BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
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 belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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 2017-07-04
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX  convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. <P/>As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: IN
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 have repeatedly disputed for removal of 2 civil child support case 's from XXXX  off my credit profile and experian refuses to removal. 
date : XXXX XXXX XXXX amounts XXXX and XXXX I sent in updated court document from clerks office of payment history the bureaus ignored it

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 2020-07-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
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:
Prestige Financial Services They did a charge off on a account on my credit report. They are still showing a balance of {$9300.00} since they did a charge off and its been more than 180 days the balance should be XXXX. We were also told this was removed and the account is still showing. I disputed this item at least 5 times with letters and the credit bureau still say the account is accurate and remain the same. All disputes I did was followed by the FCRA regulations. I started my dispute letters XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX. 


XXXX XXXX XXXX XXXX they did a charge off on this account and the balance is showing {$2900.00} which it should be XXXX its been longer than 180 days. In XXXX when we bought our house they agreed to remove it because they sold the item to someone else but they are still showing on our credit which it should be removed. XX/XX/XXXX, XX/XX/XXXX sent two disputes, XX/XX/XXXX sent 2 disputes. All disputes followed the FCRA regulations. Our realtor can even vouch for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: PA
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 recently saw a closed charged off account on my report that i don't recall borrowing from the creditor. {$1400.00} is the balance i saw on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with Wells Fargo. Wells Fargo attorneys received an index number for me in XXXX and have been aggressively trying to take my home from me. 
They sent me a letter requesting a face to face meeting with me on XX/XX/XXXX. 
I have had many conversations with the Wells Fargo employees trying to reach a solution. On XX/XX/XXXX I spoke via phone to XXXX XXXX set me up with 3 payments plans : 1. XX/XX/XXXX - {$5300.00} to cover XXXX & XX/XX/XXXX - comf. # : XXXX. 
2.The second for XX/XX/XXXX in the amount of {$8000.00}. to cover XXXX, XXXX & XXXX comf : # XXXX. 
3. Third payment in the amount of {$5700.00} to cover XX/XX/XXXX & XX/XX/XXXX to be called in to Wells Fargo because computer system would not allow representative to confirm the number for the year XXXX. I also spoke with another representative name XXXX on XX/XX/XXXX @ XXXX concerning my payments and another representative name XXXX who connected me with another representative that Wells fargo would not be able to make any of the confirmed payment withdrawals as of XX/XX/XXXX. Putting me 6 months behind after they withdrew payments from my account. I made all of these payments and was not given any credit for all of my payments and they put me in foreclosure. 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 explanation
Consumer complaint received 2017-07-04
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The company sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX. 

I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage. 

I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi and Good Evening ... .I 'm writing you guys again, because i been going back and forth with Portfolio Recovery Associates in regards to alleged debt that they bought from XXXX XXXX. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
State: PA
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:
I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.

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 2018-10-23
Company: JTM Capital Management, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has sold my loan to JTM Capital. I'm in the process of selling my home. Once my home is sold. I will pay this off. But what I only have borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: OR
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:
Purchased a package for XXXX XXXX and XXXX XXXX. The company was horrible and don't even have a business location in the US. They offer a 100 % guarantee and when I asked for it they said they would give me it but months later they still wont. I submitted a dispute and was told it was denied because I got the service I paid for. When I called to see why they said it was filed erroneously amd should have been filed as a 100 % guarantee failure to pay. I resubmitted it and then they denied it again saying it was too long to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I foreclosed on a small strip center in XXXX California in XX/XX/XXXX. Foreclosure was due to default on my second deed of trust. The first XXXX is still in place. Ive been making payments to the servicing agent, M & T Bank for the last eight years. The loan has a tax impound account of approximately {$11000.00}. The bank will not communicate with me despite sending proof of ownership on multiple occasions over the past seven years. They will only talk with the original mortgagor who has not been available. The property is currently in escrow to be sold. I now have no way to retrieve my {$11000.00} currently in the impound account.

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 2018-06-25
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised XXXX XXXX operates as a third party collection agency, and from my research is not the current holder of this alleged debt. Because of the fact XXXX XXXX has no legal standing to report this alleged debt to any credit bureau. I am requesting that XXXX XXXX be barred from access to the credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, 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:
Received a response from Equifax from my previous complaint # XXXXon XX/XX/XXXX with CFPB stating that the following items would be deleted : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their response shows that it was deleted from credit file on XX/XX/XXXX. The items still appear on my credit report XX/XX/XXXX and I have not received the updated report they stated they would send and I cant access their website to download disputes. They also stated the results of this dispute was mailed on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: Roberts Law, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
They called my boss and said they were going to serve a summons and arrest me in two hours if I did not call them back but never called me directly just my boss. Phone XXXX XXXX XXXX. Case XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After two request Equifax and XXXX refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
When I first purchased the car back in XX/XX/2015 I had a job with proof of income. The car salesman said my only option is to pay a high apr at 25 % interest and high car payment for one year and then refinance to drop the interest rate and payment way lower after paying all my payments on time that whole year, and so I did make the payments on time, but little did I know I went through a change of job. I went from having proof of income hoping to refinance.. to being an XXXX XXXX with no proof of income. Im paying {$720.00} a month for the past 3 years and all that money has only went to interest! Even from the start of my purchase it was a nightmare! For a whole week almost I drove around with the wrong VIN number they gave me!! Santander Consumer USA tried to help me refinance this past year, but demanded 6 recent months worth of on time payments from my bank statements. The first 2 years almost is proof I paid my ridiculous {$720.00} payment. I have more than enough proof of income through XXXX XXXX, but refinance companies only want XXXX forms and my XXXX forms are all messed up with me owing the IRS. 
Long story short I soooo desperately need help refinancing to save money now that Im in college and I'm now paying my daughters private school. 
On another note Ive always wondered is 25 % apr legal? 
PLEASE HELP! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I acquired this debt as a result of a divorce ( I had taken out the loan for my husband to use for automobile repair and improvements to the house ). He indicated to me that he would help me pay the debt but stopped when I wouldn't reconcile with him. I made some payments and then the loan was sold to XXXX XXXX XXXX XXXX. I intended to get on a payment plan and forgot and pushed the debt out of my mind. I would like to created an installment plan and begin to slowly pay off this debt. I will be able to increase the amount I'm paying after some other debts are taken care of and paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After two request XXXX and Transunion refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...

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 2017-07-04
Company: Receivable Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3200.00} with XXXX, XXXX and XXXX credit reporting agencies in XX/XX/XXXX. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt with is in violation of FCRA and HIPPA " NO CONTRACT WITH ALLEGED DEBT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: American Coradius International LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections. 

I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submitted a complaint years ago on this company and was told I would be put on a cease and desist. Today PROCollect decided to call and leave a message with an attempt to collect a debt, even though I know my account had restrictions on it and it was written that it was done so by the agency themselves.

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