BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: AZ
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:
XXXX accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am getting collection efforts from a company named National Credit Systems , Inc . I do not have any business contracts with this company. They are trying to collect on behalf of a different which I do have business with. However National Credit Systems has been incapable of validating the debt. They can not produce written agreement by me allowing them to report any accounts on my credit reports on behalf of this company. They have failed to produce verification that they can collect on behalf of XXXX. They have failed to produce proof that they are licensed to collect in the state of Georgia. Again, I have never signed any agreement with this company regarding XXXX, nor given them authorization to report anything on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
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:
ALLY FINCL company is currently showing 30 days late ( XXXX and XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( ALLY FINCL 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you

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 2021-07-10
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: U.S. BANCORP
State: MA
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:
When redeeming {$570.00} in points on my Fidelity Investments XXXX  credit card, I accidentally hit the wrong key when I was online. I wanted to have the rewards dollars credited to my brokerage account at Fidelity but instead I hit another key that said statement credit which resulted in a XXXX % reduction to XXXX which was credited against my credit card balance. The result was a loss of {$280.00} to me. 
I immediately called Fidelity ( like 10 minutes after I made the mistake ) and was transferred to Elan Financial which handles the cards for Fidelity. I talked to 3 people at Elan, all said nothing could be done. I recently got a letter from XXXX services that said nothing could be done. I believe Elan is owned by US Bank. 

I feel that this is totally unfair. It was a simple bookkeeping adjustment that could have fixed this issue, instead it was an easy way to treat the consumer poorly and grab the money. Especially when dealing with a senior citizen.

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 2017-10-27
Company: Regional Management Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was receiving constant calls from their company even after I made arrangements to pay. In addition they called by XXXX of my family members in XXXX day ( my parents homes and they are elderly and my husbands place of employment and left messages with both. XXXX of the calls made on the same day was at my spouses place of employment where they left a message as well. Harrassment They had a good contact number for me and actually spoke with me. They intintially damaged my credit because of this dispute. I have legal counsel on retainer for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Kikoff Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
A loan for {$120.00} that I did not apply for was opened up in my name on XX/XX/2022 Creditor Information KIKOFF LENDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: TCF NATIONAL BANK
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I took a loan for XXXX on XX/XX/XXXX always paid on the XXXX of each month. i asked for a deferred payments for 2 month for XX/XX/XXXX and XX/XX/XXXX i was granted these 2 extension. I was told my next payment was not until XX/XX/XXXX. Well in the meantime i have been harassed by XXXX XXXX XXXX in California and have disgusting at making me pay on the XXXX of each month and they put on my credit report i was behind i get paid on the XXXX of each month as i am on XXXX income, I was told by XXXX XXXX XXXX at XXXX and told me to dispute this case because it is not my fault, because they lost or threw out my paperwork. Please help me get my credit and report corrected as my score went from XXXX to XXXX because of this disgusting mistake. Please call me at XXXX. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX harassment to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and Experian have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.

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 2021-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. On XXXX XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 
2. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were offered a Forebearance agreement, as my wife lost her employment due to Covid and I am on an altered salary from a XXXX XXXX XXXX Our Forebearance ended effective XX/XX/2022. My wife had just received employment XX/XX/2022 and we were prepared to resume making our house payments. But our mortgager stated we are only eligible for complete immediate payment, in deed of liu, short sale and foreclosure. During the forebearance it was never stipulated that we needed to pay {$55000.00} all at once. I explained that if our family had such funds, we would've paid regularly? 
I attempted to apply for the Mortgage Assistance program, but we were denied based off my wife 's XXXX which is brand new income vs the loss of income from Covid for a year and a half which affected our ability to pay our mortgage. I am appealing both decisions, but foreclosure is rapidly approaching and I have been working on this for several months, pleading and praying for a positive result, but yet yielding nothing. 
We feel alone and abandoned as we have just gotten to a good financial place, and no entity is willing to help.

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 2019-07-24
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My address changed and this debt/bill was never sent to the correct address. 

I have attempted to pay it and have the incorrect collection removed but the company refuses to do so even though I was never notified of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: ERC
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: Old information reappears or never goes away

Complaint:
A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: New Mexico Educational Assistance Foundation
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They are requesting garnishment from my employer with no judgement. Calling my work and leaving messages on a public work phone. Sending faxes into public fax machine. Repeated calls to me and family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one reports that my account is past due ( 30/60 days late ) but I paid my account in full and they told me before I submitted the payment that Im paid in full and that they wont report anything negative on my credit. The representative lied to me over the phone and they refuse to give me the recorded call. It is against federal law to report inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I contacted them on XX/XX/2020. 
About a debt on my credit report. First they read me my rights but never varied my information beyond my name. And started providing my personal information to me. My personal information. Its great to know that anyone who has my name came gain access to my person information with the company. That was one the first. Then the lady I spoke with. Mocked me. Raised her voice to me. And hung up on me when I told her I'd be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, 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:
I had a vehicle with XXXX XXXX XXXX. On XX/XX/XXXX the vehicle was picked up from my residence as agreed between myself and XXXX XXXX ( owner of XXXX XXXX XXXX ). Months passed and I noticed the account remained open with a rolling balance, as if I still had the vehicle and just did not pay each month. I disputed the account with Equifax. I received a document stating " This creditor has verified to our company that this account is reported correctly. This creditor has verified to our company that this account has not been closed. This company has verified that the balance is being reported correctly. '' All of which was incorrect. I confronted Mr. XXXX, he claimed he was not reporting that info, it was Equifax. He provided a letter stating he had possession of the vehicle and the balance was cleared. However, when provided to Equifax I received yet another letter stating as above.After 3 years of disputes, I finally submitted papers to court for the situation. On XX/XX/XXXX Mr. XXXX was served on behalf of XXXX XXXX XXXX. 3 days later my credit report was updated to reflect the information I had disputed for 3 years. A fair and accurate investigation was NOT completed and a blatant violation of my rights have occurred on behalf of Equifax and XXXX XXXX XXXX. Even with documentation showing the possession of the vehicle, letter from Mr. XXXX, License plate surrender form from DMV, etc. Nothing was done to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX  XXXX acc reporting wrong info the open dates are wrong XXXX XXXX XXXX report says closed the other says paid date late XXXX says XX/XX/XXXX the other says XX/XX/XXXX XXXX XXXX Date open XX/XX/XXXX the other XX/XX/XXXX balance XXXX the other says XXXX past due XXXX the other XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX the other XX/XX/XXXXXXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other say XXXX last reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX date of last payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Date open XX/XX/XXXX XX/XX/XXXX high credit XXXX the other XXXX credit limit XXXX XXXX last reported XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX Date of last payment XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!

Company response to consumer: Closed with explanation