BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax removes and reinserts so that WE pay big bucks but it is n't to watch others it is to watch XXXX! XXXX is supposed to be removed from my credit report. Seems only Equifax has problems reading XXXX. I have reported them multiple times to XXXX XXXX, Attorney General 's Office, as well as the XXXX to no relief. 

See letter to REMOVE XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX, EQUIFAX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX XXXX do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. 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 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their 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 2017-05-17
Company: The CBE Group, Inc.
State: WV
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:
I received notification on my alerts through  XXXX  that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and  XXXX  on  XXXX   XXXX ,    2017 wi th  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,    2017 wh ich is in the future. Second, I do not have gas service at my present location and have been at my present location of  XXXX   XXXX   XXXX  for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,    2017 and  ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.

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 2021-12-31
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:
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX

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 2022-07-05
Company: Experian Information Solutions Inc.
State: MD
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 following addresses are on my Experian Credit Report which are not the correct addresses for me. These addresses are incorrect and improperly on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Inside of my background reflects a offense of XXXX this charge was dismissed and expunged and should not reflect in side of my background.

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 2015-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I signed up for a XXXXXXXXday trial of Experian 's credit tracker product. When I created an account, it asked for my mother 's maiden name. After I registered, it now displays the maiden name on my account page. I am concerned this is not secure because both my XXXX and XXXX accounts were hacked. If someone hacks into my account, they will get my mother 's maiden name. I raised this with Experian and they said they would pass the feedback along, but said there is nothing they can do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and no action has been taken.

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 2021-12-31
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
XXXX XXXX I purchased A XXXX XXXX XXXXXXXX XXXX truck from XXXX dealership located in XXXX Texas. The vehicle was delivered to me after I went through every step including a down payment of {$1500.00} to get approved and delivered to my front door. After getting the vehicle and driving it for 30 days my temporary tags expired on XXXX. This company sales taxes are included in the finance charges.I then asked about the permanent license plate and never received answers. XXXX XXXX temp tags expired. I wasn't able drive my truck 3 weeks due to them not answering my email and hanging up in my face until one day I push a number as if I was purchasing a new vehicle received another temp tag XXXX XXXX which will expire on XX/XX/XXXX not having those a full 30 days. I still have no true answers to when I would receive my permanent tags besides they needed to request a duplicate title. So I'm not sure why they didn't do that before selling the truck. It takes them weeks to get them to request my temp tags when I do call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto Loan company kept charging me late fees on a payment that was made on XXXX XXXX, 2015. I contacted them around 7 times and contacted the bank so they can provide a proof of missing payment. They kept saying they did not receive payment nor documentation. Then they said the fax number given to me was incorrect. I previously mailed the proof but they claimed that they did not receive that either. Last phone call they gave me a new fax number which did not even match to the previous faxed number they gave me. Also, They continued to charge fees on a payment which was paid my end and cleared by the bank. I have all the documentations necessary about my payments on my online account with the images of the checks written. However they claimed that they have no documentation from me or the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21
Company: High Point Asset Inc
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received threatening calls from a debt collector ( naming me as a " person of interest '' in a legal matter ). They claim I owe multiple lenders due to several payday loans that were sent to my banking institute from XXXX to XXXX. The company is called HIGH POINT ASSETS INC. They are calling on behalf of several lending entities that allegedly deposited funds into my bank account in {$400.00} increments ; totaling up to {$2600.00} over a period of two years. The representative asked me to verify the last XXXX digits of my SSN and my current mailing address, none of which did I provide. Instead I asked the caller to confirm what they already have on file and s/he gave me information that was over XXXX XXXX XXXX ( clearly the information was not active during time they are suggesting I took out the loans ). And to add insult to injury my place of employment as well as banking institution the " said '' funds were deposited was also incorrect/inactive. This company is operating under false pretenses -- an atypical SCAM artist to say the least. PLEASE do not verify your vital information with them, request that they send you something in writing before moving forward!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I have opened an account with  XXXX , in which they have offered me 12 months promotional period for any purchase ( no minimum value ). The first outstanding balance  (  purchasing amount ) was {$460.00}.     So I have divided my payments into 12 monthly payments and I set an auto-pay to let the payment withdrawn from   XXXX    XXXX   XXXX  account.     I 've started paying the monthly payments, until I received the seventh statement which says I have been charged an interest ( and it was deferred ) because the promotional offer has expired aft er six  months. Which is totally untrue. They did n't send me any agreements that says if my promotional offer is 12 or 6 months.     I contacted Synchrony bank four times and after long conversations (  XXXX  ) & (  XXXX  ) they said I have to go back to the store.     I really did and the store denied this and kept asking me for documents to prove this which I never received. And honestly I was n't aware about these statements because I have enrolled in the electronic statement and they told me that this is indicated in the statement. I did n't read this.     I told them this is not acceptable and I am a person who does n't buy with interest because of my belief. This is a rule in my life. And they have fooled me. I offered them to pay the entire balance only if they take-off the interest charged, but they denied.     I came back to the bank and they kept saying there is nothing that can they do with me. And they have offered me {$25.00} credit. I refused to take them, because I am not begging for money, I was asking to get back my right and not to be fooled.     My Name :  XXXX   XXXX   XXXX  My Account # with Synchrony bank is :  XXXX  My Email is :  XXXX  XXXX  XXXX  My Phone Number is :  XXXX   XXXX   XXXX  Address :  XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX  FL

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 monetary relief
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
An account XXXX # XXXX that the XXXX has been over 7-8 years is still listed on my personal credit file. Please remove as there is a statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XXXX of XXXX I received a summons to appear in court for Statewide credit Association about medical bills they were trying to collect. So XXXX/XXXX/XXXX I made contact with XXXX with Statewide credit to set up a payment plain because there were multiple accounts ( 6 accounts ). As I was taking to XXXX I explain I would like to be able to say which account that the payments were going to and that when the accounts was paid it either came off my credit report or showed paid in full. XXXX starting getting upset and explained to me that it could not happen that way the accounts had all been put in to one large account and until the entire account was paid nothing would come of my credit report or showed paid. Not knowing my rights I made the first payment. When I got home that night I started researching and find that Statewide had violated my rights by not applying the payment to the account I wanted. That night I wrote a letter to Statewide telling them that I wanted the payment applied to account XXXX which would leave a balance on that account of XXXX. So on my next payment on XXXX/XXXX/XXXX I sent a letter saying I want the payment to go to account XXXX which would pay this account off with a balance on the payment of to be applied to account number XXXX. I made two more payments on XXXX and XXXX both to go to account XXXX. I had not heard anything from Statewide and the account that I paid off was still on my credit. So I stated to call the original creditors on XXXX/XXXX/XXXX I made a payment to XXXX XXXX XXXX for XXXX pay off that account ( account # XXXX ) and called XXXX XXXX XXXX XXXX XXXX XXXX and paid XXXX paying off this account ( XXXX ) I sent a letter with the receipts to Statewide credit and explained those accounts were paid in full and would like that to reflex on my credit report. on XXXX/XXXX/XXXX I received a summons to appear in court for a garnishment for now payment for these accounts. On XXXX/XXXX/XXXX I paid XXXX to XXXX XXXX XXXX and sent a letter to Statewide explaining the account ( XXXX ) was paid in full and sent a receipt showing these they are still trying to collect on accounts that have been paid and the account are list individual and listed as one large account on my credit report. I just want someone to hold them accountable for there action. I was try to get a new home when all this came up and having the accounts listed more then once and them not letting me pay the account and them remove or showed paid on my credit has hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
An open collections account is listed on my Equifax credit report ( Listed as a number XXXX - XXXX XXXX XXXX XXXX ), but this account was paid in full ( {$140.00} ) to the original creditor, XXXX XXXX and XXXX - XXXX ( see attached bank statement section. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: BANK OF THE WEST
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle

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