BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: Resurgent Capital Services L.P.
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: Public record information inaccurate

Complaint:
Sent LV funding debt validation for never having an account with them. They are still reporting inaccurate information on my reports. Seeking punitive damages for time it took to look into this matter seriously affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
I have notice that XXXX is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b

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 2021-12-14
Company: VW Credit
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have setup Autopay with VW Credit since the beginning of my loan in XX/XX/2021. Starting XX/XX/2021, I began having issues with them taking the money out of my account and was never notified. I continued to make my payments on time. In XXXX I made a payment for the XXXX payment multiple times as well as a {$1300.00} payment in XXXX to cover the XXXX payment that VW Credit kept giving me issues with. For some reason they are reporting a late on my credit for XXXX now. I have no idea why or how this is possible. I have had such a hard time with VW Credit that I turned my lease in early due to how unprofessional they have been. They do not take all measures to contact clients if they have issues collecting payments. They do not call, e-mail and send letters which they legally must do when trying to collect payments. When I called and asked they how come they do not call clients, their responses is that they only send letters or e-mails through the portal which always come in late. They sent me a notice for XXXX 's payment on XX/XX/XXXX which was not within legal reasonable time for me to make a payment since XX/XX/XXXX was a short week due to XXXX. I also did not receive the letter from XXXX until XX/XX/XXXX. Also, the payment was due XX/XX/XXXX ( for XXXX to be considered " late '' ) which is a National and BANK Holiday which means it would not have been processed on the XXXX of XXXX. I ended up getting this disputed off the report after many complaints and e-mails to VW. Now, I am getting a XXXX late payment which is not true. I made a {$1300.00} payment on XX/XX/XXXX and it was pulled from my bank on XX/XX/XXXX. This means that I made my XXXX payment. I turned in my lease on XX/XX/XXXX and today is XX/XX/XXXX, which means I can not have a late payment in XXXX since it was made and we are not 30 days past XX/XX/XXXX. This bank has been XXXX to work with and the reason I terminated my lease with them after 6 terrible months. Now my credit reports are showing a late for XXXX and they are not repsonding to my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to American Financing to assist me in getting a loan for a refinance. I gave them all the information that they requested. However, through the entire process, it has been a struggle to get any communication. I have to call multiple times per day and email to get any communication. It is always " I will call you back. '' Calls are not returned. On XX/XX/2019, we set to close. We signed the papers and we were told that the money would be electronically transferred the next day. It has yet to happen and yet again I can't get anyone to answer calls. I talked to someone named XXXX about it and he said he would try to get things sorted out. However, I have not heard anything. I do not know if the money is coming or when. They make false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On a few occasions I have asked the company to lower my interest rate and that the vehicle is only worth like about $ XXXX. I told them that I didnt think it was fair and they said there is nothing that they can do. They have moved my payments to the back of my loan before but that just makes it worse with additional fees and taxes. Its a never ending cycle. I will always be in debt to them for a truck thats over 7 years old we cant trade it in so we are trapped in this loan that was at a buy here pay here place and they didnt say all the issues we would have with this truck.. transmission, AC, radiator went bad twice and they had to replace it. What we wanted was to get out of it but they wont let us. I even had to put a big deposit down. The deposit was {$5000.00}. And on top of getting injured at work from XX/XX/XXXX XXXX XXXX 2022 it Really but us in a bind. Please help

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 2022-11-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is in response to my previous complaint which was not addressed. 
XXXX Instead, they seek to delay the resolution. Inevitable resolution of dismissing the debt. 

Requesting information provided time and time again on phone calls with Synchrony Bank, detailed in prior complaints to the CFPB. 

We are actively publishing all of these complaints in pursuit of a class action suit. 

Additionally repeated continuous calls throughout the day and week, filling up my Voice mailbox are unacceptable. Until Synchrony fully addresses the problem, they should stop harassing me and remove the debt from all of my credit reports.

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 2020-08-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My brother was served with a summons with his name and my name listed on the summons. After receiving the information my brother called to inform me I was being sued. My brother shouldnt have been served with any sue paperwork for me. Wakefield and Associates Inc. ( WAI XXXX violated the FDCPA ( Fair Debt Credit Practice Act ) # 805. Communication in connection with debt collection. 

WAI also violated Act # 807 False or misleading representation. On XX/XX/2020 we appeared in court and I was presented with documentation stating they are suing me for {$3300.00}. In total there were 10 pages. The patient responsibility totaled out to XXXX. I have sent a copy of all documents to the Federal Trade Commission to give a more detailed understanding of my case. 

On XX/XX/2020 I was never given any type of consent form showing I signed for my information to be shared, which violates HIPAA policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
NOTICE OF FAULT EQUIFAX equafax continues to report erroneous information on a commercial mortgage loan. Equafax is not in uniformity with the other two credit agencies, XXXX XXXX XXXX. Equafax may stand in possible liability and a repairable damage due to the erroneous consumer reporting in the event that this company continues to report erroneous information, I will be requesting certified copies of any, and all information that they are making false claims about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Lockhart, Morris & Montgomery Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I frequently receive calls from them early in the morning. Always before XXXX and sometimes as early as XXXX in the morning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2020-11-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
AMEX is trying to collect on a credit card debt that is not mine and they refuse to send me proof of the application where they claim I took out the card. The card they are referencing was a company card I was authorized to use but was not my debt/card. I have asked for proof this is tied to my social security number and they can't provide me with anything. They are merely linking my name to my personal credit cards with AMEX and trying to pass the debt off as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an accident with pnc bank money was continuously missing it was said peoples accounts were being hacked even though I had my debt card they told me the transaction was go old I didnt report it in time well I didnt know what was going on transactions I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}

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 2022-11-19
Company: Experian Information Solutions Inc.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 explanation
Consumer complaint received 2022-03-15
Company: Rausch Sturm LLP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX from XXXX TX is currently suing me in XXXX XXXX XXXX Florida. 

They claim that on XX/XX/2019 that I took out a loan to cover the purchase of appliances and other items in the attached document XXXX XXXX with a loan repayment in the amount of XXXX. 

The delivery address on the bill shows XXXX XXXX XXXX, XXXX TX XXXX. 

I do own property in XXXX, TX XXXX about XXXX miles south on XXXX. I have not been back to Texas since my XXXX 's passing in 2019. 

I enclosed a copy of my XXXX bill showing that I made purchases the day before in XXXX XXXX Florida. I pay my XXXX XXXX in XXXX every month with a credit line of over {$37000.00}. 

On the XXXX I would take a cruise out of XXXX XXXX, FL. 

I have also attached my XXXX XXXX court hearing

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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a wire transfer ( over {$3000.00} ) through Bank of America on the XXXX of XXXX and the recipient is yet to receive the funds. I have contacted the bank several times and I keep getting the same response- the intermediate bank they used is not responding or yet to respond to their emails, and as such have to keep waiting until the intermediate bank responds to them. This is what I get if I either ask to trace the money. even if i requested a recall of funds, it's still the same process of reaching out to this so-called intermediate bank.

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 2021-09-13
Company: EQUIFAX, INC.
State: VA
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:
I XXXX XXXX, am making this complaint for myself there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. '' I sent in an identity theft affidavit over 30 days ago and still have not received a response. The credit reporting agency is now in violation of 15 USC 1681c-2 and 15 USC 1681e .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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.

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 inructions 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 explanation
Consumer complaint received 2023-07-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
Company: EQUIFAX, INC.
State: SC
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:
I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX transmission on XXXX XX/XX/XXXX XXXX was withdrawn from my account for installing a engine in my XXXX XXXX and on XX/XX/XXXX XXXX XXXX was withdrawn from my account for the same reason. and on XX/XX/XXXX XXXX another XXXX was withdrawn from my account for the same reason. after i pick up my truck on XX/XX/XXXX the invoice bill was only XXXX so the with drawal exceeded the total amount.

Company response to consumer: Closed with explanation