BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company contacted me about a debt that I do not owe. They sent an email that I accidentally discovered when browsing my email spam folder. 

I immediately replied via certified US Post to notify the collection company that I do not owe the debt, that the debt is disputed, not to call me or email me and to only contact me at my postal address in writing, and asked them to provide any documentation that they believe proves I owe this debt. 

I got no reply in writing. 

In spite of my written request otherwise, someone claiming to represent the debt collector phoned me and left a voicemail threatening a summary judgement against me. 

There are thousands of complaints in the CFPB database against this particular collection company. 

I believe that the debt collector ignored my letter ( for which I have proof of delivery ), illegally contacted me by phone after I instructed them to only contact me in writing at my postal address, and is still in the process of seeking a judgement against me for a debt that I do not owe. 

Rather than wait until I have to dispute an illegally obtained summary judgement, I am asking the CFPB to force this collection company to acknowledge my request to provide proof of the debt or quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I can see a identity theft of my account. I also had documents pertaining to my account with a XXXX and XXXX XXXXXXXX XXXX data breach reported to XXXX and my account was trialed without a jury and violated my account rights in litigation. I asked to follow up with my account and check my investigation out with my bank fraud papers. I posted some money to my account and received a bank report erroring my account. Some reports from XX/XX/2022 showing XXXX XXXX XXXX hacked my personal account with bankruptcy errors leaving my account unstable with XXXX XXXX and XXXXXXXX XXXX XXXX. Showing my report was declaring fraud from XXXX XXXX XXXX and XXXX XXXX research. Cryptocurrency from my 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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX   oringinal account # XXXX XXXX ref XXXX XXXX phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.

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 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They wont stop reporting to XXXX XXXX  and XXXX already took off. It has been 9 years since the card was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Bridgecrest Acceptance Corporation
State: PA
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:
BRIDGECREST ACCEPTANCE CORPORATION MAILING LOCATION XXXX, AZ Due to COVID-19 in XX/XX/XXXX i stop payment on the truck they finance and i have send them a debt validation letter and they ignore my letter and in XX/XX/XXXX they came and repro my truck and they did not notify me that they was going to repro my property, the repro company ( XXXX XXXX ) stole money that i had in the truck and they came on my property illegally and stole ( REPRO ) my truck. I have ask BRIDGECREST numerous times to present me with the original promissory note so i can settle the debt and they have not present me with such promissory note.The law in Pennsylvania state that in order for a finance company to repro your vehicle they must notify the debtor of such repossession through register mail and they CAN NOT breach the peace, well the repro guys came on my property with guns drawn and i was in my truck when they drove and block me from moving my vehicle and the police was call, the police want me to hand over my property to these guys that i did not know where they was from and i tell them i am not abandoning my property and they arrest me for protecting my property. 
i have no idea where my truck is locate and i paid the constable to recoup my belongings and i had to pay the recovery pro for storage and they stole my money that was in the truck.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called and faxed XXXX, XXXX, and TransUnion about removing my addresses, the only address that I needed to remain was my address on XXXX XXXX XXXX XXXX, XXXX IL, XXXX. 
Please remove any other address beside the one shown above.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: IL
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-12-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021 I opened a CareCredit card to pay for Invisalign through XXXX XXXX XXXX in XXXX, NC. A charge was made of {$5000.00}. The dentist office told me I had great credit and should expect XXXX % interest rate. Received the paperwork attached for a XXXX % XXXX year fixed interest rate which I reviewed when I got home. Called within the first few months as there were security card charges added on that were unnecessary and not fully explained at the time of purchase. Had them removed and refunded. 

I spoke with a CareCredit representative about the XXXX XXXX offer I was promised at the dentist office. They said it was still available and to have my dentist office call to switch to that promotion. No paperwork was ever proposed to me to switch the promotion. I called the dentist office and it was taken care of. I was signed up for a deferred interest 12 month promotion without my knowledge. Had no idea until it came due on XXXX statement. I would have never signed up for this as the XXXX XXXX interest for XXXX years was between the XXXX the better deal. Not being given the details or a choice this is predatory lending. 

I was never given the choice. Between the security fees and this promotion swindling I feel CareCredit is a predatory lender. I want this corrected as soon as possible as Im now on the hook for a larger monthly payment I never signed up for. 

Now I have a new card that has been sent to me for good customers to use this card for XXXX points and perks instead of the medical credit card I had signed up for. I do not want this change. I want nothing to do with this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
in XXXX on the XXXX is sent a dispute over to transunion to fix an issue that had arised when i called them i was told they could not help me so now i wish to have things escalated on my behalf

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 2021-03-08
Company: Consumer Adjustment Company Incorporated
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CACI first contacted me by phone on XXXX XX/XX/2021. They have not sent me any correspondence of validation by mail since that first contact. I sent them a certified signature return letter via USPS requesting a debt validation be sent to me which CACI signed for and received on XXXX XX/XX/2021 stating they need to cease their efforts of contacting me until I receive debt validation so that I could be fully informed. now 38 days later I have yet to receive the debt validation that I requested from CACI and they have continued to harass me by phone daily and sometimes multiple times a day, violating the fair collection practices numerous times. 

XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX XXXX received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX XX/XX/2021 at XXXX I received a call from CACI XXXX XXXX XX/XX/2021 at XXXX I received a call from CACI from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX  and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through Experian several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with XXXX  XXXX credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also XXXX  XXXX credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX XXXX  XXXX credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} 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 2023-01-03
Company: HUNTINGTON NATIONAL BANK, THE
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have not paid off the loan, thats just the best option for my scenario. I have been trying for 2 months to register my car. I bought it in XXXX  ( as I am a XXXX XXXX on assignment ). I live in XXXX  so I needed to register it in XXXX. The bank has been telling me for two months that they will send the title and they have not. I got a 30 day extension for temporary tags from XXXX, but unfortunately the bank has still not sent it. XXXX on XXXX I was given a XXXX  number stating that it would arrive XXXX. They never sent it. Since then Ive planned a whole other trip back to XXXX  with promises that the title will arrive while Im here ( put me out time and money ). XXXX  I called to verify that it had been sent and they said no, that it never got signed and taken care of like I was promised. Then I call back today to make sure its been sent and they say they have to find the title again. Its put me out two times now. And I now will have to drive back with my car not registered. Not sure what Im going to do at this point. They dont follow through when they say they will email me paperwork. They dont follow through when they say they will call me back. Ive been in tears multiple times on the phone because of how many times they have XXXX  me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am having issues with unrecognized accounts and information appearing on my crdit file. I want to block my XXXX XXXX, XXXX, XXXX credit file and I like a PIN number for the safety and security of my personal information. Please send me a FULL REPORT OF MY CLUE FILE ( LEXIS NEXIS ), and a FULL REPORT FROM XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
that is the issue to begin with the state they have a claim when they don't I sent my response they have no contract they are attaching this account XXXX XXXX when it against the law based on the letter statement I sent and have attached to this complaint I find the response frivolous and without proof

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 2023-07-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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