BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/23 I contacted collection agency Medicredit to set up payment plan for account # XXXX. And agent brought another account was to be due soon and was brought up but I focused back on the account I was calling about. And called back and paid my first payment {$56.00} on XX/XX/23 giving this account number # XXXX. New Agent brought up another account that they just received and I explain to them that I am paying the one I am calling about and talking one debt at a time. And I confirmed that the payment will be applied to the right account and he lied to me and said yes. Reason I know he lied is because when I called about making s payment arrangement on the second medical bill collection account # XXXX on XX/XX/23. Spoke to XXXX at ext XXXX. She gave me a lower amount. So thats when I knew they lied and applied my money to the this account with out my permission. Agent said give them until Thursday XX/XX/23 to correct it. So we finished the call. So I called Agent XXXX back at extension XXXX to cancel my second arrangement on # XXXX. I told XXXX XXXX that was shady and I dont trust you all and I am going to report this. They cant do that. They cant take no ones money and apply it where they see fit. Collections dont work that way. She conveniently says she was just about to call me to let me know that they credited my money to the right account. They supposedly record everything. You can listen to my recordings for those dates if needed. Thank you for looking into this and for your time in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: MN
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:
The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 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

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 2020-09-15
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2019-11-11
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received an unsolicited pre-paid mastercard from Brinks. I did not participate in any promotion. There is supposed to be no balance positive or negative on the card.

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 2019-11-11
Company: Midwest Recovery Systems
State: CA
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:
On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call. 

I disputed the information via XXXX  and it came back verified. I have not been contacted by this company. 

I learned through a search that several other complaints on this company doing the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
This should not have ever been reported as a repo -- the account was less than 30 days delinquent at time of repossession -- at some point the account went 45 days delinquent - the account was brought current but they forgot to remove the repo order ( per the representative ) but because it was repossessed the only way for me to get the motorcycle back was for me to pay the full balance which I dont feel was fair -- now it shows a invailid deficiency balance -- the motorcycle company feel that it should not be repossessed but they cant do anything s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was Stolen. since I found out I denounced it and the company what it does is send a letter saying that it is mine without sending me any evidence, since I asked to send me some proof that I am the owner of this account This is like other Accounts that were used fraudulently and I denounced them without having a correct answer, and damaging my welfare and putting my family at risk I know they are discriminating against me because I know that people of American origin they Help with their identities when they steal it his identity. 

I report this to XXXX XXXX POLICE REPORT DATE XX/XX/2017 CESE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from TransUnion or XXXX about these accounts.

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 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear TransUnion XXXX, I am a victim of an Identity Theft and this is my official statement for dispute. I have accounts on my credit report that dont belong to me. I have never own that accounts and I have had contacted you several times but you never helped me. 
I enclosed in this letter an Identity Theft report and notarized XXXX proving that these accounts were opened due to fraudulent actions. I am also attaching a copy of my Drivers License and a copy of my SSN to verify. 

Please remove these accounts or at least let me know what else I should provide you. 

Name of the account XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/XXXX Name of the account XXXX XXXX XXXX XXXX XXXX It was opened on : XX/XX/XXXX Name of the account : XXXX XXXX XXXX It was opened on : XX/XX/XXXX These accounts were closed by letting the lender know that these account dont belong to me. But unfortunately at that time the accounts were transferred to the fraud department. These accounts are not mine, please remove them from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon.

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 2021-09-22
Company: PNC Bank N.A.
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:
Secured credit card was opened with PNC bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. PNC is only reporting this account to XXXX and XXXX, not XXXX  ... Ive reached out several times to PNC to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Remove XXXX XXXX account from my credit report for inaccuracy. the date last active shows XX/XX/XXXX on transunion, XX/XX/XXXX on XXXX and XX/XX/XXXX 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 2020-09-12
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX I financed a vehicle with Carhop, I was XXXX young and XXXX I needed a car fast, so I went to carhop. I put a XXXX dollar down payment on a vehicle. I financed the vehicle for XXXX with XXXX miles and XXXX a week also is XXXX a month the vehicle was a XXXX XXXX XXXX but strongly looks like a XXXX model. I was not able to choose the vehicle I wanted, they had to choose for me .Not to mention they had me test drive two vehicles and one of them was a XXXX XXXX  and the check engine light was on. so I went with the " XXXX '' XXXX XXXX ( not like I had a choice ) Let me start off by saying when I purchased this car it wasnt even the original car key it was a copy key that they gave me! So the first week I had this issue my car did not start. Now when I purchased the car I was told that I had a warrenty and I have proof of that documentation as well and they were telling me I had to solve that issue on my own, so I called the XXXX  and sure enough they were on it. Then a week after that they told me the car was all set but then broke down a few days later, they had a fellow in XXXX take a look at it and said it was the " fuel pump '' fast foward to a couple weeks after that issue was resolved. My prom night, I was left stranded because my car did not start YET AGAIN. THEN, when I threatened them with the XXXX  and a lawyer they magically found a resolution to start my car. Because it was a ghetto copy key and not the original key I had to turn the key in second position and wait 15 minutes before starting my car again because they KNEW it was a security issue from not having the original key, and the original key contains the chip. I had to do this everytime I started my car. They stated that the security system is causing my car to not start. I got sick of putting money into this junk and let them reposes it. When they reposessed it, the vehicle was not running. Turns out they sold the car for like XXXX dollars, XXXXXXXX XXXX XXXX  value wasnt even worth the amount they were trying to sell it to me for. A few months after purcahsing the car that carhop in Rhode Island was shut down because of the lemons they were selling to consumers, and they were being sued. They sold me a lemon and up until now I felt so powerless I had no Idea who to go to, who to speak to about this. They lied about reporting my payments to the credit bureau and left me with a XXXX lemon debt on my credit report. After reading hundreds and hundreds of consumer reports online, I cant even think to believe how this corrupt company is still in buissness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : XXXXXXXX XXXX XXXXXXXX Account XXXX Account name : XXXX  XXXX Account 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 2020-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX transfer my home Loan to other entity that is part of the same XXXX XXXX XXXX too. And, the name OF THE NEW COMPANY MANAGEMENT MY HOME LOAN is S.P.S : Select Portfolio Servicing , INC . 

I paid in advance the home insurance of XXXX : I did the payment in XXXX XX/XX/XXXX : {$1200.00} to cover XXXX full home insurance year. I wait for the insurance refund and finally with the last four monthly loan payments, I wrote to S.P.S REQUESTING FOR MY REFUND OF $ XXXX, AND STILL WITHOUT RECEIVED MY REFUND. 

I send the refund requested via certified mails : XX/XX/XXXX : Certified mail # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX In addition in the tax information they report the payment of that amount, also the insurance company of the home : XXXX XXXX XXXX send me and sent it to S.P.S THE RECEIVED WHEN I did the payment. 

I have been waiting more than a year, and S.P.S STILL WITHOUT SEND ME THE REFUND.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
XX/XX/2022 I sent out a letter to all three bureaus asking them to provide the method they used to retrieve their information. They responded that they receive their information from XXXX XXXX and bankruptcy court in XXXX, MT. XX/XX/2022 I sent another letter to all three bureaus disputing the information and that they were violating my rights. The information came back as verified by all three bureaus. My information was frozen with XXXX XXXX as of XX/XX/2022 and my bankruptcy was deleted with them XX/XX/2022. I was sent a print off from the bankruptcy court website by the clerk of court, proving they did not provide these companies with my information. This notice of complaint will also be sent my attorney general.

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 2023-01-13
Company: Duvera Billing Services, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My boyfriend and I applied for a loan on XX/XX/ for a dog. The breeder suggested XXXX companies for a loan. We applied at both and XXXX got back to us first. They gave me a loan for {$1900.00} and my boyfriend 's was {$2100.00}. We both had our own loans and loan paperwork. At the time of signing the paperwork we never received copies of what we signed even though we were told we would. My loans was set up for by weekly payments of {$110.00} automatically taken from my bank account. By end of XXXX, I had made 10 payments to the loan. At the time, I decided to check the balance to see how much the principal had changed. When I logged into my account. The loan amount had only changed by {$50.00} when I had assumed it was half way paid off. When I started looking at the website that is when I noticed the interest rate of 138.97 % which concerned me. I reached out to XXXX to try and ask questions and I wanted to get a copy of the paperwork, I explained I could not find the paperwork online. The representative told me they couldn't send me my loan contract through email. I told them I wanted it mailed and emailed. But I wanted my paperwork. They continued to argue with me and said I could get it online and I told them it was broken. Which as I kept explaining was not an option. At some point they agreed to mail it to me and I think I received it 2-3 weeks later. When it finally came it wasn't at all what I expected or agreed to when we had started this process. It shows an APR of 138.97 % and total payments of {$5700.00} and a daily interest rate buried in the paper of .3807 %. Which I never would have agreed to. When I called back to dispute the loan and explain something was wrong. They argued with me and failed to listen or help me with my issues. After the conversation, I immediately went to my bank to close my bank account so that no more payments would be made. They finally called me in maybe in late XXXX and XXXX wanting my payment. I again tried to discuss the loan to understand why the all my payments when to interest and didn't touch the principle balance. But all I got was the run around and a request for another payment. I told them I would not pay without a clear understanding of the loan so they said they were going to turn me over to collections. I never received a call from anyone, not them again or a collections company! Now after reviewing my credit report I see a company called XXXX charged off {$4600.00}. I definitely do not understand that dollar amount. Or this whole process. This has been a nightmare and I'm not sure how to fix it. I feel taken advantage of an deceived. And now they have ding my credit. Prior to them lying and deceiving me I had great credit over 700. This experience has really taken a toll. I have never not paid my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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 information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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