BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter In response to your letter on XX/XX/XXXX stating you mail me a letter in which I never received. As to mailing you and calling you before you took my car to pay the full payment that was behind. I had explain that the health Care company I work for had payment issues with my salary at the time was XXXX and having me holding checks and causing me issues with my bills. Its on record with the state department of labor and industries. 
Exeter stated they mail me in which they mailed it to the wrong address as well I have attach letter showing the wrong address as well as a copy of the insurance by progressive showing my address on record to Exeter. It shows Exeter as the lien holder and proves they no my address. I also have the statements each month they mail to me with the right address. When I was trying to pay Exeter they would not accept the payment. 
Exeter never mailed me nothing to the sale of the Vehicle. Exeter also sold the Vehicle with mailing me nothing of the sale. No attempts after they took it for me to pay the rears that was due. 
Exeter also played the mail it to an old address in which was updated at the post office in the post office. And Exeter also mailed me on XX/XX/XXXX saying they transfer it to XXXX XXXX XXXX. Date of notice was on the letter in which I have attach shows XX/XX/XXXX but look at the transfer date is XX/XX/XXXX but my notice XX/XX/XXXX Exeter also never responded it was we working on it. This company does not respond and give the consumer the run around. 
I have attach all documents for proof. I want this removed from my credit file. Exeter was reporting the original balance after they sold it every month doing major damage to my credit file. There was no original amount after they sold the Vehicle. Also Exeter was saying one amount and ran up fees. As to there response there is no deficiency that they responded back from the CFPB I have also considering filing suit on Exeter if the matter is not resolved due to the errors and the proof I have on record on Exeter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-01-30
Company: Bread Financial 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:
There is a hard inquiry on my credit report that I know nothing about. I have never tried getting credit at this business. The business is : XXXX ( it says it is a clothing store ). There was no authorization for this company to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: DISCOVER BANK
State: MA
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:
My husband passed away on XX/XX/XXXX leaving behind a Discover account that was for his business use. I provided Discover with a death certificate and they switched his account to my name, although I had not opened nor signed for the account. I have spent 16 months trying to work with them and eventually turned it over to my attorney, at an additional expense to my family, when the correspondence and phone calls became harassing. Discover has been unable to prove it is my account because it is not. Other creditors offered their condolences and immediately resolved the matter once they were informed of XXXX ' passing. I have spent countless hours with Discover while grieving and attempting to help our children. I am respectfully requesting that Discover remove my name from XXXX account and remove the account from my credit report. My attorney has requested numerous times that documentation be provided that it is my account and Discover is unable to do so. It has been 16 months and the matter needs to be resolved as quickly as possible please. The most recent correspondence from Discover is date XX/XX/XXXX and says that another investigation is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: NY
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 made a credit card settlement payment to synchrony bank/technet between XX/XX/19 and XX/XX/19 in the amount of {$540.00} which cleared my account on XX/XX/19. XXXX XXXX is still reporting this item as delinquent on my credit report and continuously makes harassing phone calls and sends harassing letters saying I still owe the debt and stating that the settlement payment I made was just a payment on the account which is completely false. I've asked them several times to review the recording of the phone call I made to them between XX/XX/19 and XX/XX/19 in which I was advised by the representative that the payment I was making, was a settlement payment. I will not be paying on a debt that I already settled and would like for them to stop calling and emailing me and sending me letters stating I owe a debt that I do not and to stop reporting this debt as delinquent on my credit report as its negatively affecting my credit score.

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 2019-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Complaint to the representative about my credit score. She refer to herself as XXXX. 
She could not give me an answer why my credit score was lower. 
The information was not updated as well some of the inquiries were not correct and one of the credit card balance was not updated. 
I ask if i could cancel my subscription just before one month since say she will cancel my service right away. I told her not to cancel immediately and wait until this month was finish. She could not meet my request so I told her I will cancel the subscription later. However, she told me this was a trial period and she would charge me full price of {$19.00} immediately if I do not cancel this subscription. However the website say the first month was a discounted rate at XXXX and did not mention that this was a trial period before the first month end. 
She also accuse me that I was upset about my credit score which in part I was. 
However, I was more upset on the her service that she wanted to charge me more than I signed up for. I could not talk to a supervisor because there was no one available until Monday. 
I ask to cancel my subscription and express my unhappiness about her services. 

Incident occurred on Saturday XX/XX/2019 around 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 2020-10-22
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX  anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies XXXX XXXX XXXX XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to AFNI XXXX I am holding them responsible and want them prosecuted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company LVNV funding, has bought numerous uncollectable debts from companies and is now reporting negative information on my credit report with no validation made on the accounts. I have a collection for {$1000.00}, from " XXXX XXXX '', - which was an account that fell behind when my husband XXXX XXXX   and became totally XXXX. There was XXXX protection on the initial account, as well as protections in place through the military lending act, as well as the SCRA- since my spouse was XXXX XXXX. The original creditor never applied any of these protections and now this company has purchased the debt and is trying to collect a debt- with no regard to these credit protections for service members. 
There is another debt showing for {$360.00} for an account that says " gettington '' - that I have never heard of nor received any validation for. Only a negative mark on my credit report. 
This company is buying debts that aren't even legally collectable. I have already made disputes, with no resolution made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
Dealership had towed the car back and working with XXXX  to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.

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 2019-07-10
Company: LendUp Loans LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
During a hard time in my life when I was unemployed I got caught up in the payday loan scheme to stay a float. I came across XXXX in XXXX, over the next year I was paying back the {$300.00} loan every week as promised. Then they push me in a large loan with longer payback period. At first this was okay, but then the interest began to accoumlated never allowing me to pay off the loan in full. Mind you in reviewing my history with them I had several short term loans all of which where paid on time and quickly, but with this longer term loan it became difficult. I tried on several occasions over the course of three years to pay it and/or make payment arrangements to settle without any results. They would began debiting my checking account so much to the point my checking account ranked up numerous NSF or over draft payment fees of {$30.00} a pop. This caused my checking account to reach as much as {$900.00} in fees causing my bank to close the account and report me to check systems. I tried to reach out since XXXX to lendup via online customer support their only direct means of communication with results. In the last three years I maybe spoken to an actual live rep 4 times and each time I was told that I had to pay the debt in full and they could reduce, settle or change payment terms. Every attempt to raise the principle amount of {$1000.00} in full was impossible. In fact this past year I attempt to pay the balance with proceeds from tax return and twice payment was reject from their system making it difficult to payoff this debt. I finally was able to speak to a live rep after several emails and was told that they would could take a payment over the phone, but that I need to have prepaid debit card, no credit cards or checking account payment. I borrowed the money and loaded it on a prepaid debit card and attempted to pay online again without success. Once again I reached out several times, the last time being on or about XX/XX/XXXX and go a rep on the phone to take a payment, but their system rejected it because they wanted need the entire balance plus interest. Fast forward, this issue has caused major damage to my credit file and fico as they continue to report current ( 120 days ) late on a four year old debt. At this point since have attempted to settle with this online lender over the course of four years without success and they have continue incorrectly report this debt current ( 120 days ) late, and that this loan is clearly and example of illegal prey of consumers for payday loans they can't afford. I humbly request this debt and line item of current, ( 120 days ) late and delinquency reporting be permanently removed from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: NC
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:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
I was the victim of a scam in XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank 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 2019-10-10
Company: Incomm Holdings Inc.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a XXXX debit card. After I used it a couple of times, there was a problem with my physical address. The company asked for certification from an official government document. After a couple of months trying to get it, I finally did. I send the document in an email and waited 48 hours to contact them. To my surprise the number on the back of the card is suspended. I tried another number but the representative told me that it was another department and he could not help me. I tried accessing my account online and the card is inactive. So I want to talk to them to resolve this matter but don't have a way to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: ID
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 have disputed three ( 3 ) collection accounts that Equifax is reporting on my credit file. My most recent dispute attempt to Equifax, XX/XX/2019, included supporting documents which establishes the debt buyer in question ( XXXX XXXX XXXX ) has : re-aged the debt, provided fraudulent documents to establish ownership of debt, more than one collection agency claims ownership of debt, and letter from original creditor showing account paid in full. 

Equifax refuses to delete these junk debt buyer collection accounts from my credit file. My disputes, supporting documents, and demands for evidence are simply dismissed. 

Equifax provides nothing to the consumer as to what exactly is completed in an investigation process. 

If the debt buyer can claim ownership without tangible legal verification and Equifax allows this - where does this leave me as the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my check on Thursday XX/XX/2019. They then told me that it won't be available for 7 days. They then locked me out of my account claming " suspicious activity ''. I called them on Saturday XX/XX/2019 and they said it was because my daily balance is too low and the bank could do nothing to release the funds or help me, essentially saying I'm too poor to access my funds immediately. I explained to them that I live paycheck to paycheck right now and that I need the money to pay for food, gas, and bills. I've had a couple day hold before, but never a full week. Usually it's available immediately. Their hold seems unreasonable and perhaps unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
MY WIFE TRIED TO DEPOSIT A CHECK INTO AN ACCOUNT AND WAS TOLD THE ACCOUNT WAS CLOSED. WITHOUT NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed these same accounts last month. These accounts are not mine. Please remove them. I am not a credit repair company nor a mortgage company.

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