BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
This complaint is specific to Volvo Financial Leases. When leasing a XXXX or newer Volvo via Volvo Financial you are essentially trapped in the lease meaning they have added a clause that you can not trade it in at non Volvo dealer, can not sell to a third party, can not even transfer the lease to another consumer. I have leased vehicles previously and when I was done I simply traded it in, paid the balance ( if any ) and moved on. I have also been advised by XXXX Volvo dealerships that even the Volvo dealers are not allowed to purchase the vehicle or they could face significant fines from Volvo financial. The only way to leave the lease is for me to buy out the vehicle completely which does not make sense. 
I am certain this is written in the lease but definitely something I feel they snuck in post XXXX and shame on me for not reading every detail of the lease contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2017-07-05
Company: Clarity Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
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Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: SC
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 opened an account with  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX  charged-off and sold this account to  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with Experian,  XXXX , and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX  in  XXXX   XXXX  but have not received a response.

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 2022-04-28
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request!

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 2021-06-14
Company: Synergetic Communication Inc
State: DE
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:
Synergetic communications, Inc sent me a letter stating that I owed the amount of {$550.00} with a discount offer of {$160.00}. 
The client that Synergetic com Inc, represents is XXXX XXXX  Overdraft. I've never owned a " XXXX XXXX  '' account. 

I'm asking to erase this from my credit account. 

I'm seeking for this company to prove, dates, signatures, identification, and validation of ownership of this account. I'm also seeking to investigate this company for fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: LA
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 went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They keep asking for the same documents already provided and waffling between complete and incomplete borrower response package in what feels like an deliberate effort to avoid regulatory deadlines. 
I have been making payments since XXXX 2021 and working to get a answer to the end of a pandemic forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 tried to dispute these inquires and they are giving me a hard time. There should only be two hard inquiries. They also have my account almost XXXX points lower than the other two reporting agencies.

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 2021-06-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: Experian Information Solutions Inc.
State: OH
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 called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the branch manager. She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via Experian and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to Experian and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.

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 2017-08-03
Company: AFNI INC.
State: LA
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:
Asked Afni to validate the debt, not verify the account listed on my credit 3 credit reports. All I received back was a statement that account was verified accurate. I received nothing visual such as ; a date listed as to when account was opened, what address the services were rendered nor a signature to validate their justifiable cause to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got served by Javitch Block LLC on XXXX, XXXX, 2021 for something that doesn't even appear on my credit report. They are saying I can make payments on it monthly or pay a lump sum. I have no way to see how much I owe or anything, I only have what they are verbally telling me and I don't feel comfortable with it. I feel like I am being treated very poorly. I have tried to work with them but they are not willing to negotiate at all and the payments they want are too high for me to afford. Like I said before, it doesn't even appear on my credit report so I am not even sure if I owe 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 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-09-28
Company: Exeter Finance Corp.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I 'm getting another letter from Exeter Finance saying my paying car off was a trivial matter. They wont take the issue off the XXXX XXXX. 

I submitted a dispute. 

The payment in full $ 12,000+ was received from the car dealership and the creditor recorded it as late. It is lowering my credit score and they wo n't take the derog off the report. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, my wife and I were forced to leave our apartment. I was laid off and as a function of that our pending home purchase fell through. Our management company at the time ( XXXX XXXX of XXXX, Maine ) made no concessions or efforts to work with us during the COVID19 pandemic and this period of unemployment ( which persisted through XXXX and continues as of XX/XX/XXXX ). 

We located a temporary, barely habitable, rental and moved on XX/XX/XXXX. We did not receive our final bill from XXXX within the 30 days, as outlined in our lease, nor did they provide an itemized ledger. Instead, they sent our account to collections before providing us the opportunity to pay or make payment arrangements. Lastly, we had requested to settle with the landlord, a XXXX representative sent one email to this effect and sent us to collections anyway and without notice. 

Our complaint involves both XXXX and The Thomas Agency. On XX/XX/XXXX, The Thomas Agency sent us a notice that XXXX transferred our account to them. We disputed this ( through certified mail ; return receipt requested ) on XX/XX/XXXX. In our written dispute, we asked for validation and that Thomas Agency return our debt to XXXX so that we could continue to resolve our account directly. 

We have not heard from the Thomas agency since XX/XX/XXXX. They never provided validation of the debt, nor did they attempt to send any bills or contact me ( by phone, email, or mail ) to request payment or gather information. Instead, and without any notice, they began reporting this account to all three credit agencies in XXXX of XXXX. 

I have disputed this account with the credit agencies and The Thomas Agency continues to erroneously claim their information regarding an unvalidated debt is correct when it is not.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my Macy 's credit card balance of {$310.00} by the due date in XXXX and should have a balance of {$0.00}. Macy 's sent me a statement with a balance of {$3.00} due by XX/XX/XXXX for Interest Charges. I should have no interest charge for a {$0.00} balance. Macy 's has done this before when I have paid off previous balances and I have had to call and get it removed " as a one-time courtesy. '' Macy 's should not be allowed to charge interest on any balance that was paid off on time. This practice is illegal and I would like the {$3.00} interest charge removed and my balance returned to {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: NV
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 unlocked my credit to allow XXXX XXXX  access for a mortgage. With my credit open an unauthorized credit inquiry from Small Business Admin Oda was made on XXXX. I called the Small business division at the number listed on my credit and they advised me that it was an attempt by someone using my social security number and declined. I was given a case number # XXXX. I was told that this is an ongoing problem but in my case is definitely an attempt at identity theft.

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 2022-04-28
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complained about this company before they are based in XXXX but this call is another one of their affiliated offices in XXXX. Constantly calling me almost every day including weekends. Never leave messages. I need this to stop. Had another call today. Sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hello, my name is XXXX XXXX and I am a victim of id theft. Someone stole my personal information and rented an apartment in my name, the following account was fraudulently opened in my name : RESERVE AT XXXX XXXX XXXX XXXX  ) OPENED : XXXX XXXX I HAVE ENCLOSED MY FTC 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 2022-03-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing today because I am shock how poor attention and lack of investigation XXXX and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : SYNCB/GAP Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

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 2017-07-09
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past 3 year Ad Astra Recovery Services has been trying to collect on a debt I do not owe them. I do not have a contract with them and when I have asked for validation of the debt they send me a copy of a bill from them no contract stating I owe Ad Astra Recovery Services nothing! They also have been reporting this account status as open instead of closed. That is a direct FCRA violation which entitles me to a least {$1000.00}. They have not nor are continuing to offer credit to me. The correct status should be closed. After 180 days that an account becomes delinquent the status should be closed. It has been 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Resurgence Legal Group, PC
State: CA
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:
XXXX XXXX a judgment was made to garnish my wage from work. they said I owed XXXX dollars from a collection from XXXX to XXXX. I called the lawyers that sued me and they said it was a past credit debt. I advised this was not my debt. the court still had my check garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IQ Data international XXXX XXXX ) has Been calling me to collect a supposed is a supposed ode amount from my don't from my previous residential residential buildings management. I have been trying to set up a payment plan but have been told that if I don't make a payment in full they will well damage my credit score. I've been hung up on several times.. Today I received a call and once again tried to set up a payment pla payment plan but was put on hold twice and hung up on.There 's no way it's legal for them to report delinquent payments but not accept my phone calls in order to try to pay. I'm I have called at least 10 2 day and left voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.

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