BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Experian Information Solutions 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:
I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXX XXXX - false medical debts on XXXX XXXX Experian ( XXXX deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all XXXX  agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on Experian and XXXX ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX Experian. XXXX deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on 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 2019-05-10
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
We purchased a 2018 XXXX XXXX XXXX XXXX On XX/XX/XXXX for XXXX and being charged a 26.59   % interest rate due to low credit score. Payments are XXXX a month for 72 months and will have paid XXXX XXXX dollars for this car when its paid in full. Outrageous interest rates for subprime borrowers should be illegal and its predatory since neither of our credit scores were that good but this is highway robbery. Even in 2 years we will still owe more than the car is worth and this particular lending company has been sued for predatory lending already. What recourses do we have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XX/XX/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 2022-03-18
Company: EQUIFAX, 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:
I am trying to get a home improvement loan and the agencies are not removing old fraudulent & incorrect entries on my report. I requested removals several times both online and via mail. Many of the companies reporting fraudulent info had mail bounce back from XXXX with invalid address when I tried to contact them. 

XXXXXXXX XXXX - false medical debts on XXXX XXXX XXXX ( Equifax deleted it ) XXXX XXXX & XXXX XXXX- duplicate secured card accounts that were closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on all three agencies XXXX XXXX - secured card account that was closed in XX/XX/2017 with amounts due to me incorrectly reported as chargeoff instead of closed with XXXX balance. I also never received my refund. This in on XXXX and Equifax ( TU deleted it ) XXXX court - this false information is still being reported even though I requested proof of their source XXXX times via mail. No response from XXXX XXXX XXXX. Equifax deleted it. 

Fraudulent inquiries from XXXX and XXXX that only appear on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2022-12-31
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
XX/XX/2021 I requested a wet signature signed contract that I owe credit acceptance! They have also placed a late payment on the account And the account is closed. If the company can not send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!

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 2022-03-18
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX contacted me XX/XX/XXXX about a debt I do not owe to XXXX XXXX they purchased. I contacted my current insurance to fax a letter saying I cancelled properly. I thought it was settled. XX/XX/XXXX they contacted me to collect the same debt that was taken care of my insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Repeatedly sent letters disputing all 8 accounts listed with XXXX XXXX XXXX. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the credit one account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!

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 2017-11-19
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I submitted several complaints including but not limited to the following : XX/XX/XXXX (  XXXX - open ) and XX/XX/XXXX ( XXXX - closed ) I submitted complaints to CFPB in regards to my loan with XXXX XXXX XXXX. In XX/XX/XXXX XXXX XXXX XXXX  acknowledged that they inadvertently entered loan information in a manner that was inconsistent with the loan documents my husband and I signed in XX/XX/XXXX. In their letter attached they stated that they were going to correct this and send correspondence confirming such changes. To this date, they have yet to do so. Furthermore, they have failed to process our loan modification application from XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Each oof the inquiries above where done without my permission or knowledge and have ask them to please fix them by removing the inquiries. 
* My name is incorrect showing XXXX XXXX on my file Each of the below are incorrect addresses on 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

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 2020-03-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges. The past complaint was closed unsatisfactorily. I uploaded documentation saying the refund was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian, Please disregard this complaint : XXXX - I uploaded my boyfriends contacting details versus my own by accident. 

Please update my address on file for Experian. 

Please check the Experian notes - I have called in numerous times to have this resolved - there is no address on file - and I cant obtain credit. 

Attached are my letter, drivers license, social security card, and proof of address.

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 2019-05-21
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A while back I was a co signer for my daughter as well as a person they could call on a second account for her. The account I was a co signer on as been paid off and her original account I was just a person they could call if they couldn't get ahold of her. Since then she filled bankruptcy on her account, but now the company has placed my name on the account with her address and are trying to sue. I have never lived at her address, nor been a co signer for that account. All of this is with XXXX/Calvary Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, Transunion, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23

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 2020-03-11
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Professional Collections Bureau of Maryland took my {$740.00} tax return when I never received any written communication from them and I was unaware they had any involvement with my student loans because I just completed a loan rehabilitation program and have a letter stating that my loans had been removed from default status. Repeated phone calls to this company go unanswered and always go to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company is attempting to collect debt that has been XXXX through Chapter XXXX Bankruptcy in XXXX of XXXX  Over the years, this debt has been purchased and sold by numerous debt collection agencies. This nonsense has got to stop. This company is well aware of the XXXX status of this debt and they are well aware of the expired statute of limitations for debt collection. The purchasing, selling and repurchasing of debts XXXX in Bankruptcy should not be permitted. The debt they are attempting to collect was XXXX XXXX  years ago! I should not have to continue dealing with this nonsense from these collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
On XX/XX/23 I closed/ payoff a business line of credit with PNC bank XXXX The Payoff Disclosure document contained " exhibit A payoff information ''. The charges were assed as follows : " Other fees '' {$170.00} ( with no description of fees?? ) & {$94.00} in late charges all of which were waived by the bank during the ~20year course of the line of credit. I initially spoke with PNC case manager on XXXX by the name of " XXXX XXXX '' for an explanation of the charges. During this date & all subsequent dates of contact with the case manger the same activity took place. I would be put on hold several times during the call while they claimed they were reviewing my account. On every single occasion she would come back to the phone and tell me they did not find any " exhibit that referred to my complaint & further investigation would be required. I was continually told someone would get back to me in a 48hrs of the contact, " which never happened ''. I spoke to XXXX XXXX on XX/XX/23 who indicated she would request copy of the " payoff letter '' and of course said she would get back to me, " which again it never happened '' I filed a complaint in a follow up PNC survey last week. & XXXX XXXX responded to the survey she would be contacting me soon ' to date I have heard nothing. In conclusion this matter is appalling and shows the shear incompetence of their inability to resolve simple issues. A case manger that can't retrieve a closing document from her own bank is pretty pathetic. PNC bank has no intention of providing a refund or a plausible explanation of these charges. As far as I'm concerned this is '' theft by taking ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Originated loan XX/XX/XXXX with InstaLoan ( XXXX XXXX ). I immediately defaulted. Made payment arrangements and started to make payments in XX/XX/XXXX. Defaulted again in XXXX. Vehicle was illegally repossessed by means of breaking entry, trespassing and vandalising property ( local police case was filed same morning ). Recovery agent unhinged and damage my XXXX double gate, traveled inside property over XXXX ft to get vehicle from under car port which is under the roof of house structure. Damaged tiles on floor with lift from tow truck as well. Partially hinged gate back up after he exited property. I paid vehicle off within XXXX hours and they initially waived the {$400.00} recovery fee in lieu of events that transpired inside my property. I was finally able to pick up vehicle on third day and it had considerable damages to the lower front end as well one of the rear rims, the cooling fan to the radiator. I have already repaired the cooling fan to assure that is mechanically worthy ( {$550.00} ). The cosmetic repairs are pending ( another $ XXXX in damages ). All things that delineated upon pick up, including an envelope with {$3200.00} from my client that I perform accounting/HR services for on a weekly basis that was in the driver door. I filed a claim with XXXX XXXX who is there principal recovery service and they had assigned it locally to XXXX XXXX and XXXX. The claim for damages was denied and a complete waste of time. I called to find when I would be receiving my title and they advised it would not be released without me paying the {$400.00} recovery fee that was initially waived or without my signing a XXXX XXXX, which includes a full hold harmless clause in the first XXXX paragraphs. I refused naturally, but yet my account was settled in full. I have not title to my vehicle and certain that after XXXX  days, it will once again put me in a position of default making my vehicle and my property eligible to be target again for a recovery. The recovery agent is case being viewed as XXXX, but the case is being reviewed as the XXXX clearly didn't occur in my property without Breaking Entry, Tresspassing and Burglary to Occupied dwelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

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