BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
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:
I've disputed an Account Type that is on my Experian Report. Experian is listing a previous account ; XXXX XXXX as, " Collections. '' This account has been paid/closed for over a year. I've disputed the way that Experian has this account listed on my report several times. When the dispute comes back it will say report updated. Review changes on your report, but there isn't anything changed. The report is exactly the same. This discrepancy is decreasing my fico score. I've called Experian, all I'm told is that this will remain on my credit report for seven years, which I am well aware of, but it should not be listed as potentially negative and account in collections. This account is not in collections. I've reached out to the debtor, XXXX XXXX, formerly XXXX XXXX and currently XXXX. This is a completely closed out account and should not be listed as " Collections. ''

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 2020-07-10
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX Barclays debited my bank account for {$99.00}. This has never appeared as a credit on my credit card account. Barclays does not answer its consumer phone, I have been on hold twice for over an hour each time. I submitted the problem 4 times on their website only to get answers that they do not understand my complaint. Barclays need to reverse the debit to may bank account or credit the funds to my Barclays card. I have given them the information they claim they need : name of my bank, its routing number, and my bank account number. But all to no effect.

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 2019-05-29
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: Public record information inaccurate

Complaint:
THE XXXX FINANCE COMPANY ONLY WORKS WITH EXPERIAN. EXPERIAN CREDIT BUREAU TOLD THEM OF THAT I HAVE A FRAUD ALERT. THAT I HAD SEND A REPORT TO THEM. I DID NOT SEND ANY REPORT AND HAVE TOLD ANY COMPANY TO DO SO. EXPERIAN IS TRICKING PEOPLE IN SO THEY CAN SIGN FOR THEIR SERVICE. I PAY FOR ONE MONTH SERVICE AND THEY DO NOT WANT TO GIVE ME A REFUND. THEY NEVER ANSWER THE PHONE AND THEIR WEBSITE DOES NOT WORK. TRY UPLOADING DOCUMENTS AND IT SAYS LARGE MEMORY ON IT, EVEN WHEN I JUST TRY TO LOAD ONE DOCUMENT. THEY NEVER ANSWER THE PHENO AND THEY ARE COMITING FRAUD BY MAKING PEOPLE SIGN IN FOR A PROTECTION SERVICE, INSTEAD TO TALKING WITH PEOPLE AND HANDLE THIS MATTER A FASTER WAY SO THAT THE BUSINESS DOES NOT TAKE A LOSS ON A VEHICLE THAT CAN MAKE MONEY WHILE IT WAITS ON THEM. THE PROCESS HAS TO BE DONE BY MAIL. I WANT A LAWSUIT AGAINST THEM FOR FALSE ACCUSATION AND TAKING ADVANTAGE ON SOMEBODY THAT WANTS TO WORK HARDER. AFTER ALL I WORK SO HARD PAYING MY BILLS.

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 2021-02-18
Company: OneMain Finance Corporation
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC. LOCATION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NEW YORK XXXX. THEY FAILED TO DISCLOSE DOCUMENTS RELEVANT TO THE CREDIT TRANSACTION. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges i was not expecting to have to pay these payments they have been charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After checking my records the amount they said I owed was different then what they were reported to all three credit bureaus. When speaking to portfolio Recovery Associates we came to agree an agreement to settle the account on XX/XX/2020 for {$330.00} they also stated that after the payment was completed that they would delete the account from all 3 credit reporting agency. I also have proof of this agreement and will attach to this complaint. They have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was sold a vehicle that from day 1 had issues. I went into the dealership with specular credit and wasn't giving a choice to select a car. the sales man forced me into the vehicle he selected stating it was the best car for me. the vehicle has issues that are unsafe and can pose a threat not just to me but my family and on the roads as well. the car does this sudden jerking motion when the car is driving or even while idle. the car skips forward and causes your neck to whip lash. this can cause an issue as I can hit the person in front of me unless I have my foot on the brake and emergency break on while at a red light. this I every unsafe for my children and I need this issue resolved as I pay a lot of money on this vehicle and its a car with manufacturing issues when I've tried to speak at the dealer ship they say there's nothing they can do as the car was already sold to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

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 2019-02-25
Company: MARINER FINANCE, LLC
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:
When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX  and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX  on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,

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 2023-04-04
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY. PUT IT ON MY CREDIT REPORT AS A CHARGE OFF. 

XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXX ACTIONS TAKEN BY COMPANY PUT IT ON MY CREDIT REPORT AS A CHARGE OFF/ COLLECTION XXXX XXXX ACCOUNT NUMBER XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACCOUNT. ACCOUNT CLOSED XX/XX/XXXX AMOUNT XXXXACTIONS TAKEN BY COMPANY CHARGE OFF/ COLLECTION

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 2021-02-25
Company: EQUIFAX, 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 information incorrect

Complaint:
My Equifax credit report displays incorrect accounts displaying on my credit report which needs to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I need these incorrect information removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Account information incorrect

Complaint:
I have been contacting XXXX, XXXX  and experian regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
Sent Letters to the CRA on these Dates : XX/XX/2020, XX/XX/2020, XX/XX/2020. 

Amount : {$2000.00}. 

I am writing this due to non-compliance with the Credit Reporting Agency -Experian XXXX They have failed to remove information that was affiliated with this account that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have send transunion a 609 debt validation letter of all collection on my credit report and theyve failed to do so, they send me a letter saying verified and thats not proving me anything that the debt is mines, and For these reasons, the FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. Since no one validated me my collection I requested for transunion to remove all debts that has not yet been verified to me. Like XXXX XXXX XXXX and 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 2020-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
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 was scared and paid the settlement amount today on XX/XX/XXXX with XXXX XXXX XXXX XXXX, For the amount of XXXX on my card, They said i owed the back from XX/XX/XXXX XXXX and threaten to take a law suit out on my. They sent me a email to sign and sent me a confirmation for payment paid in full. There number is XXXX. I am so angry as i am seeing this is a scam to pay old debts and i don't remember having this with 5th third bank. I told the gentleman that i thought i had settled it with them as it was fraud and no one has contacted e and not on my credit report. He insisted they have contacted me at an address i lived in 8 plus years ago. I don't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, Midland Credit Management Inc add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Midland Credit Management Inc has violated my rights as a consumer and now I request legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2019 my husband and I selected and began the lease process for a XXXX XXXXXXXX  from XXXX XXXX XXXX XXXX XXXX XXXX. We were told the lease had been approved, the dealership changed our auto insurance over to the new car, removed all of our property from the vehicle, removed toll stickers etc. 

I was told they had to simply verify my social security number and then the salesman would come over to put on new tags etc. We were told it was approved many times before and while we removed our belongings. 

Two days later we received calls that told us they were unable to approve the lease. My husband is devastated! We told our family and friends about the new vehicle. showed pictures etc as we were promised and guaranteed it was approved. We were told by the dealership that it was based on Infiniti Financial services decision and there was nothing they could do about it. 

We now have to return the car to them and take back our old car, change insurance over, get new toll stickers and security bar codes etc. 

This is unfair, we have no explanation other than they could not verify my social security number which is ridiculous. It is very easy to verify this and I offered to bring any and all information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo opened a business credit card with the intent for me to use it as over draft protection. Wells Fargo didnt not tell me that they would be sending me a CC to my home or that I had a available balance of XXXX. I was under the ussumption that it was for over draft protection. I got the card, I used the card and payed on the card for over 1 year until I found out the interest rate on the card was over 25 %. I submitted for a lower rate and was declined. I couldnt afford to pay the monthly payment on the card and now the withdrew money from my personal acct even though I am going through mediation. Wells Fargo is a scam bank that doesnt treat there customers with respect and regard. I also did not sign for the card issued.

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 2017-08-05
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Subject : Complaint about Barclays Bank ( Barclaycard ), Delaware On XX/XX/XXXX, I bought educational programs from Company called XXXX XXXX. I spend almost {$50000.00} for this. Using the credit cards that they pushed me to open in order to fund them. These credit cards of XXXX bank, XXXX  XXXX XXXX, XXXX  and XXXX were for the same purpose of paying the above mentioned company ( XXXX XXXX ). With this purchase I was supposed to receive 16 sessions of " one-on-one '' marketing training over the XXXX in order to be able to market back their product and get commissions. However, instead of getting the promised training, the assigned coach asked me for additional $ XXXX - $ XXXX, and didn't train me the way they had promised to do so. As a result, I received ZERO training. 

I feel very much tricked and cheated, so I called the credit card banks to file for dispute.Out of all these banks, XXXX XXXX resolved my problem within the first 10 days and returned the full credit to my account which I do appreciate a lot.But today, XXXX XXXX Which I filed for complaint on XX/XX/2018 and provided them with all sorts of documents and contracts said they can not help me because in the contract between me and XXXX XXXX  it says it's nonrefundable. They refuse to see my point to even refer to the contract in full. If they take time to review the contract, they should also see that XXXX XXXX, were supposed to provide me with a service which they obviously didn't. Therefore, it was them that breached the contract in the first place. 

What is the point of having Barclays bank credit cards ( Barclaycard )? To make sure you get ignored when you don't receive the services you are promised by the vendor? Just because they don't want to spend enough time on correct and complete investigation of everyone 's cases, you should get screwed? Or is it because they don't want to give up on the commission they make from a dishonest organization, they refuse honest hard working people of their promised benefits / rights? Which one is it? I would like to know!!!

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