BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My husband totalled our XXXX XXXX XXXX on XX/XX/XXXX. We notified Exeter immediately and advised them the insurance company would move the vehicle. Conversation recorded. We spoke with and updated Exeter on status several times. Again On XX/XX/XXXX, I spoke with Exeter for 13 minutes explaining XXXX would move the vehicle and we would begin negotiations for payoff. Exeter moved the vehicle without permission and effectively repossessed a vehicle that was not in default. They say they mailed a notification on the XX/XX/XXXX and had tried to reach me prior. ( Again I spoke with them 13 minutes on the XX/XX/XXXX ).  They did not. I only saw the notification by looking at my account at a later date. We are still attempting to negotiate payoff. Exeter has made it clear they refuse to release title or work with me on the insurance claim. When I spoke with an agent recently, she became upset that I was recording the conversation and refused to talk further. Each time I call they seem very concerned about recording because of the illegal nature of thier dealings concerning this matter. They have reported a repo on my credit report drastically effecting my score and have made no attempt to help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
It is frustrating for me to continue requesting corrections of this inconsistent information regarding my credit history and account age. I want consistent and accurate information exactly like my consistent and accurate XXXX credit report information. One out of 3 credit bureaus being accurate and consistent is unacceptable. 

My credit history is very important. It tells businesses how I pay my bills. Those businesses then decide if they want to give me a credit card, a job, an apartment, a loan, or insurance etc. 

My account age is considered a medium impact credit score factor as it's not as influential as my payment history or credit utilization, but a higher average account age still positively impacts my credit score. 

Due to the numerous unsuccessful attempts, I have made to have this information corrected and to be consistent I have decided to forward this serious problem to Congressman XXXX XXXX for his assistance in this matter.

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 2021-06-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I feel like this would give me trouble in my futures credit deals, As such I would like this matter to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened up a loan of {$13000.00} on XX/XX/2019. The company was www.upstart.com - and they made me sign a promissory note which is attached. 

The purpose of the loan was to consolidate debt to one loan, and then pay the loan off fast. This co is not letting me pay off the loan. In the second month, I phoned them and asked if I could pay if off early with no penalties. The agent on the phone said yes. 

Recently I started to look at how much interest I have paid, and it is much more than they should have received. If I phone the company they will not explain the interest to me in basic terms. They say it is " compounded daily '' although the pro-misery note attached says it is simple interest. 

I requested to speak to a supervisor who put in a " complaint '' - it wasn't a complaint, rather I am pointing out their accounting errors to them. I have attached their response also. 

It seems, they take what ever they want, whenever I pay extra. Some times, they put 100 % of my payment towards interest. Again, no one at the company can explain the interest charges to me. 

If you look in XXXX of 2019, I paid {$1000.00} to them, and of that, {$530.00} went to interest. I would never agree to this. 

In XXXX I paid {$600.00} and {$250.00} went to Interest. The payments are inconsistent and completely random -

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

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 2020-11-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Had an old loan with PennyMac : XXXX which was refinanced in XXXX, loan was fully funded on XX/XX/XXXX. I contacted the XXXX Tax Commissioner on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they confirmed that county taxes were outstanding with a balance of {$3400.00}. 
I contacted PennyMac on XX/XX/2020 4 times via phone, and via their message center on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in reference to the unpaid county taxes, that were supposed to be paid off at closing. 
During the XX/XX/2020 call I was given the name of the titling agent, who according to them paid the taxes for me, I called XXXX XXXX  XXXX. They indicated that they did not pay the taxes at closing because they never received the funds from PennyMac.

PennyMac said they would open a tax inquiry with their specialists, but they've also stated that perhaps the escrow was used to pay the loan ; however, as another customer service rep also pointed out that the prepaid on the closing cost Details page, under Other Costs it lists property Taxes to XXXX County for XXXX. Which means they were supposed to pay taxes at closing. 
As of XX/XX/2020, the county tax website : XXXXXXXX  still shows the taxes as unpaid, however, PennyMac says that it was paid on XX/XX/2020, but that I have an owed amount in the escrow since I didn't have enough to cover the entire balance, which means they only used the escrow under the new loan number XXXX, and not the escrow balance from the old loan which was {$4000.00}. I called PennyMac on XX/XX/2020, and they said that perhaps the taxes were paid twice : once on XXXX, and once on the XX/XX/2020, I informed them that not only was the county website not reflecting that, but that the agent responsible for paying it off, XXXX XXXX  XXXX, also said they did not. As of right now I have no clue what happened to the {$4000.00}, from the old loan, as it was not used to pay the taxes, furthermore, the taxes are still unpaid, and I may have to pay out of pocket. PennyMac indicated on their closing disclosure that they would pay the taxes, and they have not, additionally, the old escrow balance disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: National Recovery Service, Inc.
State: AL
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:
The issue is that National Recovery Service ( NRS ), an agent of XXXX XXXX XXXX XXXX XXXX has made entries in my credit report stating that I have been more than 120 days delinquent in payments to XXXX in an attempt to XXXX me into payment when both XXXX and NRS are aware that the billing is in dispute. This has been going on for a couple of years at this point and somewhere around {$5000.00} is in contention. XXXX is fraudulently inflating their billing by XXXX XXXX  and are expecting me to pay a portion calculated from their fraudulent fictitious number. Over this time I have sent four letters to XXXX  and another four letters to NRS expressing my concerns. Neither have responded to my letters and simply keep marching on as if I hadnt raised the issues I have. I pay all my bills on time, all the time, with the exception of MW and they report to my credit report that Im some sort of a dead beat. They cover up a fraud with the commission of yet another fraud.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-16
Company: BARCLAYS BANK DELAWARE
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been having difficulty with receiving my card in the mail. I am unsure if it is being stolen in transit, or if there is internal Fraud at Barclay 's, and would appreciate an investigation. 

While attempting to replace my card recently ( after multiple lost cards in the mail ), my card was stolen and used for most of its maximum limit ( {$2000.00} ). While reporting this to Barclay 's I learned about all of the other attempts ( on top of the successful charges to my account ). Barclay 's has since attempted to charge XXXX of the transactions again to my account. XXXX from XXXX and another from XXXX. I have never done business with either. Their explanation is that the perpetrator utilized my mailing address. As the card was presumably stolen from the mail, it is not surprising the perpetrator would have this information. 

I would like to find out if there is a better way to receive my credit cards and statements, as this is not the first this has happened.

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 2021-06-01
Company: AUDIT SYSTEMS,INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Calls from this company started on XX/XX/21. No messages are left. A search on the phone number revealed it was linked to a collection agency. Since there are to many scams going around, I would not call them to disclose any personal information. I placed a complaint on the XXXX. They advised they had sent the validation documentation on XX/XX/21. To date no documentation has been received. When I filed another complaint with the XXXX demanding a copy of the debt, they stated that they sent one before an there was nothing else that could be done. Collection agency was calling spouse 's number. They stated that the number would be removed and the business would remain open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NE
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 recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

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 2022-11-16
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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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 2023-02-15
Company: Experian Information Solutions Inc.
State: ME
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:
My credit score has inexplicably taken a XXXX point dive. I have made inquiries at all three credit reporting agencies, and every possible credit score reporting agency : no one can explain why my score is being reported as having lost XXXX points. I do not have any accounts that are delinquent, my credit usage is at 17 %, I have $ XXXX available credit, I have not taken out any loans, the age of my credit report is average, there is literally NOTHING that has occurred in my financial life that should be causing my score to be reported like this. I received a fraud alert saying that my email address was compromised and that various personal information was appearing on the dark web, but I do not have access to the dark web to see what may be going on, and the alert is vague. Can someone please help me figure out what is going on here? There is not anything appearing on any of my credit reports that I can dispute to correct this issue, there have been no major changes to my credit reports that would have caused this XXXX point crash. The only reason a credit score would take such a steep dive, I have been advised by various credit services, is if someone filed for bankruptcy. I have not done this. Please help. I am a single parent who has worked SO hard to improve my credit score over the last 10 years so I can qualify for a mortgage and buy a house for my kid.

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 2020-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account # 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I tried to work out a payment plan with Credit Acceptance but they wouldn't help me and they repossed my vehicle. Now I have a higher balance to pay if I want my vehicle back and I have to drive over 3 hours one way just to get it. I tried to work something out with them before it was repossed but they wouldn't help me and they came to my house and took my vehicle without me knowing it. I don't know if they wrecked my vehicle when it was loaded or not. But they wouldn't help me so I could keep my vehicle and get back on track with payments. They are sometimes rude on the phone when talking to them. I wanted to keep my vehicle but Credit Acceptance wouldn't work with me.

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 2018-05-07
Company: Monterey Financial Services LLC
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: Old information reappears or never goes away

Complaint:
I disputed, with all credit reporting agencies, the information being reported by Monterey Financial Services. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never did business with this company nor do I owe any debt in this amount

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: Premium Credit Bureau
State: WI
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:
Hello, I contact premium credit Bureau XX/XX/23 XXXX XXXXXXXX about an hard inquiry! They reported that they are a third party company and I should call XXXX XXXX. I would like the company to remove the hard inquiries from my report because its not me as I said and I never applied for a loan. They sent me to call who pulled the credit instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Webcollex, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call from CKS Financial this morning at XXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Eburch Consulting INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Today, I told myself let me contact the credit bureaus to see if XXXX XXXX started my disputes for my file. She has been giving me the run around since I paid her XX/XX/XXXX. Nothing posted on her portal, every time you contact her its like your bothering her with questions and asking about your file. Its been a constant then on top of that someone from the group referred before I purchased trade lines with there business. After speaking with the credit bureaus today again no disputes have been sent out. Ive reached out to XXXX calm and asked her whats going on she stated to me that she sent the disputes in. She told me she would not refund me my money. Im a business owner myself customer service is key! If your taking to many clients maybe you should turn some down so you can accurate for the ones that are paying you. Here are screen shots below regarding this! please beware if your trying to find a good credit repair, do you research before paying someone thats lazy and is going to beat around the bush.

Company response to consumer: Untimely response