BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed two vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York State does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York State law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the XXXX  details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

Company response to consumer: In progress
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX Visa Signature account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX 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 2023-12-17
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday XX/XX/XXXX I received a notification in my phone that a charge for XXXX of {$170.00} was made to my account. I did not make this purchase. I have spoken with XXXX and they do not see this charge on my account. My cards are setup to where if I use any of those cards they will link to my XXXX account. 

I waited until the charge posted and filed a dispute. 

Chime denied my dispute stating the charge is valid. I have asked for proof. Never received. The phone rep hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Conn's, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Conn Appliances Inc {$2700.00} Account opened fraudulently on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I went to open a new bank account at US BANK and was informed I had a checking account charged off account with outstanding balance on XX/XX/2020. I closed this checking account they are referencing in XX/XX/2020 before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on 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 2023-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2023 I was locked out of my Robinhood account. I made seven attempts to regain access to my Robinhood account. All attempts notwithstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 2023-10-13
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase has withheld XXXX XXXX XXXX  that belonged to my XXXXXXXX XXXX XXXX that was left to myself and XXXX XXXX for almost a XXXX. They have repeatedly lied about it and keep dodging the refund any way possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX in XXXX XXXX granted an automatic judgment to these companies that claimed they were collectors for transferred XXXX cards. I filed a motion for discovery and requested information from the companies, they did not respond. I attempted to reschedule the date of the hearing but that was refused. The day of the hearing the company did not show up, when I arrived to court I was told they had to rescheduIe but they did not know immediately when to schedule it for so they did not give the clerk of courts a date, said they would call back. I was never notified of the new date, and when I did not attend, XXXX XXXX ordered a judgment in favor of those companies, in my absence, without acknowledging my filed documents requesting information or desire to be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Paramount Capital Group, Inc.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 Paramount Capital Group voluntarily sent me an email closing my loan ( XXXX ) with them. I did contact Paramount Capital Group via email making sure this account was closed, it was closed and from the reply I received from Paramount Capital Group. XXXX days later on XX/XX/2021 Paramount Capital Group reopened this loan under a new loan number with all XXXX credit reporting agencies claiming that I'm late paying on my loan. I pulled from all XXXX credit agencies. XXXX has a balance of {$1300.00}, XXXX has a balance of {$1200.00}, and XXXX has a balance of {$1200.00} with XXXX late payments. I feel this company is not being professional in their dealings with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : 1. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Equifax. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by equifax rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Equifax to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern.

5. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that Equifax complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly.

I believe that Equifax 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Police Report tells what happened! 
Resurgent took over the account!! 
So I'm responding to the 5 questions resurgent states to reinvestigate for fraud by different departments, and show different documents relating to the subject, unauthorized use and fraud and suspect charged!!!! 
I'm the victim here XXXX XXXX XXXX  by FCRA and CFPB LAWS!!! 
SHOULD HAVE CLOSED THE ACCOUNT AND THEN SENT ME A NEW CARD, WITH MY REFUND ( FDIC )!!! 
BUT INSTEAD, THEY SOLD MY INFORMATION TO LVNV, NOW, RESURGENT, WHEN THEY CHARGED OFF!! 
I DONT OWE XXXX  XXXX XXXX  ANY MONEY!!! 
IM ASKING XXXX  XXXX XXXX, LVNV, AND RESURGENT TO DELETE ANY AND ALL INFORMATION ABOUT ME FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Several XXXX and XXXX charges appeared for at least 2 months on my card. I had my previous phone clonedand a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who very well could hack to do charges. I requested XXXX to stop charging my card however they refused. I reported the fraudulent charges to direct express. They gave me provisional credit then took it back. The money i get on this card is for my XXXX child. There's no reason to take it back as I would neve give permission for my card to be charged like that. In fact the card company should have seen it as suspicious activity and not allowed so many charges in a row. It's quite obvious no one would charge a card like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
MIDLAND CREDIT MANAGEMENT ACCOUNT # XXXX XXXX THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for teacher loan forgiveness. I believe it should have been granted. Then I applied for a forbearance. It was accepted. They then said that I applied for a IDR plan. I did not apply for it, I did a payment calculator. They then changed my plan to an IDR plan. I called and told them that I only wanted the forbearrance for one year and then I could make regular payments. They told me the issue was resolved. XX/XX/XXXX I get an email telling me that I need to resume payments starting in 5 days for the full XXXX dollars a month. I have tried to email and call about the issue and no one is getting back to me. Below is a list of the documentation XXXX Change in Loan Terms Change in Repayment Terms XXXX Your monthly statement is ready Monthly Statement XXXX An in-school deferment has been applied to your account Deferment Request Approved XXXX Change in Loan Terms Change in Repayment Terms XXXX Your IDR plan has been approvedDetails on your newly approved IDR plan XXXX Change in Loan Terms Change in Repayment Terms XXXX Your forbearance has been approved Forbearance Request Approved XXXX Here 's your forbearance form Forbearance Request XXXX TLF Application Denied Teacher Loan Forgiveness Application Denied ( should have been accepted ) XXXX TLF Application DeniedTLF Application Denied - Corrections Needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to access my Nelnet account on the phone and on the website, and I can't log in or get ahold of anyone. I am not even sure if my payment is going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There was a total loss of the car in XX/XX/2023. The insurance company paid the balance off in full in XX/XX/2023, I also made my regular payment in XX/XX/2023. Bridgecrest reported me thirty day late when there was never a payment late over thirty days. My payments were made in full. They also received a refund from my warranty and service package purchased in XX/XX/2023 that they requested and applied towards my principal. I have also requested multiple times if there is a refund due to me and this company refuses to inform me as I know there is, and have not sent me my excess funds due me. They keep telling me to call back. There is a lot of fraudulent activity taking place there. The total loss department you can not even get on the phone. It should not take over 90 days to correct my credit report when it did not take 90 days to mess it up.

Company response to consumer: Closed with explanation