BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: EQUIFAX, INC.
State: ME
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:
This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Brightfunders, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have suffered a horrible experience. 
XXXX. I had to sign for title twice XXXX. The delay resulted in a higher rate XXXX. I still do not have access to my funds XXXX. I paid exorbitant and predatory fees for a prime loan XXXX. Poor response times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Checked credit and saw an account from Merchants Adjustment Service for XXXX XXXX  XXXX  in the amount of {$120.00}. I never received any correspondence about this debt. I was a homeless vagrant for a few years with no medical insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CarFinance Capital LLC, Irvine, CA Branch
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 2017-06-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Experian Information Solutions 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 a account reporting from  XXXX   XXXX  on my Experian  Credit File . I have written/called them several times asking for written verification of this account and each time all they say is the account is verified but they wont tell me how it was verified and have not provided me with anything in writing.

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 2021-11-12
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unsolicited FHA refinance offer is misleading/deceptive! Major point is they focus on payment savings vs my current loan but never bring into the offer the cost of the UFMIP or the monthly cost of .80 MIP which significantly reduces the forecasted savings. If I were not a mortgage professioanal I would not have been able to see this, and I wonder how many consumers do fall for this. One last point, my rate is not 3.75 % but 3.625 % and I do not have any PMI/MI on my current loan. By adding FHA monthly MI to the {$290000.00} base mortgage the cost of {$190.00} reduces the forecasted monthly savings to only {$73.00}. However, by adding the UPMIP the final savings are even less. Deceptive and misleading advertising like this needs to be stopped. I did not apply, nor call them, as they simply omitted the impact of FHA insurance in their analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX contacted me after I sent them a cease and desist about an invalidated debt. They made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Checked credit and saw an account from JPMorgan Chase in the amount of $ XXXX. I couldnt get any help with payment deferment or discharged due to undue hardship. I was a homeless vagrant for a few years with no job. Im currently living in between my mom and a shelter. Im also back in school as a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On   XXXX   XXXX   XXXX   I filed a complaint on   XXXX   XXXX  . The company has refused to verify and information regarding a debt that is claimed to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information. One rep advised me that   XXXX   XXXX    can electronically share any balance to the credit bureaus and I should stol calling because they can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just " suck it up and pay it, even if its not yours '' i have attempted to get assistance from all three credit reporting sgencies. Transunion,  XXXX , and  XXXX  however I have not received a resolution.   XXXX   XXXX   has not reaponded to a complaint submitted on   XXXX   XXXX   and they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 2017-06-27
Company: KEYCORP
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Received a letter from KeyBank letting me know that my XXXX or overdraft line was being closed because of ownership difference between my checking account tied to the Overdraft line. Line has been in effect since XX/XX/XXXX pre-marriage as a sole acct. I added my husband to my checking account two years ago. Received the letter in XX/XX/XXXX. Went into the bank to open a second checking account only in my name to then tie the overdraft line to solve the ownership difference issue. I opened the checking account and then was later told that the existing XXXX overdraft lines are a product going away and wo n't be replace. So the letter misled me to believe that ownership of the line and checking acct was the reason for the closing of the line but that was a lie. Then the RM has me reapply for a preferred line of credit to be tied to my checking acct. Note this product is more expensive that the previous overdraft line I had which was closed because the bank discontinued the product. Completely deceptive sales tactics and should be reprimanded. Unethical by drawing in clients by closing lower cost products and then telling them to apply for a higher cost product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The company continues to harass me about debts I have paid to the companies about enhanced recovery company does n't have a bond to collect a debt in the state of Texas. I would like this removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX  XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
HIPPA

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 2021-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
hello, my name is  XXXX   XXXX  and it is regarding a BMW account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agenci es ) .   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: NV
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 are not my accounts. Please remove them 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 non-monetary relief
Consumer complaint received 2020-02-29
Company: SYNCHRONY FINANCIAL
State: AR
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 disputed this problem with XXXX  since 2019 then in XXXX other Hard Pull from Pay -Pal credit i have disputed it several times and i have Pay -Pal credit and ever time they say we send letter and have it deleted and mark it as Fraud well all of it was lie all my letters all my calls was for nothing MY last call i was to point, well i was to point .The rep got on he was smart moth young kid and i was not in mood but i didn't say nothing back i ask are you i Fraud dept he said no i said then i need to talk to someone in the Fraud dept he said you like that i said i would since you don't nothing but answer the phone .The rep said i just do that i said then do it the Rep made a mistake and hit the button and connected me Synchrony Bank i ask are you Pay-Pal credit she no i am Synchrony Bank can you fix my problem since i connect somehow she said yes XXXX, And i never told her my name? She XXXX i am really sorry for all this i really am. i ask what can you do because all i have got is lies she said i no XXXX she said but i can fix it i will delete it and all the files it take about two weeks to run threw the system and XXXX please forgive me i am truly sorry, I ask he how this happen she said you woulde n't understand XXXX Okay but i am sorry i said let me guess she said i got to go XXXX i said give minute this account was never opened by me i no that she said i no But who did XXXX you wouldn't understand. I said let me guess Pay-Pal credit opened it in my name and your bank allowed she YES XXXX i got to go what you your name since you no mine and you sound like they more to this XXXX i no you i said don't worry about that what your name she said XXXX and XXXX i got to go. that was end? little strange to me. So i looked and looked for name at Synchrony Bank at it was hard to find she not rep she works in the vise president in litigation 's and i wonder how come she was talking in room in low voice and it was her middle name, Pay-Pal is opening Fraudulent accounts using people Social Security Numbers they did this before, my guess to his taxes, assets and so on millions of people will be hurt for years to come and i am

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 2022-09-13
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To all parties concerned at the CFPB, FTC, and office of XXXX Attorney General XXXX XXXX, On XX/XX/2022 at XXXX I arrived for an appointment to extend my credit in good faith to XXXX BMW XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXX XXXX for a BMW XXXX XXXX where I was assisted by client advisor XXXX XXXX XXXX 

Initially she was very helpful but grew increasingly impatient, dismissive, and unresponsive as I continued to ask questions so I can fully understand the process. Her lack of attentiveness compromised my ability to make a well informed decision as she began to handle business unrelated to this consumer credit transaction. Talking on her phone, texting, and using the computer only to walk away returning after XXXX mins to photo copy my license and walk off again. At or about XXXX I was approached and escorted out by sales manager XXXX XXXX XXXX He handed me a decline notification and said there is nothing he can do, not even request reconsideration or a counter offer on my behalf. That is in fact a violation of 15 USC 1611. 

As a consumer I dont understand how or why I was denied an extension of my own credit after my card ending in XXXX was processed initiating the transaction. The justification of BMW Group Financial Services adverse action feels like Im not only being discriminated against but my right to privacy is being violated. 

I was forced to leave ( after my credit card was used that I received no benefit from ) XXXX XXXX XXXX XXXX XXXX XXXX Such ignominy actually made me cry while walking away making me feel weak and taken advantage of. 

Much of what I experienced on this day are various violations punishable by law pursuant to United States Code title 15 chapter 41. 

As a qualified applicant and valued consumer in good faith thank you for allowing me to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Commonwealth Financial Systems, 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:
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. 

According to the Fair Credit Reporting Act, you have the right to report any mistakes to the agency that supplied the report that contains the false information, and that agency is required to look into the mistake. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. 


I have requested a dispute with all XXXX bureaus and their response was Account information was disputed by the consumer, and meets FCRA requirements. On another note this is not my account it belongs to someone else so now this goes into a HIPPA situation correct? Incorrect personal identifying information this is when the name and address given to a creditor belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: AMERICAN EXPRESS COMPANY
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:
Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized Amex inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit

Company response to consumer: Closed with explanation