BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
HSBC BANK CONTINUES TO CHARGE ME FOR CHARGES ON MY CARD THAT I DID NOT MAKE. THE CARD WAS EVEN CLOSED DUE TO FRAUDLENT USE. PLEASE HELP. I HAVE SENT THEM THE PAPERWORK THEY SENT ME ON THESE CHARGES THAT WERE MADE ON MY CARD ON XXXX. I HAVE SENT IT NUMEROUS TIMES AND THEY INSIST THAT ARE GOING TO CHARGE ME NONEHTLESS. THE ONE CHARGE IS {$6.00} FROM XXXX AND THE OTHER ONE WAS {$5.00} FROM XXXX ON XX/XX/2021 BOTH OF THESE CHARGES WERE NOT MADE BY ME. BUT THEY ARE GOING TO CHARGE ME ANYWAY. I HAVE UPLOADED THE PAPERWORK SEVERAL TIMES TO ADVISE THEM I DID NOT MAKE THESE CHARGES. PLEASE HELP. THEY REFUSE TO LISTEN. I AM NOT PAYING FOR CHARGES I DID NOT MAKE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has failed to address my prior three complaints. The response Ditech gives does not align with the action Ditech has taken. Ditech claims to have taken action and has not fulfilled what they stated they will do. Pictures are attached. 

I am seeking restitution of all late fees due to Ditechs failure to properly and legally apply payments ( instead, they have and continue being held as unapplied funds and are not applied to my loan ). Also, no notice was received regarding change to my payment amount. Ditech claims to have sent this, and it was never received. In previous message, company apologied for handling my account inefficiently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 explanation
Consumer complaint received 2016-09-08
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my balance in full to ATG credit since XXXX but still they DO N'T want to remove the account in my credit report even i wrote them a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

EOS CCA / XXXX XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months. 

They replied twice. OnXX/XX/XXXX the letter stated " based on the information in our records this letter serves as verification. '' The second letter which came days later was a settlement offer {$560.00} from {$800.00} plus all three credit bureaus are come back verify without any documentations besides there company letter stating verified. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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:
There is one account on my credit report that is not mine I have not applied used or know of this account I need this off my credit report ASAP!!! 

XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I just received a notification from XXXX that a collection was added to my credit reports. According to XXXX it was reported on XX/XX/2017 but I never received a dunning letter and got the notification that it was added to my credit reports today. I googled the information XXXX provided and found out the address/phone number of this company. The amount is for {$180.00} but I do n't know who I supposedly owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Lendmark Financial Services
State: PA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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: Information belongs to someone else

Complaint:
This account ending in XXXX was opened fraudulently. I talked too the original creditor and they have stated in a letter that they did a fraud investigation and determined I am not responsible for this debt. Attached is my FTC report and the letter from XXXX XXXX Bank stating I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Lake City Credit
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this on behalf of my XXXX Adult Daughter who suffered a XXXX in XXXX. Lake City Credit has been sending her notices that she owes them {$1200.00} for overdraft amounts on her checking account with XXXX XXXX. 
My Daughters name is XXXX XXXX XXXX and she has not had an account with XXXX XXXX  in XXXX, Oregon since XXXX of XXXX. She is with XXXX XXXX XXXX XXXX and I have access to her account to help her manage her finances. 
On XX/XX/XXXX I contacted the XXXX XXXX  Branch in XXXX and spoke with XXXX who reported that XXXX XXXX  only keeps records for 7 years. He also said they do not have a relationship with Lake City Credit in XXXX XXXX, Texas. I then called Lake City Credit and requested they provide documentation and proof of this debt. They could not and would not. I suggested that I was going to contact the Justice Department in Oregon and they transferred me to a supervisor who then hung up. I assumed this was over but we have now received another letter from Lake City. We would like them to cease and desist and request your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage loan through USAA Federal Savings Bank. We need federal Form XXXX to prepare and file our XXXX tax returns. USAA has failed to timely prepare and post for their customers a complete Form XXXX. We were promised by USAA representatives that they would post complete Form XXXX on their website on XXXX XXXX, XXXX. However, as of XXXX XXXX, XXXX, USAA has not made a complete Form XXXX available to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: TX
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:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX XXXX XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas 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 2021-07-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Wakefield & Associates to collect a debt owed. I do not owe a debt to this company, or any company, for that matter. I am on the national do not call registry, so they should not contact me. I contacted them and attempted to get them to stop contacting me, but they did not answer my calls, as if they had blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has re-inserted an account on my credit report that is fraudulent. I believe they are doing this to boost their sales of their id protection products. This is illegal and against the law. They refuse to allow me to dispute this account on line calling my claim frivolous. The following account is fraudulent and has been deleted and was fraudulently re-inserted on my Experian credit report : XXXX XXXX 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 explanation
Consumer complaint received 2016-05-04
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: PROVIDENT FUNDING ASSOCIATES
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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:
There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - Acct # XXXX Amt {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX Amt {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 8 accounts on my credit report that are not mine I have not applied used or know of these accounts I need them off my credit report ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX XXXX {$5800.00} XXXX  XXXX - Acct # XXXX Amt {$14.00} XXXX XXXX - Acct # XXXX XXXX {$330.00} XXXX XXXX - Acct # XXXX Amt {$790.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$130.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX. XXXX - Acct # XXXX Amt {$330.00}

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 explanation
Consumer complaint received 2016-02-17
Company: CONDOR CAPITAL CORP
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've been having on-going issues with my automobile lender, Condor Capital. My primary issue of concern, is that the auto company took my loan off of my credit report while I was still making payments. Although I 've made monthly payments, it always appeared that I carried a balance, which in turn additional penalties and interest applied. So regardless of my monthly payment, I was always behind. Although I purchased my vehicle in 2012 for {$15000.00}, I still have a balance of over {$13000.00} after four years. There 's something terribly wrong here. Also, my car was repossessed this morning. I have n't received a phone call, an email, a letter in the mail - only to pay the bill, which I disputed because I had issues with the payments posting incorrectly. I can not understand how a company can operate under such pretenses.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
I received notification of a new opened account on my credit report through XXXX. The account was opened yesterday ( XX/XX/21 ) for {$60000.00} and I did not open an account. This is potentially fraud. 

Account Information Below : Account # XXXX Creditor Name : JPMCB Auto Finance Industry Type : Bank Credit Card Address XXXX XXXX XXXX XXXX Mail Code XXXX , XXXX , LA XXXX Account Balance : {$60000.00} Payment Status : Current Want to get this resolved as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Issue: Balance transfer

Complaint:
i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: IN
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:
Companies doing hard inquires days with each other. Causing  XXXX  or more hard inquires to hit m y credit score f or  XXXX  company.

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