BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: AZ
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 have not received a response from the credit bureaus despite several letters, nor have I noticed any modifications to my report. The bad items I've been contesting remain on my credit record. This is obviously a violation of federal law. Credit reporting agencies are required by FCRA 605b to remove/block any accounts included on an identity theft report. I've attached some documents to help with the blocking of the incorrect information on my report. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}

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 2022-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My Auto Loan was sold to Capital One Auto XXXX where they refuse to allow me to make extra payments beyond 12 months, I have always make my auto monthly payment with interest and prinicipal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Consolidated Recovery Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: OK
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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$38000.00} Status Open.

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 2022-07-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I'm receiving emails from a bank called Truist Bank that somebody opened a account with them using my name and even made a User ID with this online banking company on XX/XX/22. I'm in no way affiliated or even opened anything with this banking company I believe somebody is using my identity again for some apparent reason.I tried to call them but they wanted the account number for the bank account and my social security number, I didn't feel comfortable giving them my SSN and of course I wouldn't know the account number because I didn't open 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX ACCOUNT NUMBER : XXXX An unauthorized car loan was made in my name without my consent on or around XXXX of XXXX. I was recently notified through XXXX that a DATA BREACH including my information had been used, This is unfair and unduly for it to remain on my credit report and I would like it Removed 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 2017-09-05
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I closed an account with XXXX. I paid all monies due and returned all equipment to the company. XXXX then sent my account to collections with out notifying me. I informed the collections agency that all monies were paid. in XX/XX/XXXX diversified consultants put on my credit an collection for XX/XX/XXXX. this information inaccurate for two reasons 1. the account is paid in full. 2. the account was charged off in XX/XX/XXXX. the FCRA sec 623 says that an company has 30 to notify me before putting anything in regards to my character on any consumer reporting agency. to report a new account on an old debt is also against FCRA. diversified consultants, during our conversation explained that they knew the account was was closed in XX/XX/XXXX and charged off, however still reported it as a fresh debt, a significant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Complete in XX/XX/XXXX I asked for trans union or XXXX  XXXX XXXX to review the obvious error being the Open date Of a loan starting 16 months before the bank ever started to show payments. Every account I had with them they manipulated by showing I paid them off before a year even though thats impossible as I have proof of what I paid monthly so by them doing that they are hurting my credit beyond bad because none of those perfect payment loans are showing to my report correctly. I see how I lose but not sure how they win by doing it but its clear as day in the closed accounts section. Look at open and closed dates.

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 2021-04-14
Company: Upgrade, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received many pre-approval offers from this company so I decided to apply to increase my already credit score of XXXX, On XX/XX/2021, I applied on-line and received a pre-approval for {$7500.00}. It asked me to upload a driver 's license ; front and back and a headshot. However, I could not do so from my computer using my iphone so I called customer service for their assistance. They told me that I could email those documents and use my landline number for identification as my new cell phone number was not on file. No problem! Upon request, I supplied my last 4 of my SSN, birthdate and full name before any discussion began. 

It became necessary to upgrade my XXXX because it had no available storage and was malfunctioning so I ordered a new XXXX XXXX which was received on XX/XX/2021 and I submitted requested documents as stated above. 

On XXXX, XXXXXX/XX/XXXX, a call was received by their agent on my landline to inform me that my application was being declined because my cell phone number on file does not match the cell phone number on my credit report. I was completely taken aback. Before our conversation proceeded, I provided my full name, last 4 numbers of my SSN and birthdate. I already have a consolidation loan with them which is in good standing. I informed her that she just called me on my landline. I was pre-approved based on my credit score and income. What is really going on here? It seems as soon as they see my picture ID of a XXXX woman, everything changes. But, I wanted to give them the benefit of the doubt, so I logged on to XXXX XXXX and changed my cell phone number on record and reapplied that date ; XX/XX/2021. I spoke to a consultant named XXXX over the phone after I sent documents to make sure they were received and asked if my phone number situation was a problem and she replied I don't see anything wrong with your phone numbers. I said " Thank you '' and we hung up the phone. 

On XX/XX/2021, I called because I had not heard anything from them about the new application of XX/XX/2021. I was switched around, treated disrespectfully by one consultant in particular and, after waiting at each station at least 15 minutes on hold, I was finally told that I am being declined again because of my cell phone number. 

I reminded them again that I already have a loan with you in good standing, I have a XXXX credit score, I have stable retirement income, I sent appropriate up to date identification to include facial and, every time I speak with anyone, I am able to provide my last 4 of my SSN, date of birth and full name, etc. You contacted me last time on my landline so you know who I am and I have been identified in every way possible. It seems my photos are what changes things from pre-approval to declined. Please look into this for me please! I feel I am being discriminated against because of my race.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to BANK OF AMERICA to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either BANK OF AMERICA or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Upgrade, Inc.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Despite asking many times Upgrade Inc doesn't give a schedule of fees and charges on its website or on request. A customer service reached out to me promising a document ( since they don't even have one readily available at their end ) but they never followed through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I disputed one of the accounts on my credit ( XXXX ) but they went and disputed the wrong account XXXX XXXXXXXX XXXX XXXX. Now my credit reporting is not showing my XXXX XXXX  credit card, my balance, my payment history or anything else about the account. I contacted them and told them about this but my credit reporting it still not showing any information about my XXXX XXXX  credit card. The account shows correctly on other credit bureaus

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 2022-02-13
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-06-22
Company: LTD Financial Services, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LTD financial services responded to a previous complaint with regards to their failure to validate a debt. In the response they claim to have updated my account reflecting that I have asked for validation. In the response however, the Refer to a XXXX XXXX. Neither I nor my wife 's name are XXXX XXXX. I am XXXX XXXX, and my wife 's name is XXXX XXXX in the complaint. Our complaint is not resolved. This is unacceptable. I would like to avoid seeking legal recourse. Validate the Claim of XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new Choice Checking account through HSBC 's web site link that offered me a {$200.00} bonus if I deposited {$1500.00} within 30 days and keep minimum balance of {$1500.00} for 90 days. Since I had an existing old account from years past with a balance of {$.00}, I contacted HSBC customer service through the Chat option on their website. I was told ( have copy of the Chat ) that the rep would close the old account and I could proceed with opening the new account and I would qualify for the {$200.00} bonus. So I did exactly what the Chat representative told me to do. It has been over 4 months since I deposited the {$1500.00} in the new Choice checking account. I have opened 2 cases with customer support on this issue and the last case is # XXXX opened on XX/XX/2019. Each time they ask for additional information which I give them but they close the case without contacting me or asking for any other information like a copy of the Chat which supports my claim. I believe they are intentionally trying to defraud me and not honor the {$200.00} bonus commitment they made to me. Today I requested a transfer of my balance to another financial institution and will proceed to close the account once the transfer has completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
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 learned about the Equifax data breach on the morning of Friday, XXXX XXXX, 2017 and immediately accessed the Equifax website launched for this incident, www.equifaxsecurity2017.com, to find more information. Unfortunately, when trying to find information on my status, if I had been affected, Equifax stated that 'I may have been affected ' and instead tried to make me enroll in a 'complimentary ' XXXX security protection service to find out. After reviewing the terms and conditions, XXXX XXXX XXXX I concluded that by enrolling in the XXXX program, Equifax would not be liable if there were any indiscretions on their behalf that would affect me.
Upon learning this, I called the Equifax Response Line at ( XXXX ) XXXX at XXXX  EST. I was prompted to wait on hold for 20 minutes " for questions about the incident ''. I was finally connected with a representative who did not give their name and who did not ask for mine either. When asked how I can find out if I could they could disclose information about my status with their data breach, the representative then tried to enroll me in XXXX - without answering my question. When asked if there was another way I could find more information on this matter, the representative stated, " I do n't even have a manager you could speak with, I 'm just here to enroll people. '' It is incredibly irresponsible and abusive of Equifax to not only deny consumers the right to know the status of their personal information but to also try to exempt themselves as a company from being liable for a breach they are ultimately responsible for. Consumers should not have to sign away their right to respond to security negligence just to access their own information.
Finally, as I was writing this complaint, I tried to call the Equifax Response Line at ( XXXX ) XXXX in hopes of getting more information but was hung up on while on hold - not once, but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: FORD MOTOR CREDIT CO.
State: NC
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 had an auto loan with Ford XXXX for several years ( XXXX ). I paid this loan off in XXXX. I recently pulled my credit and realized that Ford is reporting several XXXX and 90 day late payments when this is not the case. I had one incident in XXXX when I had restructured my loan as I knew there was a job loss and was approved for this. I was told the car payment would not be reported late during this time. I contacted ford and received a print out of all payments including days late etc. This print-off shows XXXX payments with 30 day late payments. I inquired with Ford multiple times to fix this and was directed to go through a credit dispute process. I have disputed this and Ford will not correct. I have been stuck in a circle with no resolution and a suffering credit report that is preventing me from getting fair rates in general, but most importantly, a home loan. The mortgage rates have now raised while I deal with this issue and, as a result, we will experience a MUCH higher mortgage payment. This has impacted me in several ways and I'm very frustrated that Ford will not do accurate reporting and has tasked the consumer with fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Navient Solutions, LLC.
State: MO
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: Investigation took more than 30 days

Complaint:
I'm being charged for a Student Loan that does not belong to me. And have tried to resolve this matter, than to make things worse with all the research I been doing the company has been running a Scam. I need the student loan to be removed from my credit account from all 3 credit bureau. XXXX, XXXX XXXX XXXX I can't believe that this company has ruined me they have me down on XXXX student loans how could this company do that to me. I need this to be resolved immediately. 

NAVIENT XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ) {$17000.00} XXXX ) {$9300.00} XXXX ) {$7800.00} XXXX ) {$3400.00} XXXX ) {$3300.00} XXXX ) {$3200.00} XXXX ) {$2100.00} It Totals the Amount of {$47000.00}

Company response to consumer: Closed with explanation