BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Exeter Finance Corp.
State: IL
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:
Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with Exeter finance company about a debt is not owe to me and which turned into a collection with XXXX XXXX, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked Exeter and XXXX XXXX for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to Exeter and XXXX XXXX To : XXXX XXXX XXXX Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear XXXX XXXX XXXX XXXX Exeter Finance Co XXXX 

Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. 

Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed.

If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! 

The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX  XXXX showing late payments 4 times XXXX XXXX XXXX XXXX in XXXX not accurate XXXX  XXXX showing late payments 2 times XXXX XXXX XXXX target showing late payment 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX received an email from XXXX XXXX that I was 60 days late on payment. I paid this card off in XX/XX/2022, had not activated the new card so I was confused. I called the company and they stated it was annual monthly fees. I had no idea they charged this monthly so it was reported to the credit bureau past 30 days and it dropped my score XXXX points!! I have worked hard to build my score so I contacted them about removing this from my report as I have never been late before and was unaware of this monthly fee on XXXX and XXXX they stated they would contact the bureau but this is still on the report and my score has not been restored. Please help.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: DE
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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, 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.

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 2019-07-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/XXXX I called XXXX XXXX to inquire on the cost of coverage for a home I was in the process of purchasing. I received a quote but decided to go with another company. About a month later I received a bill in the mail from XXXX. I called the company and was told it would be taken care of because there was a misunderstanding on the companies behalf. A year later the account showed up as a collection on my credit ( I can not remember which collection agency it was listed with. ) At that time I disputed the account as not mine and contacted XXXX to advise. A representative again told me it would be handled. Then in XX/XX/XXXX the collection appeared again on my credit. I called XXXX and spoke with a supervisor who advised he would contact CCS Collection to have the account removed. He stated it would update on the credit bureau within 72 hours. I never signed any documents or agreed to use XXXX as my insurance company, I only asked for a quote. I chose XXXX for my homeowners insurance in XXXX of XXXX so I should not have been billed for anything because XXXX did not provide me with any coverage. My mortgage was set up with an escrow account which I would have provided the insurance company 's information to had I used them ( escrow was a requirement. ) Also I never received any type of communication from CCS Collections. I have been told repeatedly they would take care of the situation and three years later, there is still a collection reporting to my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Portfolio Recovery Associates for a debt that was included in a Bankruptcy. They told me that if I was able to pay a reduced amount that it would not be held in collections or need to be included in the bankruptcy filing. I paid the amount ( without having it verified ) requested by the Company, as they were pressuring for immediate payment on the phone or the account would not be settled. I had no time to ask for a letter in writing or any other form of proof. I paid the amount requested, and the account still shows as a collection on my XXXX and XXXX credit reports. 

This reminds me of a published report on PRA bad practices by the CFPB : " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' ( published on XX/XX/2015 ). 

I spoke to PRA and disputed the item several times, that now the Credit Reporting Agencies are telling me that I can not dispute this item again without additional information. 

I feel like I was manipulated and lied to, and now the CRAs are allowed to disregard my dispute on a technicality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: XOOM CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am writing this complaint from a sense of utter frustration and disappointment at the way this transaction was handled by XOOM/XXXX   and how their Customer service department has been communicating the status. An amount of {$530.00} was supposed to have been deposited to a bank account in XXXX using the XOOM money transmission service and now after 10 days the recipient and the bank in XXXX - XXXX XXXX XXXX  has not received the funds. I have been in constant touch with their Customer service and they have been a complete waste of my time and this is why I feel very strongly that there is something very fraudulent about this transaction. I need to know exactly to which bank account number this transaction deposited the monies to. The history of this transaction on the XOOM website does not spell out the complete account number. If the monies went to the correct account, where did the hand off fail? The XXXX XXXX XXXX  authorities are saying the monies haven't hit their bank. I would really appreciate your intervention for a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
In accordance with the Fair Credit Reporting Act, 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. 

- I did not give any written instructions to furnish an account to any consumer reporting agency. 

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX Account # XXXX 2 ) XXXX XXXX XXXXXXXX XXXX Account # XXXX 3  ) XXXX XXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) Dept of ED/Aidvantage Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXX Account # XXXX 8 ) XXXX XXXX Account XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXX XXXX Account XXXX XXXX 11 ) XXXXXXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX & XXXX XXXX Account # XXXX 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.

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 2018-05-20
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have requested a signed legal document between myself and the said lender collection agency, Collins Asset Group, this is my second attempt requesting a contract to validate my signature and agreement with the collection agency, as they continue to send ask me for my personal information to follow through with their investigation, they also forwarded me documents from the said lender, but not their agency. At this time I am requesting to file a cease and dismiss of collection from the said agency as they have failed to provide supporting documents by and between their agency and myself.

1st contact dated : XX/XX/XXXX 2nd contact dated : XX/XX/XXXX collection amount {$8100.00}, opened XX/XX/XXXX without my agreement nor signature. Collins Asset Group XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: TX
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:
hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: TX
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 reached out to experian and XXXX  several times trying to resolve an issue within my credit file. My personal information was exposed in several data breaches including XXXX data breach the ost well known. Since my information is in the hands of the XXXX XXXX there are several accounts on my credit file reporting that I never opened and never gave consent or permission to be opened under my name. Most creditors have already resolved the issue for me but there is a few stilll remaining that are not following the law and are not investigating. I reached out firectly and they cant give me any inforation due to the fact i cant answer secuirty questions about the account when it was opened. This is not right and is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Credit inquiries on your report that you don't recognize

Complaint:
My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX-spring Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a check issued to me in the amount of {$3800.00}. The bank notified me that the check was fraudulent. I had no knowledge of that. Deposited the check for the first time since having the account. I had monthly social security deposits in the amount of {$510.00} going in the account every 3 rd of the month. Bank ( fraud department ) told me the account is going to close and they will issue a check to me with any funds owed to me. It's been over 2 months now and I haven't received my money. Every time I call they'll tell me the same thing. I need the money for my XXXX child. They haven't closed the account and it's been 2 months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is the original account And XXXX XXXX is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.

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 2022-08-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XXXX. XXXX XXXXXXXX XXXX XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: JPMORGAN CHASE & CO.
State: VA
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 took my father who has XXXX XXXX down to Florida, when we arrived at XXXX XXXX. When I went to get him and his XXXX  and XXXX XXXX off the bus, I left my XXXX purse with his medications, and my drivers license, my debit card and a Chase XXXX  card in the wallet, I found a police report. I also checked with Los and found the purse was never found. I provided Chace with the police report and paystubs where I was back home when the card was being used and I also provided them with proof that I had to replace my fathers medications. They still are saying I am responsible even though I found the card as lotta stolen, lost. I lost the card on XX/XX/XXXX and I returned back home to Virginia on XX/XX/XXXX the card was used. through XX/XX/XXXX after several phone calls to them they ended up issuing me another card but failed to cancel that card until I called a second time on the XXXX. and on top of that theres about {$1200.00} in charges that I can see and theyre charging me over {$3200.00} and not showing me half the charges that theyre charging me for.

Company response to consumer: Closed with explanation