BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: DYNAMIC RECOVERY SERVICES, INC.
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
states its from a payday loan during my service time in Texas 10yrs ago. Military was not allowed to do payday loans at that time and most places would not even let you apply. But i receive repeated calls over the last 9 months. Will not verify debt. Requested debt be sent back to original debtor for proof of debt, Dynamic Recovery explained it would take 1 week to not receive calls anymore. That was XX/XX/XXXX. Most calls hang up on me, others will be rude and dismissive and never will a voicemail be left. Most recent call today XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I / we have received numerous phone calls from an American Express agent in regards to an account that none of the individuals he has been calling have any responsibility or ownership. 
I consider this approach harassment and unprofessional tactics related to a Company I believed to be highly credible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received an alert that I have a bill in collection which was a surprise to me so I pull up my credit report and I see something from XXXX a bill for XXXX I dispute this back in XX/XX/XXXX after about a month the item was removed ok great I happy about that. Well this morning XX/XX/XXXX I receive an alert of a bill in collection I know this cant be so I check and not only has XXXX been placed back on my credit report but they are now say the balance is more then double and that I just open this account in XX/XX/XXXX. This is not my account this has hit me hard and has dropped my credit score very much. This cant be right there has to be something that can be done.

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 2023-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 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 XXXXXXXX 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 an account without my written instructions. ''

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 2022-02-24
Company: Experian Information Solutions Inc.
State: NY
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 need to report XXXX account for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the account immediately. Thanks. 

XXXX XXXXXXXX

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 2017-03-30
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Repeatedly has called my place of employment. Was told on several different occasions that they were not to call me at work by the managers. Lady told the manager that I owed her over a 1000 Dollas and she needed it paid today. Was very rude and aggressive toy employers and shared embarrassing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Precise Financial Group, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Kingston Financial, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XX/XX/XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from XXXX XXXX XXXX who claimed to be representing Pyramid Acquisitions. This is probably the 40th call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " Pyramid Acquisitions '' got this phony debt.. .nor do I know how XXXX XXXX Solutions of XXXX , South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I recently reviewed a copy of my credit report, I was shock to learn, i've been a victim of idnetity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Internal Check Systems, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-01-04
Company: Advantage One Credit, LLC
State: MI
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Can't contact lender

Complaint:
On XX/XX/2016 I took out a Auto Title loan from the company Advantage One Credit LLC for the amount of {$1500.00}. I am being charged a APR rate of XXXX %, but I am being charged finance charges daily. I fell a month behind and in XX/XX/XXXX when I called to state that I would be paying XXXX months of the loan minimum amount, a male employee started yelling at me and said if I do n't pay {$370.00} by the XX/XX/XXXX he would " love to come and take my vehicle and sell it ''. I was trying to reason with him and he just kept yelling and calling me names. I did pay the {$370.00} with money borrowed by the XX/XX/XXXX. I was then late with the XX/XX/XXXX payment as I had to pay the loan I got from a family member. My due date is the XXXX of each month. I received a statement for XX/XX/XXXX but I did not for XX/XX/XXXX. On XX/XX/XXXX, I called the company at their phone number XXXX from the time they open until they closed. I left numerous messages and I never received a call back. I look online and advantageonecredit.com and it said we will be back online soon. During this time I was concerned they would repossess my vehicle. On XX/XX/XXXX, when I tried to call again the recording stated " Please be advised that we are no longer servicing Advantage One loan. If you are an Advantage XXXX customer, someone from Advantage One will contact you. '' That phone number was XXXX. I tried leaving messages but the mailboxes were all full. I checked online everyday and there was no website. I made a complaint with the Michigan Attorney General 's Office and they sent a letter to Advantage XXXX in XX/XX/XXXX. They still have not received anything back. Today on XX/XX/XXXX I checked online and saw there was a new address, and phone number for XXXX XXXX in XXXX, previously in XXXX. I contacted my State Attorney 's XXXX XXXX and they urged me to make a complaint with the CFPB. This is a tribal title loan buy it actually states a " XXXX of XXXX ''. Also, the loan agreement does not include a TILA Box according to XXXX XXXX from the Michigan Attorney General 's Office. She did state she would send another letter to the new address, but since it is tribal, they may not reply. They do not hold a license in the XXXX of XXXX. I have almost paid back the {$1500.00} back, just shy of about {$50.00}. To this date I have not received any communication from Advantage One XXXX by mail, phone or email.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
They refused to change all false addresses, phone numbers, names and employment from my reports on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
I have contact all credit bureaus and submitted disputes and nothing gets fixed I called the company of the inquiry and they tell me they never ran my credit I need this addressed. Multiple disputes I've placed and nothing gets resolved with credit bureau.

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 2017-04-02
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX : {$2000.00}

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2016-06-27
Company: High Point Asset Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted today by XXXX ( extension XXXX ) from XXXX XXXX XXXX ( XXXX ) and advised that she was calling in an attempt to collect a debt. Knowing I have no accounts in collections or accounts with debts owned on my credit. I could only assume this involved the previous debts I disputing with High Point Assets in previous CFPB complaint XXXX and XXXX. XXXX confirmed the XXXX accounts had recently been purchased and wanted to know when I would be making payment. I advised the her company purchased fraudulent debt and the amount I was being accused of owing was already in dispute with the FTC and the XXXX, and issued her complaint numbers. She did not care. High Point Assets was never able to validate the debt they said I owed yet were able to sell this supposed debt to another agency. I humbly ask XXXX to break this cycle of buying and selling fraudulent debt and resolve this issue once and for all. In the mean time I will be issuing a certified letter to cease and desist communication attempts.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hope this email finds you well. I am writing to you today with a heavy heart and a sense of desperation regarding an incident that has profoundly affected my life. 

I am an XXXX XXXX from XXXX who came to the United States in XX/XX/XXXX, determined to pursue my education and build a better future. Since XX/XX/XXXX, I have been juggling the responsibilities of being a XXXX  and a XXXX XXXX, striving to make ends meet and contribute positively to my community. 

On XX/XX/XXXX, I became a victim of wire transfer fraud, losing {$20000.00} from my Chase Bank account. Considering my background, this is an astronomical sum for me, as my family of XXXXXXXX XXXX on an annual income of just {$5000.00}. The stolen money represents a generational wealth for us, and its loss has devastated me. 

Despite my immediate efforts to report the fraud on XX/XX/XXXX and seek resolution, Chase Bank denied my claim. They suggested that I either approve the transaction or benefit from it, which is untrue. The impact of this incident on my life can not be overstated, and I feel an immense injustice has been done. 

With its {$13.00} XXXX in net profits last quarter, Chase Bank may consider {$20000.00} inconsequential, but for me, it is a life-altering amount. 

Could you please help me with this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Credit reporting 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:
XXXXXXXX XXXX XXXX did an inquiry for a loan, I did not do the inquiry and also XXXX/new American fundin as well. Both I dont remember authorizing! 

XXXXXXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX/new American fundin XXXXXX/XX/XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation