BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: Exeter Finance Corp.
State: WI
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:
The remaining balance with Exeter finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XX/XX/XXXX and XX/XX/XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.

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 2016-10-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Credit bureau is in direct violation of FCRA AND FDCPA.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXXXX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

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 2021-01-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Im filing a complaint against Equifax about the information being reported on my credit file. 

I reviewed a copy of my credit report and XXXXXX/XX/XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I have asked Equifax to Please contact XX/XX/XXXX and XXXX XXXX to investigate such an occurrence. 

I have requested four written updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Also, as part of their investigation, I asked Equifax to please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

I have told them several times My name is : XXXX XXXX XXXX NOT XXXX XXXX XXXX and have asked several times to remove it. ( REMOVE IMMEDIATELY ) Equifax Also has known as XXXX XXXX XXXX and XXXX XXXX XXXX I have asked several times to Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses Reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XX/XX/XXXX GA XXXX ( REMOVE IMMEDIATELY ) I have asked several times to update My Current Employer is XX/XX/XXXX ( since XXXX XXXX and please update my file to reflect my current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: VA
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:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

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 2022-03-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I reached out to XXXXEquifax to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a credit card with HSBC. Their advertisement even today on XX/XX/XXXX on their web site stating " Rewards with no limit or expiration ''. All my points worth {$910.00} as of XX/XX/XXXX are no longer there. I want the money back. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my credit reports that I do not recognize.

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 2021-01-02
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/2020 I contacted Lending Club and asked for assistance with my payment as I had recently incurred additional expenses and I need their help. They offered to reduce my payments for 2 months. I was concerned this would negatively affect my rating with them. The representative assisting me assured me there would not be a negative rating with them nor would it report late to the credit bureaus so long as I paid my modified payments on time. I authorized them to take a payment from my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Approximately two weeks later I received a call from Lending Club advising me that due to a system error on their part, my payment on XX/XX/XXXX did not process. I asked them if this would reflect negatively on my account and they assured me it would not. I asked them to process the payment that day and again on XX/XX/XXXX. Approximately 1 week later, I received another call from them saying once again, due to a system error, my last payment did not process. But they were going to process two payments ( very inconvenient for me ) and they identified the problem on their end and it would not happen again. The rep repeatedly reassured me everything would be back dated and there would be no negative reporting to the bureaus. Despite their repeated reassurance that there wouldn't be any negative reporting, I received an alert from XXXX that my Lending Club account was now 30 days past due!! I have spent the last two weeks trying to get a Supervisor to call me so I can get this issue resolved, and no one has called me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt was sold several times in attempt to collect. This violates my privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-25
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Reliant Capital Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received notification that this debt collector company Reliant placed a collection under my name for a school I've never attended. I have not attended any colleges in my entire life. I would like for this derogatory information to be removed immediately. This company has failed to provide me with the following information to prove this account belongs to me. Application with my name, date, hours attended, classes, etc to show I was attending this school. They are breaking the FCRA law and I demand this debt be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Advanced Resolution Services Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent Advanced Resolution Services ( XXXXRS ), INC. an email requesting that they provide documents of information they used to verify an alleged bankruptcy. 

On XX/XX/XXXX, ARS responded stating that the information was verified by XXXX on XX/XX/XXXX and provided a voluntary petition from the United States Bankruptcy Court obtained from PACER. 

On XX/XX/XXXX, I replied to ARS noting that Public Access to Court Electronic Records ( PACER ) is an electronic public access service of the United States Federal Courts and is not considered a verification tool/resource as verification/validation must come from the original. 

On XX/XX/XXXX, ARS replied with the same response from XX/XX/XXXX and included the voluntary petition form obtained from PACER. 

I've requested that ARS remove the bankruptcy from my file if they are unable to verify the alleged bankruptcy noting that PACER is a for profit agency and can not be used to verify bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Chase bank ohio applay Credit Cards. Chase freedom in the Bank and online. 2 years ago XXXX XXXX. NO PERSONAL CHECKING AND SAVINGS. ONLY CHASE LIQUID. FOR THIS CARD PAID FEES. XXXX XXXX 3 MONTH AGO NO CHECK ACCOUNT PAID YOURS RENT FOR MONEY ORDER. WHY?. THE XXXX REPORT INJURY IN MY CREDIT SCORE.WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have about XXXX different federal student loan accounts being managed by Nelnet. Each of these loan accounts is a different agreement with a different interest rate. For about 6 months, I have been making payments for more than the minimum required amount. With the amount that is in excess of the required, Nelnet has not been applying these funds to the loan account with highest interest rate to help me pay down my faster. They have instead been distributing it across all the loans, some with significantly lower interest rate than others. This practice is not in the best interest of the students. Why would a student want to pay down a loan that has interest rate 5 %, before paying down a loan with interest rate of 8 %? 

As is the law and practice of a credit card company, the balance bucket with highest interest rate must have payment funds applied first. If a credit card company is obligated to do what is in the consumers best interest, with respect to repayment allocation, the government and student loan services should also be obligated to do what is in the students best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Received phone call at my place of employment from collector, I requested that they no longer call me at my place of employment and they have continued to do so. They have also threatened legal action regarding my debt and initially refused to provide verification of the debt by mail. They have called repeatedly, sometimes as many as two or three times in a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking and savings account with Alliant Credit Union. Once my card came in the mail I attempted to activate it. I came to realize my account was restricted and " under review ''. 

Alliant verified my identity when they opened my account and I haven't been able to add money to account so there is no suspicious activity on the account. This makes no sense, I have a XXXX XXXX credit score and I also applied for a credit card, I can not open the secured decision letter online because the online banking is also restricted. 

I feel like I'm being discriminated against for age and race, if Alliant is a Fair Opportunity Lender then they should treat me as such.

Company response to consumer: Closed with explanation