BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I visited the XXXX XXXX dealership on in XXXX LA. XXXX was the salesperson assisting me with a XXXX XXXX XXXX. He gave me a price of XXXX being the sale price after discount but before taxes, my down payment, and trade-in, He presented me with a buyers order that ended with an amount around {$200000.00}, which included all taxes, fees, licenses, my {$500.00} down payment, {$2500.00} trade-in allowance. I was asked to sign that paper, then I was presented with another paper that offered payment options, of monthly note, and length of the terms swell as downpayment amount, which was different from the first one of the same kind he presented to me originally. I was attending my grandson party but had to make a run to XXXX, which is a bock after the dealership, which is how I spotted the XXXX. That being said, I told that to XXXX, and XXXX, the USED Car Manager,  XXXX suggest my daughter take the car to XXXX. Immediately after our visit to XXXX, we went back to the dealership to return the vehicle as we had to go back to the party. However, XXXX suggested we take it to the party they will be working on getting the vehicle financed. We returned two times that night, but they were not able to find a company to finance the XXXX XXXX XXXX at that, but I was asked to sign some paperwork they needed so they could find a company to finance me. I was told that either, I will have to bring the car back, or the payment will be due on XX/XX/XXXX, because most payments aren't due for a while, but let get you financed first. The finance man did not give me any papers as I didn't have an approval at that time, I was told. Therefore, XXXX put a 5-day tag on the XXXX XXXX, on XX/XX/XXXX, and he repeated to do so 3 more times, for 3 weeks, as a result of not finding a  financial copy to finance the deal. I never received any paperwork from the dealership, but last week, I received a welcome letter from Exeter Financial LLC., stating a payment of XXXX is due XX/XX/XXXX. My daughter, XXXX XXXX, went to the dealership asking for more information, they gave her a contract with the information I never received or known about. The XXXX  was on its 3rd 5-day tag because XXXX kept stating they did not have a completed deal and could not provide a 60-day temp tag for the XXXX XXXX XXXX until there was a deal in place. Two days later after the 3rd 5-day tag expires, XXXX put a 60-day temp tag on back the window of XXXX. I called the finance company asking how they entered into this agreement without my permission, They never reached me to verify if I infect agreed to the terms and conditions of the erroneous contract. I have not been given the due process to either accept or deny the terms made between the dealer ( XXXX and or XXXX  XXXX ) and Exeter Finance LLC.  I'm requesting the due process to and requesting all fraudulent contracts be ceased and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Associated Credit Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Associated Credit Service has placed a negative remark on my credit report on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is a utilities company in the state of New Jersey. The remark states that the account was opened in XX/XX/XXXX. I have not resided in the state of New Jersey since XX/XX/XXXX. I have not authorized anyone to open an account in my name. This was either opened fraudulently, or assigned to me incorrectly. I have disputed this with credit reporting agencies and have contacted the company but have not been able to remove this remark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I opened a secured credit card with XXXX XXXX XXXX on XX/XX/2021 with an initial deposit of {$200.00} On XX/XX/2021 the account was closed with a balance of {$30.00}. I spoke to a representative on the phone to use the deposit to pay the remaining {$30.00} and refund me {$170.00}. I never got the check! The amount was never applied to the balance! It has continued since XXXX to accumulate interest and fees and report negatively on my credit report. They have it listed as delinquent and unpaid when the only ones who are delinquent and havent paid is them. They have had {$200.00} of mine for the deposit this whole time that they never returned to me! So this account should be paid and full and should of been in XXXX when I asked it to be. I have disputed the information on my credit reports and provided the same information to transunion, XXXX and XXXX and they verify it as accurate when its not

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2018-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank says that I was charged too late fees one of {$35.00}, one of {$27.00}. My regular payment amount is {$68.00}. XX/XX/XXXX total {$150.00} XX/XX/XXXX XXXX. Difference each month of {$88.00}. {$120.00}. 
The representatives at the bank over the phone did not tell me accurately about my account so I could not access the response to give properly when talking to them. Including the manager this also differs from what the XXXX XXXX wrote in the letter reply. XXXX XXXX claims they can not refund only the {$27.00} because there is no record, however it is not a customers fault there is no record. Also there was no explination as to the extra charges because {$27.00} and {$35.00} total {$62.00}. I was charged way ore than that. 
As well, in one month I believe XX/XX/XXXX. I had asked the rep when making the phone how much I needed to pay to pay the balance she told me the wrong amount when I paid the {$10.00} payment. Then made the payment, if the person told me about the other {$5.00} I would have paid that but they did not. The person also did not explain not paying the fees would cause another late fee. I was not told this by any representative when I called. When I was told that the late fee would be creditied they told me it would take a couple of days to come back onto the account so I assumed I would not have to pay the full balance on the bill for the fees. Again XXXX XXXX thinks because the bank didn't note it that I didnt ' say anything, but the bank can see that I called and they can see I spoke to the manager. They can also see I made the payments and that I didn't pay the extra charges/ fees. It is lame excuse on XXXX XXXX to say they can't find a promise to credit it, however just the {$27.00} is not making up for the total amount I paid extra for some reason why was never explained. 
From this experience, I will now make a representative make a notation on the account, I will no longer just " trust '' what the person says.

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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Resurgent Capital Services L.P.
State: NH
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:
Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Selene Holdings LLC
State: OH
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:
Good Afternoon, Submitted Ongoing dispute : XXXX  DISPUTE # XXXX and Seline Finance in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute Seline Finance as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with Seline payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

Seline Finance : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX XXXX  is now servicing my loan as of XX/XX/XXXX. 
On XX/XX/XXXX I recieved notification from XXXX  and Seline that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In preparation for applying for a HELOC with my bank I recently created user accounts with XXXX and XXXX, but when I tried to create an account with Experian the website reported that my email address was already in use. Attempts to contact the company by phone resulted in an automated message that the 'operator ' only connects the caller to an 'agent ' under specific circumstances ; all other inquiries must be made through the web portal. Since I can not log on to the web portal I can not get assistance. 

I have never created an account with Experian and I am worried that someone may have used my email address to create a fraudulent account. This is infuriatingly frustrating and Experian is being of no help whatsoever. 

This has all taken place in the last 10 days ( today is XXXX XX/XX/2023 )

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 2018-08-25
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 have disputed an error for an account that I had with XXXX XXXX credit card with XXXX, experian & XXXX. I have provided a copy of the check that I paid the account in full to both the credit bureau agencies as well as XXXX directly several times and yet this account is still being reported as late and not paid. Legally they are obligated to correctly report the right information and they refuse to.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have some late payment on my reports i do not recognize

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 2023-04-24
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: Account status incorrect

Complaint:
I have some late payment on my reports i do not recognize

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 2021-04-14
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank is reporting a late on my credit file for the months of XX/XX/XXXX, XX/XX/2020. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that Comenity Bank makes a goodwill adjustment and remove the late notations from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
According to the Fair Credit Section 609 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through the physical verification of the original consumer contraction all and any account you post and credit report. 
I am demanding validation made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act along with the corresponding local and state laws. Note that I am requesting validation that is competent evidence bearing my signature showing that I have ever had an obligation to pay you. 
Please also be aware that any negative mark found on my credit report from your company or any company that represent for debt that I do not owe is a violation of the FCRA FDCPA therefore, if you can not validate the debt, you must remove. 
Pending the outcome of my investigation of any evidence you submit you are instructed to take no action that could be detrimental to my credit report. Failure to respond within 30 days of receipt of this letter may result in legal action against your company or XXXX dollars in damage per violation for : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Sec 807-808 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Sec 623 ) Please be aware that depending upon your response, I may be detailing any potential issue with your company via online public press, including any documentation of any small claim action. I am also sending a copy of my complaint to the Consumer Finance Inspection Bureau. 

Credence Resource Management XXXX XXXX XXXX XXXX XXXX Debt XXXX Credence Resource Management XXXX XXXX  XXXX XXXX XXXX MI  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2018-08-25
Company: Westlake Services, LLC
State: TX
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 have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXXr XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX 's Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-04-24
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Bureau Systems Inc. was collecting medical bills. They sent me a notice of collection with a website where I could pay. I went to the website and clicked login, login however was for businesses using the service not for the consumer that they were attempting to collect. so i clicked pay bill which gave a disclaimer and then a page to enter your routing and account number or credit card number. Nowhere did it show you what you were paying or confirm that you were paying bills you owed. i called the customer service number and requested a login where they confirmed I don't have one and suggested I contact the attorney 's office associated with the account. I asked for an itemized bill which I never received. I don't think it is fair collection practice to not show a consumer what they are paying. it seems very unsafe to enter account or credit card information into a website where you have no details on what you are actually committing to pay. This all seems like a fraud to me however, I have since been served with a law suite over this. this seems like a very unfair collection practice and unsafe in this day and age to blindly enter account information without understanding what you are paying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation