BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX XXXX in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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:
On XX/XX/20, I reopened a dispute with Experian regarding a bankruptcy that has appeared on my credit report as two bankruptcies. I have opened several disputes, to no avail. This time, I provided documentation from XXXX XXXX ( the reporting agency Experian claims to use ) confirming that one of the bankruptcies WAS an error and that it was to be removed from my credit report. 

Today ( XX/XX/20 ) I received a decision on my dispute and, once again, Experian says that the reporting agency confirms that the reporting is correct? 

If Experian actually DID check, they would have found the opposite. I sent them documented proof AND XXXX XXXX would have confirmed my claim. 

This is very frustrating. I have been trying, for years, to take care of this and thought it was finally over. This is ridiculous. 

They have power over the interest rate on my car note, whether I can rent the house I want to live in ... I am playing by the rules and they continue to irresponsibly wield their power without consequence. 

I have attached my supporting documentation. 

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 2020-09-07
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a delinquent account from this company on my credit report and I asked them to verify this account and they have refused to. Even after I disputed this with them, they never put the account in dispute on my credit report like they were supposed to.

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 2021-01-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that 10 accounts on my credit report that is currently in litigation that should not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've submitted numerous letters requesting for this account to be investigated and it was not. My recent letter dated XX/XX/XXXX was sent certified and the account was never investigated nor was it corrected. I demand deletion of these accounts. 

XXXX is reporting XXXX XXXX XXXX as a factoring company and stating that I owe them a loan amount of {$640.00} for account XXXX and {$460.00} for the same account number they are reporting. 

XXXX states on their report XXXX XX/XX/XXXX comments " account information disputed by consumer ( meets the requirements of the fair credit reporting act. ) I then submitted my dispute with them same day and now they are reporting the account as a factoring account with a loan past due with balance. I've attached copies of the XX/XX/XXXX report and XX/XX/XXXX report for you to review. Per the FCRA and FDCPA I demand these items get deleted from all credit reporting agencies. 
Thank you, 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 2019-02-21
Company: R & B Corporation of Virginia
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm not sure who to contact in regards to this - How do I owe a debt of {$25.00} where I never received any written notification about this debt and recently I received a random threatening call from a collection company on behalf of XXXX XXXX that apparently I had a bill from my old address. Under Duress, I simple went ahead and paid off this account and now i'm looking at my credit report and I noticed that there is a bill reported from the same company of {$25.00}. Honestly i'm not an expert on how to handle this, but this is a total violation of both FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CONSUMER PROTECTION COMPLAINT : XX/XX/XXXX This is the follow-up of our complaint of XX/XX/XXXX ; the mortgage company did sent letters in XX/XX/XXXX regarding the {$16000.00} escrow payment and a balloon payment of {$240000.00}. In that letter from Mortgage Company it only repeated what I already knew. However, this issue has not been resolved the mortgage company is ignoring my request to explain why??. This is not a newly financed mortgage so I do not understand when did the terms of my mortgage changed. Why do we owe {$16000.00} escrow? Why do we now have a {$240000.00} balloon payment? Why is this happening when California has a program save my home affordable housing program or HARP? Please, we just want answers ; therefore, can someone please, please help us keep our home.??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the infomation on this account ( XXXX XXXX creditor ) 5 times trying to get Transunnnion to provide accurate information to my credit report and as of today XX/XX/XXXX they have refused. below are the dates and times I have contacted them. trying to resolve this issue XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX certified letter was sent to them XX/XX/XXXX tracking number XXXX XXXX in addition to the mailed documents suporting my claim the documents were also uploaded to transunions web sight on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: VA
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 wrote Experian certified mail XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX asking them to validate the following collection agency debt they say owe. I also wrote the reporting collection agency by certified mail and was sent my medical infor with no hippa release as well as Experian Credit Bureau Re-ageing these account. Experian claims they did their investigation and refused to delete inaccurant account. 

XXXX XXXX XXXX- $ XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- {$61.00} Date Opened XX/XX/XXXX Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX This grossly fraud by Experian and these Collection Agency I have listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: Asset Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Asset Recovery Solutions , LLC dated XX/XX/19. They said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX has purchased an account ending in XXXX from XXXX XXXX Bank and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded to Asset Recovery Solutions , LLC with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ).  All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
At XXXX, XXXX PST on XX/XX/21 a received a call from XXXX at work from a very aggressive man using aggressive language threatening to contact my family about a debt which I am positive I do not owe. I asked him not to contact me at work ever again as we can be fired for taking personal phone calls. He was XXXX with a thick XXXX accent. and told me his name is XXXX XXXX ( which we all know is not accurate ), He said he was calling for Mid-land return phone number XXXX. They added an astronomical fee to the base debt which is also predatory like. I hung up and told him to never call me at work or phone ever again. 
This company repeatedly has called my cell phone from XXXX to XXXX daily multiple times from various phone numbers. They have contacted my husband, co-workers, relatives Whom are all willing to testify. 
It was scary and unprofessional Mid-Land should not be allowed to get away with threatening people and contacting them at their place of employment. 
Something must be done to protect ourselves from ppl like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: General Motors Financial Company, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Every transaction for the Wells Fargo issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet Wells Fargo was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX has reported the incident to Wells Fargo to which the CEO contacted him recognizing there is an issue. XXXX XXXX did not engage in a phone call, as the correspondence with Wells Fargo already stated to never contact him with the only " legal '' option being account closure. The communication of only ( 2 ) messages is easily retrievable. Wells Fargo has now been calling up to ( 4 ) times a day with ( 3 ) times most days for multiple weeks. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. No other organization ( not just financial institutions ) has engaged in such incessantly intrusive and harassing activity.

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 2023-10-03
Company: CITIBANK, N.A.
State: OK
Product: Credit 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:
So from XXXX to XXXX time frame somebody had stolen my card and pin on my XXXX  card which used XXXX approximately on the card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I went to XXXX  college from XXXX. Received a loan from XXXX. When XXXX went bankrupt in XXXX?, I joined FedLoan for loan repayment. 

In XXXX, XXXX, i received an email stating that FedLoan is being investigated sued by the US government, and 8 other states for fraud. In the email, they stated to contact FEdLoan for the status of my loan. Upon contacting FedLoan, i was unsuccessful for the next 2 weeks in contacting the. In addition, i sent several emails regarding this manner to my FedLoan agent, as well as tried to contact FedLoan via phone several times, all with no response and FedLoan did NOT reach out to contact. On XX/XX/XXXX, they took their monthly payment out of my account at XXXX  XXXX XXXX. I contacted XXXX, informed them of the situation and asked for a FREEZE on all transactions between FedLoan Student Services, and my bank account. This morning, i noticed that FedLoan had taken out a payment without my permission. In this instance, FedLoan added letters to the end of their name, in order to bypass the Freeze within my account with XXXX  XXXX XXXX, and were successful in retrieving their monthly payment, without my permission. I have contacted my bank and informed them of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: VW Credit
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2016 the amount of debt XXXX atfer talking to them about and ask to stop calling me because i dont have the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THERE WAS AN ACCOUNT OPENED ON XXXX OF 2019. I DID NOT AUTHORIZE THIS ACCOUNT. THE BALANCE IS {$1000.00}. I HAVE REACHED OUT SEVERAL TIMES TO SHOW THEM THIS IS NOT MY ACCOUNT WITH NO RESPONSE FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: IL
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 a victim of the Equifax breach. For XXXX months between XXXX and XXXX Equifax 's failed to secure my personal identifiable information, and that of XXXX XXXX other Americans. 

I never consented to Equifax mining my personal life to build a file on my behavior they could then sell to others at a profit. I never consented to Equifax inadvertently releasing that information to those who intend to misuse it. I certainly never consented to Equifax waiting several months to alert me of this grave security threat until the time was best for them. 

I certainly did not consent to Equifax adding insult to my injury by pressuring me into signing up for a XXXX XXXX service ( run by the same company who failed spectacularly to safeguard my information in the first place ) simply for the privilege of learning if they had failed to protect me.

Company response to consumer: Closed with explanation