BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation. I have no knowledge of the fraudulent accounts on my Experian credit report. FTC Report Number : 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 2018-09-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX store credit card when you pay the bill in full before the new the billing date they put a XXXX dollar fee on your acct because the month before when you paid your bill you did not pay it in full at least that was the crazy explanation the lady gave me over phone. My bill was due on the XXXX and was paid in full on the XXXX but they put this XXXX fee on my bill because of another time, because I did not pay my off my account the month before on the last billing. Its not an interest its a fee. I have talked to other XXXX card holders they have called and companied about this fee too. If you call get the pay off of the card and pay it in full you will get this XXXX dollar fee in the mail. I called and they lady wrote mine off but how many customers are they ripping off on the credit cards. Something needs to be done about a fee that should not be charged for no reason.

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 2023-06-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
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:
On XX/XX/XXXX I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and did final walk-through of apartment along with handing in my keys. XXXX XXXX never sent my apartment deposit back {$1100.00} and also never forwarded a final closing statement to me at my new address in XXXX XXXX which I gave them. ( I paid all my rent that was due at time of move out. ) They specifically asked for my forwarding address. 
On XX/XX/XXXX I was notified that I have a new collections account by credit report alert Fair Collections & Outsourcing ( XXXX XXXX ) for {$670.00}. I have never received any statement about this debt.

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 2017-05-09
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni   XXXX   XXXX   XXXX   il   XXXX     reporting a   XXXX   XXXX   XXXX   account from  XX/XX/XXXX 2016 to  XXXX  no account in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a letter to Portfolio Recovery Associates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking for the original contract between myself and the original creditor, where I agreed to the assignment of the debt ; with my ink signature. 

Portfolio Recovery has failed to provide me with the requested documents. 

However, it has been brought to my attention by my neighbor that Portfolio Recovery have tried to serve me papers with a processor to take me to court for alleged debt. Portfolio Recovery are using horrible/illegal tactics by disclosing to my neighbor of this alleged debt and I have video of this same processor opening my mailbox and going through my mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After receiving notice that my complaint about the amount of money due was substantiated I received a report of my mortgage and had more questions regarding the report. I emailed 2 separate departments at the mortgage company and got 2 different letters stating they were looking into this but have been waiting over 5 months. In the mean time I was not allowed to make payment on my loan because of the elapsed time on their correcting my account and notifying me of the change. They received an overpayment from me which they have sitting in escrow and they have given no credit to an entire payment which had been made on my behalf by a local charity. 
As of right now they are stating that I am 7 months behind and I also have questions about my report which still go unanswered. 
Did they ever apply my bankruptcy to my account? Why do I have so much " Unapplied '' funds, why have there continued to be legal fees added to m y account even during times of payment on the loan, and others? 
I feel they are currently dragging their feet and creating even more undue debt on my home. My credit is ruined because this institution as well as XXXX XXXX XXXX failed to report the payments I DID make so that I could refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Commonwealth Financial Systems, Inc.
State: TN
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 complaint is about Commonwealth Financial Systems , Inc . I was never contacted by this company via mail to show my account was in collections. They can not verify this account is mine. They will take your money and never report it to the credit agencies. Its purely a scam. I feel bad for anyone affected by this company because theres really nothing we can do. My XXXX XXXX has dropped XXXX points due to these scam artist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
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 disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ).

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries are as follows : 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 I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter.

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: HYUNDAI CAPITAL AMERICA
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:
Hyundai Finance is reporting a balance owed amount that is incorrect, inaccurate, and false. The total amount financed was {$27000.00} and the remaining balance owed for payoff is {$7800.00}. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Hyundai Finance update my credit report and only report a correct, accurate, and true balance statement.

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 2023-06-02
Company: Exeter Finance Corp.
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: Was not notified of investigation status or results

Complaint:
These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern I have been loyal customer to XXXX XXXX  credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially XXXX XXXX with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called Experian to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.

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 2022-02-11
Company: EQUIFAX, 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:
These can be combined 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On Thursday XX/XX/XXXX I was approved for an {$800.00} loan from cashnet USA. It was due to be deposited XX/XX/XXXX. It is now XX/XX/XXXX and I have not recieved any of the money that I was approved for. I contacted my bank and they show nothing pending on their end. I contacted the company. They say they show it was sent for deposit into my account. I told them it was not recieved and I would like to cancel the entire transaction. They are currently showing that I owe them money. However, I have not recieved anything from the company. My customer ID with cashnet is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my 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 2023-07-27
Company: Kriya Capital, LLC
State: GA
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 requested validation, under the pursuant to the Fair Debt collection practice act ( FDCPA ) that the agency by the name of Credence Resource mangement send " validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay for an account with a business I never opened an account with or did any sort of business with. This agency has failed to verify an account, and has been reporting invalid information to XXXX and XXXX for a debt I am not liable for. This action is a violation of the FDCPA, therefor, if this agency can not provide validation ( instead of verifying an alleged amount I am claimed to owe ) then they must stop collection efforts and remove account from credit reporting. I have called multiple times and this agency has yet to comply with my formal request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased a new XXXX in XX/XX/2019. Financed through Toyota Financial. Told and shown that I can may additional payments towards  principal of the loan without penalty. This is accurate however, you can not use online bill pay or the website provided by Toyota to  make additional principal payments. Any additional payment is automatically applied towards your next payment. There is information that says if you want to make an additional payment towards principal you need to mail in a check! Who uses checks anymore? Or you can call them. So I called them and told them that I want every additional amount to be applied towards the principal. Can't do that. You have to call in every single month if you want it applied or mail a check. How in this day of computers can't you not take an additional principal payment? Sure they will take the extra payment but you have to jump through hoops to make it happen. How can this be legal? It is like they don't want people to pay their loans off early. How is this not predatory?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON XXXX AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

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 2020-10-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
XX/XX/20 blocked number MCM called my work XXXX I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. 

XX/XX/20 XXXX XXXX MCM Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.

Company response to consumer: Closed with non-monetary relief