BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
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:
XXXX 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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 explanation
Consumer complaint received 2023-07-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
For several months, I was not able to access my XXXX XXXX account ( Comenity Bank ) online and would get an odd error message. I would also get the same error message when trying to change my password ( to try to clear the login issue ). I have had the account for many years with paperless billing. Before paying the current bill in full, which is my standard practice, I always review the specific charges first, which I could not do, since I could not access my account. In the meantime, I knew the minimum payments would be made because I had set up autopay. I called approximately 2-3 months ago and the customer service person I spoke with confirmed the login problem for my account, and said I should try again in a week and by then the login difficulties should be fixed. She also said they would start sending me paper bills. Two weeks passed, and I still couldn't access my account and I have yet to receive a paper bill. So I called back, and that customer service representative also acknowledged the login problem with my account and unregistered my card so I could reregister it and hopefully clear the log in problem. But, when I tried to reregister, the registration function was down and was not available. The customer service representative who had unregistered my card acknowledged this, and said I should try again later. Two to three weeks later, the registration function is still not available, and I have still not received a single paper bill. So I called again today. This time I paid my bill in full over the phone, without an opportunity to review the charges, because I already had a late charge. When my card was unregistered online, my autopay election was also cancelled apparently. The customer service representative today has put in a request to reverse my late charge. She also said I needed to work with my local post office, to see why I am not getting my paper bills. I live in a very densely populated urban neighborhood and the mail delivery is notoriously poor, which is why I always elect for paperless statements. So now I also have to worry about the fact that paper statements are being delivered to the wrong address, on top of not being able to check the charges actually made to my account. She suggested I keep using easy pay function ( which does not allow me to review charges ) and said hopefully the card registration feature would be fixed. I simply gave up and today paid my account in full, without an opportunity to review the specific charges, including any interest that had accumulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.

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 2022-04-05
Company: Kansas Counselors, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an XXXX XXXX  visit with a local XXXX. I submitted my health  insurance  card at the times of service. Several different providers billed my insurance for the visit, one provider did not. Instead of billing my insurance for the visit this provider marked it, according to the collection agency they sent it to, as " self pay ''. The collection agency refuses to send the debt back to the original provider to be properly billed by my insurance carrier. Despite being informed of the fact that the billing on the account wasn't properly handled and the amount owed is inaccurate, they insist it is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
First of all I am very glad to have your office which investigates the violations caused by big companies such as Toyota motor corporation which deceives millions of customers by selling defected cars as the results millions have been affected by the fraudulent tactic of dealers at care sales. 
I have purchased XXXX XXXX XXXX in one of the XXXX dealership XXXX XXXX Minnesota in XX/XX/2018. six days after I purchased the vehicle, I have found out that the van I bought has a big mechanical problems. it does not accelerate as it should, noisy engine, consume gas more than it should. I reached out to the dealers and addressed the safety issues the car had. they advised me to bring the car for inspection. They checked and told me that the car did not have any problems and you should drive it. I then picked up my car and immediately after two days the same problems happened with the vehicle, it does not accelerate in a busy highway which is very concerning. the drives from the back can hit me or able to involve in the accident due to the fact that the car does not accelerate faster even if given gas. I have addressed the issue for the second time and request the dealers to change this car for me with out trading options because it is only less than a week ( 6 days ) after purchase for {$27000.00}. they said we can not exchange the car with out trade and you have to trade. I informed them that I could may not get approved from the bank and please help me to exchange this vehicle as it was not operating well and is dangerous to drive on the road. I then called Toyota financial services who loans the car and talked about the dealership experience. They also told me to contact dealership for resolutions as I purchased car from them. I contacted again if they able to help me with car exchange not putting trade on the table because this is strange to have a car which has only XXXX miles and inspected by dealer and I should return this vehicle back. XXXX XXXX XXXX used car manger who could able to solve the issue said to me that we can not help you with exchange even though the car is defected and said to me that you are responsible for the car payment. I gave up and left the dealership and have been divining the defected vehicle which is a safety threat to me and my family as of today. Toyota financial services and car dears has denied my request ignored me when they realize that the care is not safely operable in the high way and they still insist that the car is safe which I do know is not safe to drive. I have therefore, paid {$27000.00} and not been happy with my car and have been very frustrated and concerned so much about safety of me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: U.S. BANCORP
State: NC
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:
I made a purchase on a card with US BANK where I have 3 other balances on this specific card that are at 0 % interest. I have made well over, hundreds of dollars, over the minimum payment and yet the balance for the small purchase with interest still remains. My recent statement XX/XX/21 states that there is still a balance of XXXX on the interest accruing amount. The min on the last statement was XXXX, I paid and additional XXXX. There was a remainder of XXXX in the accruing interest balance, when the prior was only XXXX. I am not sure how that translates to still having an additional XXXX. I called and complained they did reverse 2 months of interest fees but the fact still remains that they are not adhering to current law when it comes to applying payments to higher interest balances first. That was an additional XXXX over the minimum which means that the whole XXXX sitting in the interest accruing balance should have been paid in full.

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 2023-09-10
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, my card was unauthorized used at XXXX XXXX for XXXX and some change. I had no knowledge of this transaction taking place. My wallet had been stolen on the XXXX out of NY car and my card and wallet was in there. 

On XX/XX/XXXX I filed a dispute XXXX with chime XXXX XXXX. I let them know the urgency of my situation as I am a single dad and the money taken was our rent money. I sent two emails as well as a filed police report to ask if my provisional credit could be expedited. Instead chime sent me a generic email twice and refused to let me speak to anyone in the investigation unit. This has been frustrating as they will not issue any updates or respond to request for expedited credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the XXXX order that is issued in the United States District Court for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. 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 2021-05-18
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am one month behind on my mortgage at Standard Mortgage I sent a payment in and they want to send it back cause 2 payments are due. My husband got laid off and we are struggling to pay bills so I wish they would accept my payment.

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 2023-09-21
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Dare : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have debt collection company attempting to collect an unknown debt and reporting false information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account 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 2022-03-10
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I saw on my XXXX and XXXX reports that AARGON submitted a collections file to my credit scores. To the best of my knowledge, I never been contacted by this company and have never communicated by any means. I have had 100 % on time payments for over 20 years. I would like proof of any and all methods, specifically certified mail correspondence, that they previously contacted me and made me aware of the issue.

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 2020-10-01
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was charged for XXXX $ for my recent payoff of this loan in XX/XX/2020. The Welcome letter states clearly payoff statement charge is XXXX XXXX I have called multiple times and no customer service representative can explain why the charge is XXXX $ and what is the base for this charge, even the supervisor XXXX XXXX employee ID XXXX, called on XX/XX/2020 ) also don't know how the charge of XXXX $ was calculated and where is the base for this charge. Since this is not listed on the Welcome letter, this charge is not legitimate. I requested the loan company ( XXXX  LoanCare ) refund me with the over-charged portion. I emailed to XXXX on XX/XX/2020 with ticket # XXXX. I received response on XX/XX/2020 told me the issue was addressed. I emailed back on the same day and told them it was not addressed. On XX/XX/2020, I received response that my requested has been forwarded to the processing team. No further news ever since this email. I followed up on XX/XX/2020. Still no response. 
Please help me to contact the company to solved my over-charge issues. Ive called more than 5 times with more than half an hour each time, emailed them 4 times. I requested them to compensate me for my time spent on this issue and give me an official apology. 

Many thanks for your warm help! 

Best Regard

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 2022-08-19
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I mailed a check in the amount of {$280.00} to Credit Control Corporation in XXXX XXXX XXXX to absolve an outstanding medical bill on my credit report. This check then cleared my checking account on XX/XX/2022. 

I waited an entire cycle before disputing the delinquency on my XXXX  and XXXX credit reports. When I disputed the claim I provided the endorsed check from my bank that clearly shows the bank of the check was endorsed by Credit Control Corporation : Pay to the order of town bank R and B CCorporation of VA. ( then it list their account number, which I'll be more than happy to provide ) XXXX and XXXX refuse to remove the delinquency stating that the claim is verified as of XX/XX/2022. 

On, XX/XX/2022, I called Credit Control Corporation, and I recorded the entire phone call. Not only did the lady state she received my payment, she also stated they don't file medical claims on credit reports. Why lie? All I want is it removed! I paid it, stop lying, and remove it. I have the entire conversation recorded. You can do that in XXXX 

They need to be stopped. They should not be able to take your money then lie! That is disgraceful!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: V and H Portfolio
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the complaint including the 15 U.S.C 1681G Law violation, I have reviewed my credit report and somehow a third party get my information without provided any document who they are and how they get my information, I would like this to be remover off my report, The company : Vance & Huffman they company they are spooned XXXX XXXX XXXX, Get phone call and email try to threat me but could not provide who there are and how long the receiver my information in there office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: MI
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 XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. XXXX  also is reporting this account open when this account has been closed since XX/XX/2017

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