BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: AL
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 am trying to clear account errors on my report! These accounts are not mine. Under the 605 B act These accounts should not be reporting. It is illegal! I have submitted this information already and I have informed all three credit reporting agencies that these accounts are not mine. Please Remove them immediately!! XXXX XXXX No knowledge of this account! XXXX XXXX XXXX! No knowledge of this account! XXXX XXXX XXXX No knowledge of this debt! XXXX XXXX-No knowledge of this account! The following inquiries were not authorized! XXXX XXXX XXXX XXXX XXXX Please Remove this information 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 2022-01-28
Company: Experian Information Solutions Inc.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-28
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Spring Oaks Capital, LLC
State: IN
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:
K I did apply card but never used someone else did and now I owe it's not mine stolen or taken and used want removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Nicholas Financial Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern : On Friday XXXX XXXX, 2017, I purchased the vehicle identified in this letter from XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX ( salesman ). I was informed by XXXX in order for my loan to Get Approved I would need to sign all paperwork and add insurance to the vehicle before seeing or test driving the car. My response, I am at work and I can not leave today and his reply, I will come to your job. He arrived with paper work for me to sign and refused my request to make copies. Not to mention he did not drive the XXXX advertise for me to purchase. Also, I explain to him on several occasions I wanted a XXXX and his reply was keep this car 4 months and trade the XXXX in and I will get you a XXXX. Unfortunately, the vehicle has not been satisfactory because of the following : 1. Mileage ( incorrect ) 2. Inspection & Maintenance report? 3. Oil change ( receipt ) 4. Visible damages to the bumper 5. Head-Lights not clear 6. No additional key 7. Blue tooth & CD changer capability 8. Neither Cigarette charger works 9. No working navigation & etc. I was informed by XXXX all the items identified in this letter would be corrected once I purchased the vehicle. On Saturday XXXX XXXX, 2017 at XXXX, I text and called XXXX to return the vehicle. I did not hear back from him until Monday XXXX XXXX, 2017 at XXXX by text that he was in a closing. I have gone to the XXXX location for several weeks and no one is ever there. Finally, XXXX returned my call, stating give me a couple of weeks to make the repairs and you will be satisfied. After two weeks XXXX state, I would have to pay for the repairs. This is not what we agreed too. I reminded him of what he said and his reply sorry you are going to have to pay for it. Wednesday XXXX XXXX, 2017 at XXXX XXXX text XXXX and drove to the office. I disagree with his decision. I should not incur any additional cost due to the following under Alabama Code : Deceptive Trade Practices Title 819 Unlawful Trade Practices8-19-5 False Advertising Under Business & Profession Code False Advertising Title 819 Untrue or Misleading Known or Should Have Known Unfair Business Practice Alabama Code Title 27 Insurance 27-12-18 Alabama Business Compliance ( fiduciary responsibility ) Alabama Code Title 6- Civil Practice 6-11-20 Wrongful Intentional Act Consumer Protection Act Fair Credit Reporting Act I look forward to settling this matter amicably. If, however, the matter is not satisfactory resolved by Friday XXXX XXXX, 2017, I will  consider taking legal action to resolve the matter of fraud and deception through the Department of Commerce, Better Business Bureau and State ( s ) Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Genesis FS Card Services, Inc.
State: WY
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:
In XX/XX/2021 I discovered a fraudulent credit account opened in my name with Genesis Credit out of XXXX XXXX. I contacted this company and they stated an account was opened online and purchased {$4000.00} worth of stuff. I told them I did not open this account or authorize this and asked to speak to there fraud department. Genesis stated they could not connect me to the fraud department as they do not have a phone number. I filed a dispute on my credit report and sent letters to each agency and Genesis credit. XXXX will not remove stating it is accurate information. I have filed with the XXXX  as well. I want this removed from my credit report as I did not open this account. 

I will continue to send letters to the credit bureau and Genesis Credit hoping to have it removed. I do not have this kind of money to pay on something I do not own. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: MS
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

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 2021-04-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My complaint is with Care Credit. On XX/XX/XXXX, I had an outstanding balance of {$5000.00}. {$3100.00} was in " regular interest-accruing purchases '' ( or promotions that have run out and I'm now paying interest on ) and {$680.00}, {$190.00} and {$970.00} are promotional purchases. I investigated where my payments are going and none go to the promotional purchases. I looked up the contract. It specifically states you can decide where your payments are applied. Looking over my history - I see all payment go to the interest earning amounts so none go to the promotional amounts. Therefore, the promotions, for me anyway, have been useless, completely deceptive and have cost me {$100.00} 's if not {$1000.00} 's over the years. I called on XX/XX/XXXX to speak to customer service. First of all, you wait 30-60 minutes to reach someone. Then the person I spoke with could NOT understand, or did not WANT to understand how I wanted my payment to be applied. After much frustration, I asked for a supervisor and he would NOT transfer me. So, I started the process again. Waiting forever on hold then speaking with another man who was VERY understanding. After much discussion, he was going to apply {$140.00} to my {$680.00} promotional purchase, {$25.00} to the {$190.00} promotional purchase and {$170.00} to the {$3100.00} balance He even gave me details stating that I would then owe {$540.00} on the {$680.00} balance and {$170.00} on the {$190.00} balance and {$3000.00} on the {$3100.00} balance. After this payment posted it all went to the {$3100.00} balance. This will mean I never pay of the promotional purchases within their time frame. I called back on XX/XX/XXXX, only to wait again forever, and finally hung up. This is fraudulent behavior and I am willing to fight this to the end. There are a myriad of complaints about this company and nothing has seemingly been done by the XXXX. Care Credit 's website states payments can be applied as desired ( I'm sure it is within some guideline around minimum payments but that is NOT stated, however I paid well above the minimum payment required ). Researching I see that this has always happened with Care Credit on my account. I was very upset for days about this. Their practices are and fraudulent. PLEASE HELP. I WILL NOT SPEND HOURS WITH CUSTOMER SERVICE EACH MONTH TO CALL IN AND EXPLAIN MY DESIRE TO SOMEONE THAT " DOESN'T UNDERSTAND '' OR DOESN'T SPEAK MY LANGUAGE - ONLY TO HAVE THEM COMPLETELY LIE TO ME ONCE I GET SOMEONE THAT SAYS THEY WILL HELP. I will pay this off and never use this card, or any card, associated with Synchrony Bank again.

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 2015-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are XXXX addresses that are listed on my report that do not belong to me, but to my former spouse. They are : XXXX XXXX XXXX XXXX XXXX, XXXX Wa XXXX and XXXX XXXX Wa XXXX. I would like them removed from my credit report. I have never lived at these addresses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

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 2022-06-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with Toyota Financial on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: MS
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020- XX/XX/2020. XXXX  and XXXX XXXX XXXX XXXX both companies run by XXXX Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of COVID-19. I made my payments and they still reported late. I have sent several letters to XXXX, Equifax, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they Jewelers keeps reporting it as not paid. XXXX, equifax, and XXXX  wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with XXXX XXXX on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.

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 2022-01-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a covid forebearance plan and at the end I applied for the differnt options available. After submitting the paperwork at least 3 times I received a letter stating that we qualified for the Covid-19 XXXX XXXX  recovery  advance combo. I received a letter on XX/XX/XXXX making me aware that the payment amount would be $ XXXX Principal and interest {$330.00} Escrow Interest rate 3.100 % I contacted XXXX XXXX on ( there were other dates but I would need to contact my cell company for the info ) XXXX to determine status of my application for relief. I was advised in processing XXXX to determine status of my application for relief. I was advised in processing XXXX Called regarding the letter advising that I qualified for the mortgage recovery combo and to find out what that was. I was told that I would receive paperwork soon that needed to be completed and notarized. Payments would start in XXXX. I asked if I should resume payments and was advised that XXXX and XXXX were already included in the modification paperwork. 
XXXX I contacted because I never the received the paperwork. I was told not to worry and that it would be coming soon. Payment would be {$800.00} starting in XXXX XXXX I contacted because I received a notice that my loan was transferred and the payment would be over {$1000.00}. I spoke to a supervisor at XXXX XXXX  that advised me that although the loan would be transferred it would not be done until I completed the paperwork. I would told it would be sent via fed ex and I would receive a tracking number. Once my husband and I sign all documents and get them notarized ( I was even told a notary would come to my house to do this! ) my loan would go to XXXX XXXX with the same terms. 
XXXX Supervisor from XXXX called me back and advised the loan was transferred and that they didn't have the new payment information. I requested that the previous calls all be pulled and that I be contacted back. I never received another call. 

On multiple occasions I expressed to XXXX XXXX  my concerns on losing my home. I was told over and over not to worry and it wouldn't happen. 

Today I received a notice from XXXX XXXX advising that my loan is due on XX/XX/XXXX in the amount of {$22000.00}. I left a message for this company but did not receive a callback. 

I do have the supporting documentation that can be sent if needed. XXXX did not follow through with the forbearance terms that were set and I am concerned that I will lose my home.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX COMPANY Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-14
Company: CrossCountry Mortgage LLC
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:
Below inquiry do not belong to me. I have no accounts with Cross Country Mortgage  or XXXX XXXX. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : XXXX XXXX  No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I canceled my Internet service with XXXX and physically returned the router to their office location in XXXX XXXX, IL. The account was paid in full, and the agent on the phone and at the store assured me that no money was owed. On or about XX/XX/XXXX, I received a " disconnection notice '' and bill for {$350.00}. I filed a complaint with the XXXX. XXXX responded by stating the matter was resolved and the account reflected a XXXX  balance. XXXX also stated that they reached out to the collections agency ( Convergent Outsourcing ) to delete the collections account on XX/XX/XXXX. However, on the same date, the collections agency added another collections account for the same XXXX account on my credit reports. I received a letter from the collection agency on or about XX/XX/XXXX. They stated in their letter that they did not have this collection file. To compound this matter further, on XX/XX/XXXX, the collections agency added a second collections account to my credit files. There are now TWO instances of collections accounts for the same XXXX account from Convergent Outsourcing. XXXX is not returning my phone calls or emails.

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 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit reporting agency TransUnion has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : 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