BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter.

According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. 

This situation has cause me great stress and turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-06-23
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Account Number : XXXX 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: ALLY FINANCIAL INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX, Experian, XXXX  will not permit any corrections to inaccurate information in credit files. On XXXX XX/XX/2019, I reviewed all reported information and noticed inaccuracies in personal information including name, address, social security number, none of which can be fixed online. None of the telephone customer service representatives responded on the telephone despite waiting on hold for an average of 20 minutes per call. As a person who's recently experienced identity theft after data breaches, it's very important to take legal corrective measures.

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: AZ
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 to formally dispute the validity of one collection account listed on my credit report, which were reported by JPMCB CARD ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in XXXX XXXX XXXX, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I opened a XXXX XXXX account, XXXX XXXX and a XXXX XXXX account only for {$250.00} and {$300.00} limits, I only used the cards once and I paid the balance off. In the mean time I had them calling me saying I still owe money and that I actually have two accounts with them for incorrect limits of {$400.00} and {$800.00} then they gave me an incorrect address other than mine on file and were very confused when I explained to them what happened they in fact added accounts or someone submitted a fraudulent account/s in my name because I did not open those accounts and I paid my cards off I am so confused and frustrated I've called these company 's over and over again and even when hurricane Irma effected us we were unable to pay off our credit cards because we were directly hit and they all told us it was too late to file so we are swallowed in debt by companies who do not treat us fairly and we have XXXX children my husband is a veteran and we will be XXXX  in 6 weeks because our credit score is effected dramatically and we can't buy a hous or even rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via US mail on or about XX/XX/ to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/ in the amount of {$100.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please 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 2020-08-03
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told by XXXX at Mariner Finance on XXXX XXXX, 2020 to payoff {$9000.00} before XXXX. XXXX, 2020 and there would be no interest or fees. I asked her repeatedly & she even circled the amount on my document to confirm that if I paid {$9000.00} before the 1st due date which is XXXX. XXXX, 2020 there was absolutely no interest or fees. When I called on XXXX XXXX, 2020 to confirm the payoff amount before bringing the funds into their office ( ie:1 month later & I accrued {$400.00} interest? ), they gave me a different amount of {$9400.00}. Which I tried to correct them that was incorrect from what XXXX told me & circled on my document, but they refused to listen & stated unless I paid {$9400.00} on XXXX XXXX then I would continue accruing interest before my 1st due date of XXXX. XXXX, 2020. I contacted their Branch Manager XXXX the day after, but she refused to listen to me that what I was told should be honored & that I paid before the 1st due date of XXXX. XXXX, 2020. Therefore there should be no interest or fees. Not to mention they ran my credit report for the 2nd time after I was already approved the 1st time. I also was blind-sided with them taking the title to my car for collateral, which that was not initially discussed over the phone. I would like this issue resolved with reimbursement of {$400.00}, which is the difference from the {$9000.00} that I was originally informed to pay before XXXX. XXXX, 2020.

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: EQUIFAX, INC.
State: FL
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 items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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  ; 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 alleged 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 2022-10-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a borrower from the XXXX student loan program that was shut down in 2010. And I have been making payments on my loan since XXXX. My loans are managed by Navient. Due to the lack of information provided at the launch of the Federal Student Debt Relief Program last XXXX, I sought out information about qualifying myself. I contacted both the Department of Education and Navient. 

At that time, I was told I had an option to consolidate to Direct Loans, but that was a high risk. I was feeling unsure about taking the risks of a higher interest rate and other long-term repercussions of that consolidation. Commercially run XXXX loans were a gray area at that time and I thought it best to await further information to make a more informed decision. Only to then receive an email on XX/XX/XXXX that I missed a deadline that was not established until the deadline was crossed. Only those who had consolidated PRIOR to XX/XX/XXXX were going to eligible for relief and those of us with loans that are legitimately federal would be now be excluded. As if we were to predict the future. I would like to further more state that there is zero control given to the consumer regarding what entity takes on your loans. A Federal loan is still a federal loan. 

This is affecting millions of honest, hardworking Americans that have been paying off loans for decades and accruing interest from predatory banks. It is not right to exclude us from relief because who is in control of our loans. We had no say over that. And those of us who proceeded with caution are also being put out and the way we were informed was, quite frankly, a slap in the face. Having a degree in higher education should not mean you have a federal burden for most of your adult life. We contribute to society, we are parents, homeowners, and community members. Education is a right not a privilege. Granting us the freedom from loan payments would positively impact my family and millions of others. 

Please consider including the commercially owned XXXX borrowers in President BideXXXX 's plan. We have paid enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
XXXX Force-placed insurance. 
In XX/XX/2018 you purchased homeowners ins for XXXX XXXX XXXX XXXX send copies of the written notice pursuant to XXXX ( d ) ( XXXX ) that you XXXX now Community sent to homeowner before purchasing XXXX for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I disputed with Midland and requested validation of debt.I listed several items in my request. In response Midland sent a bill requesting me to validate debt myself. Which I can not do being that I do not and never had an account with this agency. 

Out of retaliation of my request Midland also placed a 2nd collection account on my credit reports with a different amount owed. On the first collection account they placed the following remarks ; '' Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/2019, I sent a second request for validation of debt. This second request was received by Midland on XX/XX/2019. In this second request, I asked Midland to either send items requested for validation or remove this item from my credit reports. In response, Midland again sent me a bill. 

Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. A bill does not suffice. The creditor has no contract with MY SIGNATURE on it that shows verification or permission from me to allow my information to be shared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: Comerica
State: FL
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:
I checked my balance online and it was about {$50.00} less than I expected. When I finally got through to an agent ( more on that aspect later ), I was notified of a {$49.00} fraudulent charge to my account. The reason I immediately knew the charge was fraudulent is I have never used the card to pay a bill online. Before I could write down the entity from where the charge originated, the agent suggested that my card could be compromised and I should order a new one, which I did. She then said she was transferring my call to the dept. whereas I could dispute the charge. After being on hold for about XXXX min, the exact same woman came back on the line ( I recognized her voice ) pretending that she couldn't hear me and hung up the phone. Now this is what led me to believe the card company itself if involved in systematic fraud : once you order a new card, you can no longer access the network using the number from the old card. You can access your account using your SS number but you only get access to a menu that doesn't include any option that allows you to speak to anyone. So once the crooked agent hung the phone, she cut off all means for me to re-connect with her. Furthermore, I suspect these XXXX are systematically stealing benefits from old XXXX by erecting roadblocks to complaining about suspicious deductions. For example : when you call customer service, you're prompted to enter the last XXXX numbers of your card and your pin but once you do that, all you get is your balance. The only way to access the menu is to NOT follow the prompts ... but they never tell you that. Why? Something doesn't smell right and I think XXXX should look into XXXX

Company response to consumer: Closed with explanation