BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Mailed in a check payment to Big Lots Credit Card Company ( Comenity Bank ) {$1800.00} on XX/XX/2023. Check was cleared by Comenity Bank on XX/XX/2023 and has not been posted to my account. Have called customer service 4 times. Each time they have stated they show no record of payment. Customer service has told me to check with my bank not an option bank shows funds have cleared and excepted by Comenity Bank. The customer service reps have no way of searching for my payment. They keep telling me to check back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: TMX Finance LLC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I've made more payments than the original loan. And my car was repossessed over XXXX XXXX  short of a payment. The total balance i had to pay was XXXX to have title max release my vehicle. Thats already double the amount of the original loan. I want this account to be settled and close out and I want my title back., and that account still has a balance of XXXX XXXX XXXX  and something. I've already paid double.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: LA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt was reported on my credit report that was released on XXXX XXXX. I attempted to dispute the debt with the property management company who managed the home I lived in. They sent me inaccurate statements and invoices and I was in the process of disputing the validity of the debt. The owner of the company XXXX XXXX sent me an email stating that I was not willing to pay or negotiate ( I was attempting to validate the debt ) and he stated and, in his email, " my company no longer manages this property. We will inform the owner that you are not willing to pay or offer a settlement. They can escalate to collections if they choose. Any future correspondence must be directed to owners of the home '' I am leaving out the names for privacy. I did not have the owner 's information because the property was being managed by XXXX XXXX. No further attempt to validate the debt occurred by either XXXX XXXX or the owners of the property. Five years later it appears as a collection on my credit report. I could not continue to pursue validation from XXXX XXXX due to their request and statement of not owning the debt. I had no contact with the owners who XXXX XXXX states now owns the debt. I do not owe XXXX XXXX, now the XXXX XXXX any money because as they stated they no longer represent the property, or the owners and any further collection must come from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022

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 2023-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to report this fraudulent account on my credit report. I also sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/2023 which is a FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-11
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: Personal information incorrect

Complaint:
I have wrong manes listed and alias name that is not mine and previous addresses that I never used

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 2023-08-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had automatic payments to pay off our debt with debt collector company on behalf of our credit card. On XXXX XXXX2020 a final payment of {$150.00} was taken from our checking account automatically, but the final payment was only {$110.00}. A refund of {$34.00} was due back to me. I waited for the refund but time passed and when I finally called the company I was first told that I was a few days past the 30 period in which to ask for the refund but that they could see that the account was in the negative {$34.00}. I was transferred to a manager who told me the same thing - that the account was paid but a negative balance was owed to me. The manager said if I did not see the refund in my bank account by Friday ( this was Tuesday ) to call back. Come Friday no refund. I called in the morning and they told me someone was locked onto my account and they could not contact that person to get them off. Ok so I thought and told the representative that maybe they were checking the account and about to refund me the amount so I would call back later in the afternoon of Friday if I did not get it. Did not get it. Called again and talked to XXXX, a manager and she said the account was locked out by someone too. I told her I was not going to take that as an answer and that I wanted my refund! She went to the person who apparently was on the account and came back to me to say it was a treasurer of the company and the amount was correct and they would be issuing me a check in the amount of {$34.00}. I told her to have it put back into me checking account, the same account used to take the monthly payments out of. She said that is not their policy! I told her excuses excuses I would contact the FTC to file a complaint. I paid in good faith on time and as agreed. The account was paid on XXXX XXXX, 2020! I am still waiting for my refund and I don't think waiting for a check after all this time is fair!

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 2023-11-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
RightPath Servicing has claimed that the proof of insurance I provided is insufficient due to the lack of walls-in verbiage and I believe this is clearly an error. 
RightPath Servicing has also claimed that there was an existing XXXX XXXX XXXX policy in place when the loan was transferred from XXXX XXXX XXXX ( Mr. Cooper ) to RightPath Servicing ( also Mr. Cooper ) but they were unable to learn the name of the insurance provider for this Forced Placed Insurance that I am completely unaware of. 

I am formally requesting all documents RightPath Servicing has relied on to determine and make the claims that : XXXX. My hazard insurance had expired XXXX. The proof of insurance sent by the borrower was insufficient to satisfy the lenders requirement XXXX. That Forced Placed Insurance was in place prior to the transfer from Mr. Cooper to Mr. Cooper but RightPath Servicing was unable to obtain the name of the insurance provider XXXX. That the requirement to provide type of hazard insurance in the first and second notices has been met by simply stating hazard insurance. Where in the XXXX XXXX XXXX XXXX or the CFPB does it state the verbiage ( RightPath Servicing ) used in the first and second notices meet the type of hazard insurance requirement? 
XXXX. That the verbiage within the boundaries of the units and additions, alterations and installations found in the proof of insurance I provided does not satisfy walls-in and betterments and improvements verbiage claimed to be required by RightPath Servicing XXXX XXXX That RightPath Servicing was permitted to report my mortgage payment status to credit bureaus while notices of error were pending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the year of XXXX, I was evicted from my apartment with XXXX XXXX XXXX. My eviction was due to none payment of rent, however, I was ill from XXXX XXXX and was placed out of work for 3 weeks. Unable to make payment arrangements with the landlord, they filed an eviction although they had never had issues with me not paying my rent before. When I offered to pay half they declined the offer. By XXXX XXXX XXXX  I was out of the apartment. When we went to court, it was agreed that I vacated the premises and no damages would be filed. Per my court orders, no damages were filed and no monies were being requested to pay. That is until the year of XXXX  in XXXX, a collection was placed on my account for a debt owed by XXXX XXXX XXXX  although the court order stated no judgment would be owed. Why would a company wait nearly 3 years to place such a debt on my credit, making me ineligible to get another rental property? This is unfair treatment, especially given the times we are currently living in. There must be something more that can be done to put an end to big corporations causing disruption and hardship to individuals such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: NC
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-07-20
Company: Global Lending Services LLC
State: FL
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:
This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.

Company response to consumer: Closed with explanation