BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX XXXX no longer works with Regional Acceptance. I am in a XXXX XXXX since XXXX. I bought the car XX/XX/XXXX being told the XXXX payments not to worry! That in 6mo I can refinance! It is now 17months later and tried to refinance but RAC my interest is so high that no bank or credit union can approve me. I find it over valuing or over charging. 172 percent over the cars value. It is a XXXX. My down payment was XXXX and I have already paid them over XXXX. The car was XXXX. They take XXXX of my XXXX payment just toward interest. 300 month plus insurance is affordable. It is bankrupting me literally owning this car and I must have a car. I am a NJ field rep. Even my employer has tried to ask them to work with me. They don't listen and my dealer too stopped working with them! I make just XXXX XXXX gross a year single parent with a mortgage and all this time paying this amount when during the contract process as was told at 6mo I can refinance for lower. Now I lost so much time and money. I cant save and also the vehicle doesn't take standard oil change! My oil changes are XXXX. The point is their managers do not call you back. If I pay this loan for 6 years at XXXX net a year that's XXXX for what should be a XXXX loan. I could be in a brand new vehicle. This is a XXXX vehicle XXXX by XXXX. Their math their loan practice and lack of working with the credit union or other sources they referred me to. XXXX XXXX and XXXX XXXX all say to refinance you can't be more than 125 loan to value. Regional is 172 percent and I am in my loan since XX/XX/XXXX! This is too much too suspicious and almost robbing me as a consumer. I cant be charged all this. My credit score is XXXX. I am a XXXX survivor and work full time. This stress is affecting me in a financial and physical way. I pay them and currently have a half payment due. I am trying to correct this cost asap and get into a more reasonable payment that is sensible fair and affordable. With insurance before any maintenance or gas this car is almost XXXX a month. Again at the time of sale I was told if I took the vehicle in an hour papers were signed and days later they began the final contract locking me into XXXX and here we are XX/XX/XXXX. I could have refinanced as promised at contract 14 months ago! I can not afford to keep losing money. The tactics are very wrong. Please see what you can do. Thank You.

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 2019-05-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX-XXXX-XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : 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 2022-11-03
Company: Experian Information Solutions Inc.
State: WA
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. 

Account name : XXXX XXXX XXXX XXXX XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have multiple accounts with company but for various retailers. I have pep boys, PayPal, and care credit to mention a few. My situation is directed to my care credit. I have been experiencing a lot of situations on my cards and my accounts with your company are having some of the same issues. I feel like there is another person gaining unauthorized access to my accounts I have been requesting copies of my statements since my relocation in XX/XX/XXXX. 
I'm trying to verify what is mine and not authorized. I have also been confused on a few things I have seen. 
I want to verify my profile info for all accts, get statement copies, and find out how my account was changed without notifying me. I would like to get the addresses on file? I want to verify how many cards on each account, make sure there's no virtual cards on acct. 
Most recently, I have been needing to get some major work done on my teeth which I use care credit for. I had opened up my acct info online and noticed that somehow my care credit was changed, the last name was my old last name from a previous marriage that I had returned to my maiden name back in XX/XX/XXXX. I was curious when my name was changed and why? I never had this acct back then and have dealing with a situation where I believe someone is gaining access to my accts and using information to obtain documents which may not be real and have made my credit and ability to use my cards in an emergency like I'm about faced with now a real problem. So I would like to know where it's been used too.

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 2023-04-21
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted by XXXX XXXX by text message. I thought that the reason for the contact was to facilitate the sale of my loan from Great Lakes to Nelnet services which I was previously contacted about by Great Lakes. The person XXXX XXXX asked me questions to fill out a form to mail to Nelnet. This form contained the charging of a fee of {$290.00} dollars by electronic automatic debit and auto-payment of my Student Loan of {$49.00} dollars a month for the duration of the loan which was emailed to me when completed. I was to create a hard copy and mail it to Nelnet which I did. The next day I received from FSA an email entitled " Suspicious Activity on Your Student Loan Account ". Upon getting this email I called Nelnet to find out what the consequences of the application I sent to them was. They told me on the phone that the application was received and rejected because it was " incomplete ''. I directed them to void it and put a note on my account to reject any other contact with the company XXXX XXXX. I also called FSA to find out if any information was requested to be changed or new loans created on their end. Thankfully nothing was changed. They told me that the password was changed and for me to change it to something that only I knew because XXXX XXXX most likely still knew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit Services, XXXX XXXX  XXXX XXXX, XXXX NY XXXX began calling me the end of XXXX or early XXXX claiming to be collecting a debt for XXXX XXXX XXXX XXXX. I informed them I did not have XXXX XXXX XXXX nor had I ever. 

On XXXX XX/XX/XXXX, after repeated phone calls I contacted my police department and filed a suspicious activity report. Soon after the fraudulent collections appeared on my credit report using an address in XXXX, Texas ( I have never lived in Texas ). 

On XXXX XX/XX/XXXX I called Sunrise Credit Services and explained again that is a fraudulent account. They said they would send a Fraud Report. They never did. 

On XXXX XX/XX/XXXX I mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received any response. 

On XXXX XX/XX/XXXX I again mailed them certified return receipt notification downloaded from the Federal Trade Commission. A " XXXX XXXX '' signed for the letter. I never received a response. 

In each of the two mailings I have provided proof of my identity and proof of complaints filed with the police and with the Federal Trade Commission.

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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2021 payment was not reflected and shows missed! Ive had the card for 4 years and not missed a payment! I called customer service and they agree the payment would be cleared! Its not fixed!

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 2018-03-07
Company: SYNCHRONY FINANCIAL
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:
Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-01-05
Company: Experian Information Solutions Inc.
State: NY
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:
This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-04-03
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am an XXXX XXXX  and due to the Covid-19 situation, my income has gone to nearly zero. I am also self-quarantining as the federal and state governments have requested. 

I called my lender, Exeter Finance and asked them if they could help me by deferring payments and they said no. I said " I thought lenders were supposed to help customers right now '' and they said " it's up to our discretion and we're not going to help you. '' I bought my car in XX/XX/2018 at an interest rate of 23.78 %. The amount financed was {$26000.00}. I have paid them a total of {$14000.00} and my current loan balance is {$24000.00}. 90 % of the money that I have paid them has gone to interest and they will not help me. 

Their agents were rude, disrespectful and vaguely threatening. I would not advise anyone to do business with this company. This has been the worst consumer finance transaction of my life. Exeter had to pay a multimillion dollar fine last year in Massachusetts for predatory and usurious lending practices with sub-prime consumers. Avoid them like you would Covid-19!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter dated XX/XX/XXXX that I was short in escrow by XXXX and my payment will go up XXXX a month. Called no one answers. Spoke to XXXX on XX/XX/XXXX she said she could spread balance out over 48 months. Not the answer Im looking for as I am not short in escrow. I had a balance of XXXX in escrow. I told her if they charged me this amount there would be an excess of XXXX at the end of the year. She said they could only keep XXXX in account at end of year. XXXX said to speak to supervisor XXXX XXXX. Left her a message she never called me back. XXXX said XXXX would call back in 48 hours. On hold multiple times over the course of the next few days sometimes 2 hours plus and no one answers. Spoke to XXXX in XX/XX/XXXX she said XXXX is working in escrow account. Requested trust ledger from XXXX XXXX ( my loan was transferred to Gregory funding on XX/XX/XXXX ) escrow balance at time of transfer was XXXX called on XX/XX/XXXX and XXXX stated it could take a month. Called on XX/XX/XXXX and no one answers your just on hold over a half hour. My current escrow balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company continues to report a copay as past due. They know that my insurance was 100 percent responsible and that I was too late to file a complaint against my insurance. I had met my deductible 100 % XXXX should have paid this debt at 100 percent and this company was advised of the situation. Because I had gone past 200 days the insurance refused to reverse the charge. I in turn went ahead and paid the bill over a month ago, yet they continue to report it as not paid. This is negatively impacting my credit report and my family! I believe they are doing this intentionally because I complained previously as this should have never been reported. This really irritates me because if you run a business, run it correctly or shut it down!

Company response to consumer: Closed with explanation