BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative who noted my account that I am severely injured and have no current income. I made a smaller payment in earnest to show that I am still trying to keep my account in good standing. I was told to contact them again in 2 weeks with an update on status. Since then they have contacted me daily demanding payment. I have submit a complaint through their system, but the harassment continues. Today ( XX/XX/XXXX ) they even threatened to " keep calling '' until the debt was settled. Furthermore the amount they are requiring me to pay overall is almost double what the agreement stated at the dealership was. I have been paying on time for over 2 years, totaling upwards of {$6500.00}, and when I requested to know how much more was left they gave me a number over {$6000.00}. The car is a XXXX. This is overall four times what the car 's value is. It almost three times the value of when I purchased it.

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: 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, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquires

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 2021-12-31
Company: CITIBANK, N.A.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was the victim of fraud by a company named XXXX XXXX who misrepresented their products and failed to provide me with a receipt. XXXX refused to let me not accept shipment of their products and charged me {$4900.00} on XX/XX/21. I had contacted XXXX XXXXXXXX on XX/XX/21 and they returned the box to XXXX that had been dropped off for shipping. XXXX then proceeded to send another box for shipment. This purchase occurred at a Trade show in XXXX XXXX. In talking with the Trade Show Sponsor, XXXX, I also learned that this company had misrepresented themselves as to the products they were representing at the show. They had tole the show sponsor that they would be displaying outdoor products at their booth, not cosmetics. I contacted Citibank Creditcards and filed a dispute. Initially, Citibank reversed the charge. I also contacted my attorney about the transaction and he explained that this is a common scam and it is fraud. I wrote Citi to provide them additional information regarding the transaction. The bank decided to side with the merchant saying that the merchant would not cooperate and the charge was returned to my account in XXXX. 
I have, subsequently, had my care re-issued in order to avoid and future potential charges by this company.

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 2015-06-03
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house is under contract to be sold. I requested a payoff statement from Seterus Inc back on XXXX XXXX. As of XXXX XXXX that payoff statement has not been provided because they had a " system upgrade '' back in XXXX and are months behind. According to the CFPB website, lenders are supposed to provide a payoff within 7 days. Please help me meet my contractual obligation by assisting me in getting a payoff statement. 
I was also made aware that this lender is supposed to provide a statement showing my payment and how it 's being applied. It 's been YEARS since I received a statement from Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
I allowed my son 's girlfriend to use my social number to get her vehicle fixed. She got a loan from  XXXX   XXXX  and took out a loan for  XXXX  and said she would pay it back.   XXXX   XXXX   will not give me any paper work on this account and they said they are a paperless company and will not send out paper work, I have no paper on this loan. Do not know what was done to her vehicle or what the amount of the repair cost.

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 2016-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like this tax lien that was filed XXXX, Case # XXXX to be removed from my credit report. This information has not been verified and it has been removed from the other XXXX bureaus ( XXXX XXXX and XXXX ). In my defense, Equifax Information Services LLC has agreed to settle a class-action lawsuit that accused the company of violating the Fair Credit Reporting Act ( FCRA ) by providing consumer credit reports that did not properly identify the source of public record information. Equifax never actually retrieves public records from courthouses or government offices, but instead collects the information from private businesses. 
However, it has agreed to settle the FCRA class action lawsuit to avoid the expense and uncertainty of continued litigation. I would like the tax lien removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have Public records listed on my credit reports that are inaccurate and incomplete such as JUDGEMENTS. The federal law requires that the credit agency provide mechanisms to ensure that each item on my credit report belongs to me and is accurate. I have requested from the credit agency Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate these Judgements and they have failed me only to return stating it has been verified with no substantiation. I have received a letter from the court stating they do not reporting to the consumer reporting agencies but yet the credit reporting agency is saying they have verified it with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a new account from XXXX XXXX and wrote a check to a contractor that was refused by BB & T and then made a wire to resolve the funding delay from the check. 

The funds were withdrawn from my account but they werent released to the recipient, instead his entire account was frozen for at least a week and he was charged fees to launch an investigation. My contractor is now being forced to pay out of his own savings for paint and materials. 

The bank is holding his funds and account XXXX and refusing to resolve the 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 2015-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a XXXX XXXX checking account and brokerage account for more than one year, and no credit card account or loan at all. On XXXX XXXX, when I check my Equifax report, I see a hard pull by XXXX XXXX. I did n't do any account application at all. They pulled my report without my awareness!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: PHH Mortgage Services Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Rocket Mortgage, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Quicken L oans sent me offers for a refinance loan product after I submitted promotional opt-out information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I obtained my credit report and discovered multiple errors. I send a letter to XXXX stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2017was signed for. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/2017 and it was signed for, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not provide any documentation to me as verification. I mailed my third letter on XX/XX/2017 and it was signed for and still the same answer. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Multiple hard credit inquiries from various institutions i.e. XXXX over past two months requesting various forms of credit lines with fraudulent information impacting my credit scores. Contacted CRA 's and placed a 90 day freeze on my reportXXXX and XXXX immediately confirmed freeze ( written ) and removed fraudulent inquiries. Conversations were had with the fraud departments at XXXX XXXX and XXXX Bank and informed that no request was made for any lines of credit. Alerts per those conversations were added via their internal processes. The paramount concern is subsequent to the freeze, another hard inquiry by a company XXXX, also fraudulent, via Equifax is showing. No confirmation has been received from Equifax as with the other XXXX CRA 's on correction to the fraudulent inquiries either. After hours trying to determine the status the only response is " freeze has been placed ''. This may be due to their internal process/turnaround time but my concern is after the freeze another hard inquiry shows?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: CA
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 contacted numerous time my credit report agency and every time they would ditch me and give me an XXXX excuse and couldnt resolve my situation and I told him that I have not authorized all these new inquiries on my credit report please I need someone to help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due Diligence from Equifax was not performed on my credit report related to XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : - Close the unauthorized account - Remove any charges on the unauthorized account, and - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, XXXX and Transunion. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX  is still reporting this fraudulent information to my XXXX and Transunion Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

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 2016-07-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has not removed fraudulent information on my credit report, even though it has been reported over 60 days ago. 
XXXX ( XXXX XXXX is not the problem ) sent the first request to delete the information on XXXX XXXX, the AUD control number was XXXX. 
XXXX XXXX sent the SECOND request on XXXX XXXX, and the AUD control number was XXXX. 

I am unable to dispute the process through Equifax 's own website as they still have inaccurate account verification questions, which prevents me from accessing my credit report. Any other method of communicating with them officially is beyond me as I have limited transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Equifax is not reporting my credit history. I have asked them to run my information so that my credit history will show ; however they ca n't seem to update but one thing at a time. There have been several issues on my credit report with equifax and it is effecting my life ; as most run the equifax credit bureau. I have spent well over a month trying to get everything corrected. I am attaching a full credit report and I want equifax to get my information right. What do I need to do?? See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX

Company response to consumer: Closed with explanation