BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Summit Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck  guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.

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 2021-08-18
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 recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX  Act. # XXXX XXXX   XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE

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 2018-02-08
Company: PROSPERITY BANCSHARES, INC.
State: MD
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 tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a phone call from my mother stating that a process server was trying to serve me with a summons and complaint to her home in XXXX XXXX, MI. I have lived in XXXX, GA for the past 15 years. When I called Midland the representative advised me that he could have no more contact with me because they were not licensed to practice debt collection in the state of GA. I asked him what would happen with the summons and complaint and he said it would be dismissed. I asked for that in writing and he advised me that he could not send any mail or email to me because I was in GA. That was on XX/XX/2019. Today I spoke with the 10th district court in XXXX XXXX MI and the clerk advised that no order for dismissal had been received to date. 

I feel as if Midland purposely filed paperwork in the wrong state because they are not licensed to collect debts in GA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello! 

This collection it was removed from my report and know it shows I owned almost {$2000.00}, please help me with this thing. It dropped my score 40 pts Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
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:
I am a victim of identity theft. Heres the police report case number # : XXXX from XXXX County Sheriffs Office. The following accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Card, XXXX XXXX XXXX, XXXX XXXX. The accounts are not mine and dont belong to me. The Collection account XXXX XXXX is fraudulent. I been receiving harassing and threatening phone calls of death threats, threats of arrest and being put in prison, profane language from XXXX XXXX for a debt thats fraudulent and dont belong to me. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). XXXX, Experian and XXXX XXXX previously deleted the XXXX XXXX XXXX account from my credit report as fraudulent a few months ago.

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 2019-08-29
Company: Allied Collection Services, Inc. (Nevada)
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid what I thought was a final phone bill to XXXX on XX/XX/2019. 

I received no notice or anything of the sort to that would lead me to believe my dealings with XXXX were anything but finished. Fast forward to XX/XX/XXXX and I get a phone call from Allied Collection Services Inc, saying I have a old phone bill from XXXX that went to collections. I called up XXXX to see if this is true but they can't prove why I would owe that when I was already with another carrier as of XX/XX/2019 with a finished ported phone number to the new carrier as of XX/XX/2019 and why they claimed the billing was for services from them on XX/XX/2019 - XX/XX/2019 so they just pushed me to the collection agency. 

Its XX/XX/2019 already a week after I was first contacted by allied collection services inc and despite my repeated attempts to get any sort of debt validation letter or even just any sort of letter in general from them to have some sort of paper record they either are refusing or willfully ignoring me.

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 2019-01-19
Company: Capital Credit and Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The auto loan was charged off in XX/XX/XXXX. They then sold the debt to a collection company and that company is still reporting the balance as a 30 day term account instead of a collection account. Due to them reporting the account that way the account will never be removed from credit report. I disputed and got no where. I then contacted the company directly and was told if I settled the debt with them that they would remove from my credit report. This will have been reported on my credit report for 7 years since last activity on XX/XX/XXXX which, if I am not mistaken, means it should be removed under the FCRA. I find this very disturbing and unsettling. The name of the company is XXXX XXXX XXXX  XXXX. The original debt was to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Experian credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XX/XX/XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you

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 2021-04-06
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned Paypal had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. Paypal refuses to close the account while it is under investigation with their collections company, XXXX XXXX. 

** Strangely both XXXX XXXX and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent Paypal account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
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:
please remove accounts which are not belong to me or any transactions made by me. 
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit 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 2020-07-04
Company: RSI Enterprises, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RSI Enterprises - XXXX Account number : XXXX Collection opened - XX/XX/2018 Amount - {$370.00} This debt is not mine. Ive contacted this agency numerous times and provided them all my information but they still fail to remove this report from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management , LP ( on behalf of XXXX XXXX XXXX ) is attempting to collect from me a dept that I do not owe/does not belong to me. Credit Management , LP notified XXXX credit agency with regards to this issue on XX/XX/XXXX.

On XX/XX/XXXX ( Saturday ), I received a letter from Credit Management , LP attempting to collect a debt in the amount of {$160.00} on behalf of XXXX XXXX XXXX ( Reference # XXXX, Client # XXXX, Creditor Account # XXXX, Total Amount Due {$160.00} ). This is the first time I was ever made aware of XXXX XXXX XXXX XXXX  attempt to collect a debt from me. The debt is not mine. I do not owe the debt nor have I been a customer of XXXX XXXX XXXX. On XX/XX/XXXX, I responded to Credit Management , LP via a Certified Letter with a request for validation of the debt. To date, I have not heard back from Credit Management , LP. This morning ( XX/XX/XXXX ), I received a notice that my credit ( XXXX ) had received a report of " Potentially Negative - Major Derogatory '' event reported the day before, XX/XX/XXXX reported the day before by Credit Management , LP to the XXXX Credit Reporting Agency. I have filed a complaint with the California Attorney General office, the XXXX XXXX XXXX and now here at the CFPB, as well for help with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Exeter Finance Corp.
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:
The information within my file regarding this debt is inaccurate. The lender is listing a inaccurate balance total. The lender did not update the payments accurately. When the vehicle was first purchased the total financed was for the vehicle price and warranty. The warranty was later dropped and the full amount due was paid back to the lender by XXXX. Attached is documentation from the lender themselves showing that a separate warranty was purchased. That warranty was later refunded to E

xeter for the same amount. Exeter never updated the credit reporting or the balance due to reflect the refund of this item.

In doing so Exeter Finance has violated my legal rights under the FCRA and has violated state and Federal law. They also went as far as to sale the debt to a third party with inaccurate information. Also, they have reported incorrect information to all Credit reporting agencies.

Company response to consumer: Closed with explanation