX were removed from my credit report. also received notice that XXXX XXXX TRADELINES WERE REMOVED FROM MY REPORT. However after checking my credit report Equifax placed these tradelines back on my credit report without giving me notice or without them receiving a letter of reinsertion from the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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 was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I put in a dispute to Equifax regarding my XXXX balance on XX/XX/XXXX via fax since they will not allow me to access my credit report via the internet. I found out on XX/XX/XXXX that the account was never disputed and that it would be another 30 days before anything happened. This has caused a huge problem since I need to go for a loan and am now out of time. I need the balance to show correctly immediately. Spoke with XXXX XXXX in Office of Consumer Affairs, stated at that time the dispute was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit.

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 2021-06-24
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: Information belongs to someone else

Complaint:
My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX

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 2021-06-24
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:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Information belongs to someone else

Complaint:
I HAVE SUBMITED AT DISPUTE THAT THIS ACCOUNT WAS FRAUD AND UNLOADING THE FTC REPORT AND A BASED VERIFCATION WAS DONE AND NOTHING WAS GIVING TO ME ON WHAT WAS PROVIDED ALL THEY SAID WAS THEY NOTHING THEY CAN DO THET THE CREDITOR ON CONTRAL ON WHAT GET DELETED ON WHAT STAY ON SO HOW IS THAT PROTACTING US FROM FRAUD

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 2016-03-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been currently working with my mortgage loan provider regarding past due payments on my mortgage account due to my husband having lost his job. I started working with XXXX XXXX at Wells Fargo bank and besides her just not being prompt or sensitive to such an important matter like our home is. Once our case was reviewed for repayment options we were told options through Wells Fargo were denied, but nothing specific was disclosed. I appealed their decision once my husband was able to acquire XXXX part time positions and asked for our case to be reviewed. According to the rep during this process our foreclosure status would be suspended. I received a call from her telling me our appeal had been denied. I began to ask questions regarding this decision. I wanted to know why and exactly the reasons why since we have more income now to cover our mortgage costs. I have yet to receive a phone call explaining anything from her or anyone at Wells Fargo, and when I contacted the foreclosure department and they advised me that my home is now in active foreclosure. I asked the rep in the foreclosure department to go over all of the fees to reinstate the loan and NOT one person can give me a break down. I really feel that we are being taken advantage of and I do not think this is even legal to do. I will be seeking legal counsel.

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 2021-06-24
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: Information belongs to someone else

Complaint:
I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.

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 2021-06-24
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:
I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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:
I HAVE ASK 2 TIMES TO REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME THEY HAVE REFUSE MY NEXT STEP IS TO FILE SUITED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: FL
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:
On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.

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 2016-10-06
Company: ENOVA INTERNATIONAL, INC.
State: IA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Volvo Car Financial Services U.S., 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:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VOLVOCARLSE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
i received a call from a complany XXXX XXXX and associates stating that I had owed monies from XXXX to a XXXX financial and that they took over the company. I believed them because this was the time I was going through a divorce and I did owe money. They stated that I owed XXXX but they would settle for XXXX in XXXX payments of XXXX so I believed them because I did owe money from back then and gave them my num, ber over the phone in which they took out the XXXX on XXXX/XXXX/XXXX. When I called them on Monday because they were supposed to send me an email with the agreement the lady on the the telephone was very shady. Thenumber I called for XXXX and associates was XXXX. I called to check up on that num, ber with the division of banks and they told me there is no such company and that number is a fake number so they instructed me to \file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a wrong address on my credit report. I have never lived in California.

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 2021-06-24
Company: Chime Financial Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My chime account for credit building is in accurate cause it states that I owe XXXX in credit debt I owe wich is in correct. This chime builder account should show I have XXXX in available credit cause I put monies In this account. So IT SHOULD NOT SAY I OWE THIS MONEY AS A DEBT. THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my loan was transferred from XXXX XXXX to Bayview loan on XXXX/XXXX/2015 and from the beginning there was problems with their accounting for crediting me with previous payments to my former XXXX XXXX. Finally after months of exchanging paper work I finally had an apology from Bayview Loan saying they made a mistake and would rectify my account which they did, but now it is starting all over again. On XXXX/XXXX/15 I received an annual escrow disclosure statement saying there would a shortage of {$46.00} and if I made a lump sum payment ( which i did on my XXXX/XXXX/15 mort. payment ) my new monthly payment would be {$1400.00} instead of my previous regular amount {$1400.00}. Now i received an amount due on my XXXX/XXXX/15 for {$1400.00} because they never credited my lump sum payment of {$46.00} on my XXXX/XXXX/15 payment. On Bayview Web site I payed my amt. on the due date XXXX/XXXX/15 and they posted on their site as XXXX/XXXX/15, but now they say they received it on XXXX/XXXX/15 which makes me late by six days. On my XXXX/XXXX/15 payment Bayview only deducted {$180.00} off my principal amt. when it should be {$540.00} according to their statement dated XXXX/XXXX/15 with my extra {$100.00} to principal. Some thing is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: LEXISNEXIS
State: OK
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:
Please remove all fraudulent bankruptcies 1. They stole the info and didn't have a permisseable purpose to report it. I Wrote the bankruptcy court requesting them to tell you if they reported it to bureaus, they did not, I did not consent to it pursuant to 1681b. ( 2 ) .. I want all of the bankruptcies removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
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 received, in the mail, an envelope from Suntrust bank containing a Suntrust debit master card along with a separate envelope containing a pin # for mentioned card, apparently for an account that had been opened with my name and address. On XX/XX/XXXX I received 9 more envelopes from Suntrust bank all containing welcome letters along with checks and/or deposit slips for 9 different accounts opened with my name and address. These included 3 advantage checking, 3 advantage money market savings, and 3 essential savings accounts. I have NEVER done business with Suntrust or BB & T banks. 
I called Suntrust customer service on XX/XX/XXXX to be connected with their fraud department in order to report the first mentioned account as just that, fraud. I then checked my credit report with all 3 major agencies and noticed on XX/XX/XXXXreport that Suntrust XXXX Florida had done a soft inquiry on XX/XX/XXXX. When I received the other 9 envelopes the next day, I called back XXXX XX/XX/XXXX XXXX to report and inquire. They would only tell me that the accounts were opened online and they would investigate and close all accounts in my name.

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 2021-06-25
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a car from advantage XXXX a 2017 XXXX XXXX and I bought the gap insurance as well from XXXX XXXX and had full coverage from XXXX XXXX XXXX and my car was claimed a total loss they had me surrender my vehicle and a gap and my insurance company together did not cover the entire price of the vehicle why that happened I don't know I thought Gap was the purpose of finishing paying off if the insurance company did not pay off so now I have {$1600.00} balance on my credit report from Chrysler Capital can you please help me

Company response to consumer: Closed with explanation