BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NJ
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:
A EX-SIGNIFICANT OTHER USED MY PERSONAL INFORMATION TO CO SIGN A LOAN ON HER BEHALF WITHOUT MY UNDERSTANDING OR CONSENT. I WAS TOLD THAT MY ONLY RESPONSIBILITY WOULD BE PAYING EVERY MONTH USING MY CREDIT CARD WHICH AFTER WE BROKE UP I DISPUTED AND TOLD I WAS NO LONGER PAYING. NEVER DID I AUTHORIZE ANYONE INCLUDING THIS COMPANY TO USE MY PERSONAL CREDIT TO SIGN FOR THIS LOAN. I ONLY AUTHORIZED MY EX XXXX XXXX TO USE MY CARD MONTHLY FOR PAYMENTS ON A MONTH TO MONTH BASIS UNTIL I SAW FIT. ONCE WE WERE NO LONGER A COUPLE I NO LONGER HAD OBLIGATION TO THIS MONTHLY OBLIGATION NOR DID I EVER HAVE KNOWLEDGE OR UNDERSTANDING THAT THIS WOULD BE REPORTED ON MY CREDIT AS I NEVER SIGNED ANYTHING WHATSOEVER, ENTERED ANY ESTABLISHMENT GIVING PERMISSION, ONLY VERBAL WITH MY EX SIGNIFICANT OTHER THAT I WOULD HELP HER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I had purchased a XXXX XXXX XXXX from a dealership in XXXX. Approved me for financing. Then 6 days later, issues with paperwork. Because they could not decipher the income. Also they do not use unemployment or any business that's self employed as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received bill from XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their private broker, Transworld Systems Inc. ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to XXXX XXXX XXXX XXXX XXXX XXXX. 

Called Transworld Systems , Inc. ( using number listed on IRS notification ) XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

Mr. XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

Mr. XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These companies ran my credit multiple times without my permission.

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 2021-09-07
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: Investigation took more than 30 days

Complaint:
Attention : Consumer Financial Protection Bureau I sent a letter to EXPERIAN disputing an account as erroneous on XXXX and mailed EXPERIAN a certified letter, return receipt requested. I received notice that EXPERIAN has received the dispute letter. It is now XXXX XXXX XXXX 

According to the Fair Credit Reporting Act, EXPERIANs role in the dispute process is to review the accuracy and completeness of any disputed item. EXPERIAN did not contact the furnisher or vendor, or verify that all of the information regarding the item that I disputed within 30 days of XXXX, the date that EXPERIAN received my request ( 21 days for Maine residents ). EXPERIAN therefore did not resolve the dispute, or review any relevant documents submitted with the dispute. 

The disputed information was not verified, EXPERIAN MUST delete or modify that information, as appropriate. EXPERIAN did not receive a response from the furnisher or the vendor within the required period. 

Under legal protections of the Fair Credit Reporting Act, I demand that EXPERIAN update the item as I have requested or delete the information, and send me the results. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), EXPERIAN was required by law to verify the accuracy within ( 30 ) days of my dispute. EXPERIAN has not verified the information within the 30 day time period, EXPERIAN must delete the disputed account from my report. EXPERIAN must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to EXPERIAN and a copy of my original letter showing the account I have disputed.

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 2018-02-01
Company: Experian Information Solutions 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:
Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

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 2021-09-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2021, I paid off the remaining balance on my XXXX XXXX. I then received a letter via US postal service dated XX/XX/2021, a scanned copy of which I have uploaded. The letterhead reads Toyota Financial Services. 

Per this letter, I am due a refund in the amount of {$140.00} for gap coverage per the sales contract and that a refund check would be mailed to me. 

Several weeks passed. No check. 

On XX/XX/2021, I called the toll-free number on the letter for Toyota Financial Services XXXX At this time, I was simply trying to get an estimate on when the check would be mailed to me. Because the hold time was excessive ( more than an hour ), I used the automated feature to save my place in line. No one ever called me back. 

I then called a different number for Toyota ( XXXX ). The representative there told me he spoke to Toyota Financial Services who spoke to XXXX XXXX XXXX ( which apparently administers dealerships in the south ) who told him the {$140.00} had been sent to the dealership where I purchased the car : XXXXXXXX XXXX XXXXXXXX. 

According to this representative, XXXX XXXX told him to tell me to call the dealership to have them send me the funds. 

I then called the dealership. The receptionist took my name and phone number and promised that someone would investigate the matter and call me back XX/XX/2021, during the afternoon. 
I never received a phone call. I called the dealership again. The receptionist suggested I call back XX/XX/2021, and talk to someone in accounting. I fail to see the utility in doing this after no one called me back on XX/XX/2021. 

Everyone involved here seems to be passing the buck. Further, I was promised a check would be mailed to me. The letter makes no mention about the funds being sent to the dealership and that I would have to work with XXXXXXXX XXXX XXXXXXXX to get the refund I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BBVA USA on XX/XX/2021 this company authorizes a one-time charge of {$49000.00} USD from my debit card and they provide an authorization code to charge this {$49000.00} USD from my card. how they can have this authorization code when I don't have sufficient funds my balance was really low and I don't use any service of this type. I call them and tell them I don't have any idea of this charge they open an investigation. wich they finish in right away telling me the I own this money. so I call them to let them know I do not agree with their decision. so they open a second case which they provide me with the information they have. after receiving the documents of this company who charge me for this business service and I tell them I don't have any business with them. they are still telling me the charge was made and is nothing I can do. so my conclusion is this company and an employee from the BBVA USA bank are working together to scam customers. because when I tell them to investigate who authorizes this transaction code they refuse to do it. 

company name they charge me is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX PHONE NUMBER XXXX REPRESENTATIVE XXXX XXXX I HAVE NEVER HEAR OF THIS COMPANY BEFORE IN MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
BEEN OVER 30 DAYS NO RESPONSE FOR TRANSUNION, XXXX AND XXXX ABOUT INCORRECT FRAUD 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 2021-04-03
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Equifax has not took care of the problem I have an account with XXXX XXXX thats in good standing and they still refuse to put it on I am about to sue there pants off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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:
THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX/XXXX ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.

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 2023-03-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hello i saw i have a collection from ars account resolution but i do not owe this company any money i don't have a contract with this company i request they delete off my credit report asap per HIPPA violation and FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got a loan thru XXXX XXXX for 250.00 came across difficult times could not pay back they contacted employer and said to garnish wages human resource person called me and asked me about this no court order I agreed to 50.00 biweekly what they want is 750.00 I have already paid about 400.00 is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: OH
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:
BEEN OVER 30 DAYS NO RESPONSE FOR XXXX, XXXX AND EXPERIAN ABOUT INCORRECT FRAUD 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 2018-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: AMA Advisors, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This second complaint is in correspondence with my previous complaint filed with you on XX/XX/XXXX complaint XXXX. Homebridge financial services inc has not resolved this issue. The tax exemptions department has not adjusted my mortgage payment back to XXXX to date. I have submitted proper supporting documentation along with XXXX city Metropolitan department stating that the error to my water consumption for XXXX was corrected. I have called to follow up with this issue on XX/XX/XXXX And XXXX to get the status and I was left on hold for an extended amount of time and no one answered to give me an update or status to when this will be completed. This is the second month I am left to pay a high mortgage payment of {$1900.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a charge card account with American Express and being promised that I will get XXXX reward points after spend {$2000.00}. 
I received the reward points after I made a car rental deposit at XXXX and American Express took the reward points back after I return the rental car and get my deposit back. I called to ask American Express what's happened they told me they thought it's a purchase and return so they took the points back. 
I explained what's happened and the customer service told me no worry I will get the points back if I reach the purchase of {$2000.00} before XX/XX/XXXX. I did more purchase and reached more than {$2000.00} at XX/XX/XXXX but did not get the points back. 
I called back to American Express they told me just wait 8 to 12 weeks I will get the points. After more than 12 weeks, I called back again and been told I will get the answer after 10 business days.

After more than 2 weeks, I called them again and they told me my purchase at XX/XX/XXXX is too late. I point out I was been promises I just need reach the purchase of {$2000.00} before XX/XX/XXXX, but the customer service said she can not reach the records and will do nothing to help me. 
I had called American Express so many times and each time they ask me to explain the whole story again and the only response I got is longer waiting time and trying to sell me more credit card from American Express. I was trust American Express so I moved my major charge card and credit card account to them when their sale promised a great service. I did not expect the service will be like this and even more the customer service lied to me. 
Today the customer service lady said she can find no one to help me and there is no customer compliance number for American Express. I do trust CFPB is the only way I can let them know how much they can hurt the credit card business when lie to a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was enroll in Autopay in XX/XX/2021. VS had a glitch in their system and the original payment did not went thru. In XXXX, VS acknowledge that the charges were wrongly applied and reversed some of the charges. In XX/XX/2021 I received a charged of {$2.00}. I call back again to remediate this issue. The representative who took my call ( XXXX ) provide a horrible customer service. The call was done on XXXX at XXXX : XXXX XXXX easter time. I asked her an identification number and she didn't provide one. On top of that she share personal information about my PIN number which is a breach of privacy. I decided to close my account on XX/XX/2021 and would like the CFPB to review my case and get my money back from VS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
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:
The following accounts are showing as negative on my credit report despite repeated attempts to have them removed. Experian has failed to produce documentation with my signature that says I am the owner of the following account : Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX   XXXX {$480.00} {$300.00} 160 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} {$300.00} 149 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - {$300.00} - Revolving Unknown XX/XX/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 2022-01-07
Company: EQUIFAX, INC.
State: OH
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:
*Attached is my state id and Social Security card The Listed accounts were placed onto my consumer report without my written consent please help me to get this solved. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  US DEP ED # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract with Portfolio Recovery Associates. I have never did business with this company. I am not liable for collection from the debts that they are reporting on my credit reports. I am not responsible for these debts with Portfolio Recovery. They are not licensed to collect in the state of California per what I have been told by an attorney.

Company response to consumer: Closed with explanation