BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Scott Fetzer Financial Group 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: Problem with personal statement of dispute

Complaint:
I purchased a puppy from XXXX XXXX XXXX in XXXX, FL and the puppy sustained a XXXX 7 days after taking him home from dire conditions at this puppy mill. The puppy was still there and being " marked down '' like material merchandise like linens or housewares at a store. Horrible to treat animals of all kinds and pets of all kinds this way. I was given a 14 day warranty and took my pup to the vet within the first few days of getting my pup as required by the warranty on the pup from XXXX XXXX XXXX however they have denied my claim and are still going to charge me the {$2800.00} that I financed as well as not reimburse me for the over {$1000.00} in emergency room vet bills due to the pup XXXX XXXXXXXX having a XXXX and said that It was not considered congenital or hereditary even though they had pumped him full of unnecessary XXXX I have documents to show his medical history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
Experian and XXXX XXXX are conspiring to keep inaccurate information on my credit file. I filed for bankruptcy in XXXX XXXX XXXX has updated the account to show as a charge-off with no information about the bankruptcy in addition the charge-off amount is XXXX XXXX but they are reporting past due XXXX XXXX. I have previously disputed the past due amount with Experian, XXXX  and filed a complaint with CFPB in which I was provided a half-hearted response.

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 2021-08-19
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Innovate Recovery has been trying to collect a debt from a previous apartment complex. This debt was first dismissed by a justice of the peace judge on XX/XX/2019. After countless attempts of letting them know this, they are still trying to collect on the debt. Even with the information they are sending, the amount is not the correct amount that they are showing from the apartment complex. On my credit report, the amount is {$3200.00} is not the correct amount, but are sending the final bill verification from the apartment complex that is showing {$3200.00}. There is an extra {$50.00} that is not accounted for nor was I made of any additional fees that were going to add to the original amount by this collection agency, which under the Texas Finance Code is a violation as I am asking for them to show that the debt that they have is valid. So that means any additional fees that the collection agency is attempting to collect, which is cited under Texas Finance Code Sec. 392.303 ( a ) ( 2 ) that states " collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. '' Innovate Recovery and I have not entered an agreement nor was I as a consumer made aware of any extra added fees that are trying to be collected on. I have spoken verbally to the company and have asked for them to explain the extra fees and also I have sent written communication, to which they have responded with no information or any agreement that this extra {$50.00} is my legal obligation to pay. They have also verified with all 3 credit bureaus that this debit is accurate, which this debt is not accurate nor should this debt have been referred to collections, as the debt in its entirety was dismissed in a Justice of the peace court in XXXX County Texas. Which Innovate Recovery has been made aware of and it is known, but are still trying to collect and verifying that this debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to comply with the FCRA section 605b which states that the Credit Bureaus are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I am in need of removing the following fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have been failing to verify to me the accuracy of the disputed accounts and yet you have been claiming the these items have been verified. You have failed to meet your responsibilities.

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 2023-09-18
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: Account information incorrect

Complaint:
On XX/XX/2021, I applied for a Small Business loan with XXXX for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXX of XXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently XXXX put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.

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 2023-05-13
Company: ALLY FINANCIAL INC.
State: MD
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 am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-09-18
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was originally with XXXX XXXX throughout the pandemic and was on XXXX orders overseas and had put in for a forbearance. However, XXXX XXXX refused to acknowledge and adhere to an agreement. This was all sent in and report to Credit Bureau. My unit got wind of it and almost had lost my Too XXXX XXXX. My mortgage was directed to Carrington in XX/XX/XXXX and was treated the same without any assistance. Due to this matter I had lost my XXXX XXXX and downgraded to XXXX which i had to pay out of pocket for an attorney ( {$4500.00} ) to fight to keep my XXXX XXXX because Carrington is not adhering to the forbearance ( XXXX XXXX ) that I was advised they could assist me in after losing my clearance as a result of XXXX XXXX and Carrington meaning I had lost my position form XXXX to XXXX. Carrington has sent another report to the credit bureau and is now threatening to take my house if I dont pay the {$9000.00} within 30 days. Not to mention Im on XXXX XXXX orders while my husband has retired from the XXXX w/XXXX percent XXXX ( XXXX yrs served ) and recently losing my Father to XXXX. This is unfair after serving 18 years in the military and still XXXX XXXX to be worried about my clearance being revoked for a situation I couldnt control. *** Tried ATTEMPTING TO MAKE PAYMENT VIA WEB ON XXXX THOUGH NOW AND UNABLE TO. This is unacceptable and horrible the way they treat their customers IM CURRENTLY OVERSEAS AND CARRINGTON HAS NOT BEEN HELPFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX I purchased the vehicle and was told if I did not have motor vehicle insurance then it would get included with my contract and my payment will be an extra {$160.00} a month for my insurance. Both parties signed the document and every payment I made included my car insurance payment. I received a notice from the motor vehicle division of Arizona in XXXX saying I had 15 days to provide insurance on my vehicle. XXXX gon na get my registration suspended. I called my finance company who I make my car payment and my insurance payment to, and they stated that they are not covering my vehicle for full coverage and I still have to provide my own insurance even though my contract shows they are supposed to be providing insurance for my vehicle since its included with my payment, theyre not wanting to give me any credit back for any of the insurance payments that Ive made to them even though they have no insurance coverage on my vehicle my registration is suspended because there is no coverage that has been placed on that vehicle I can not drive to get my kids to or from school Because every two weeks this company still wants that payment for that insurance and I am unable to provide my own paying for an invisible insurance coverage. Please help!! I am a single mother of XXXX XXXX XXXX XXXX who is barely financially making it. The vehicle I had before was very old and all the repairs I just couldnt afford to keep up any longer and so for my childrens XXXX XXXX, such as XXXX XXXX and XXXX XXXX. I need a vehicle to get them to their appointment so I had to go get a vehicle where I could And I am now regretting this decision. I didnt choose this finance company. It was chosen for me by the car dealership, reading their reviews I would never chose this company. Their customer service is very unprofessional in every manner. Please please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: TX
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 am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with Discover and the 3 credit bureaus back in XXXX. I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was Disputing a discover account on my credit report because it is not mine and I did not open it. Discover has responded by sending me and the 3 credit bureaus credit card statements, the date opened, and my identifying information on the account in order to prove that it's mine and try and validate the debt. Discover sent these letters on XX/XX/XXXX and XX/XX/XXXX. I have since started a second investigation with Discover and the 3 credit bureaus. I advised Discover that an itemization of charges and my personal information does not validate this debt, but documentation bearing my signature is needed to validate the debt. Which Discover does not have, they continue to send account statements in order to validate the debt. They have nothing bearing my signature, and the account should be removed from my credit file immediately since they are unable to provide documentation with a wet signature proving the account is mine. My identifying information has been compromised for years now. I informed Discover and the credit bureaus that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature. Additionally, the date opened, credit limit, high credit limit, and date last active listed are inconsistent across the three credit bureaus. I advised Discover and the 3 credit bureaus that since the account is reporting inconsistently, and they don't have documentation bearing my signature it should be removed. However, they continue to end the investigation in Discover 's favor, even though they have not validated the debt with documentation bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the card was opened fruaditly I contact the credit Breau, and they state is a valid debit and it is not i have asked several times for the debt to be removed or validated and they have no complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-05-13
Company: Consumer Portfolio Services, Inc.
State: MD
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 am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i received a call from my bank stating that someone deposited a check via mobile deposit that was not made from me nor my device i told them i do not share my information and she said she was closing my bank account

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 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
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:
Someone opened a account with my information they closed the account but still reporting on my credit report that I got 90 days missed payments

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