BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-23
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 was contacted by portfolio Recovery Agency regarding an account that they claimed they purchased from XXXX XXXX ( XXXX XXXX ). On XX/XX/XXXX I requested that they validate and verify the information on their claim. I sent them a request for written proof. I cited the Fair Credit Reporting Act section 609 disclosures to consumers ( a ) ( 1 ) ( A ) and requested they verify through physical verification of the original signed consumer contract any accounts that they reported on a credit report. They responded on XX/XX/XXXX with old copies of statements and an explanation that they received only an electronic file and admitted they DO NOT have any signature. Despite this, they continue to report this on all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old ) Collector refuses my attempts to settle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being 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 2021-07-15
Company: T.S. Holdings
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
IQ Data called and threatened to seize my Social Security XXXX and sought my Veteran benefits in order to collect on a debt which I dispute. They also refused to send me paperwork to document this debt when I asked for it in order to review by an attorney and myself as well as making sure this not some scam call. No account number was given. They said they would initiate state mechanisms to collect their disputed funds. I was intimidated into offering up my limited financial reserves in order to protect my desperately needed SSDI to keep a roof over my head. I am retired, have health issues ( hence the XXXX ) and have limited human contact. Once she found out I was retired and on XXXX she really turned up the heat accosting me. It feels like elder abuse as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX XXXX department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to 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 2021-06-01
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a phone call XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX from someone claiming to be a representative of PNC. They alerted me that my account had been compromised and that action needed to be taken immediately. They asked me to confirm my address, phone number, a recent purchase and my login credentials. Then informed me that my money might be moved or frozen temporarily until my account is back secure and that it may take 30 days. XXXX dollars was removed from my account. After 30 days my money did not return, so called PNC and informed them that I believed Ive been a victim of a fraud and a scam. The perpetrators posing as a PNC representative tricked me into getting my information logged into my account and XXXX themselves my money. I reportedly the incident but PNC concluded there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived at this complex for 5 months and they are now trying to collect money for damages I did not do. The only damages to this unit is the damages I constantly complained about and was never repaired. There is no truth to this whatsoever. I should not have had any of these issues for the amount of money you pay for these overpriced projects and all the outrageous fees they tack on to the base rent. How can people survive paying excessive fees which is always {$100.00} plus more dollars a month. I just can't and will not reside under these conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.

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 2018-05-23
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX I bought a new XXXX XXXX XXXX and it was financed with XXXX XXXX. Around XX/XX/XXXX I filed bankruptcy due to a separation of my marriage. I was told by my attorney to check my credit reports after filing to make sure everything was correct with my report. I noticed that my car loan was not being reported. I contacted XXXX XXXX in regards to not reporting on XX/XX/XXXX. I was told that since I filed bankruptcy XXXX XXXX will never report my paid perfect loan to the credit bureau. I was told that this is XXXX XXXX 's policy. I was also told to refinance my vehicle with another lender if I wanted credit. Please help this issue. I feel this is unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have account with Chase sapphire reserve credit card which includes {$450.00} annual fee and {$75.00} annual fee for authorized user in exchange to priority pass ( free access ) to lounges in any airport that has one. I did receive XX/XX/XXXX statement with due date XX/XX/XXXX showing 2 charges for priority pass guest visits, {$27.00} each, for XX/XX/XXXX. I did use a lounge in XXXX XXXX airport that day. We had 2 priority passes at that time - one was for myself, another was for my husband ( authorized user ). We had XXXX guests with us - XXXX adults and XXXX kids ( XXXX and XXXX years old ). Each priority pass user can bring XXXX more guests for no charge. Moreover the kids under XXXX years old is no charge. Yet 2 month later Chase decided to bill us additional {$54.00} on top of annual membership fee I paid in XX/XX/XXXX. It does contradicts Chase sapphire marketing and advertising of the priority pass benefits. I was trying to solve an issue with Chase sapphire reserve representative yet had no success. Chase rep was not able to explain why I was charged 2 month after my initial visit. Moreover Chase rep did not have any proof for number of guests I had that day. Chase rep said the charge was based on XXXX XXXX lounge information which contradicts the actual number of guests I came with. As of today I was charge for something I am not responsible for and Chase sapphire reserve does not want to help resolve an issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
Company: FORD MOTOR CREDIT CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Requested payment modification with Ford Credit on XX/XX/XXXX. Rewrite was denied XX/XX/XXXX and as of today I have been lied to be each Ford Credit Call rep at XXXX. I was told 7 to 14 days to receive my letter of declination. As of XX/XX/2019 I have not received any notification as to the declination. Also, I was solicited to defer my monthly payments which I did for the month of XXXX and XXXX and was told it would not report to the credit reporting agencies. Another Lie. My payment due date is the XXXX of the month and today, the bureaus reported a 2 month deferred payment. I just got off the phone the XXXX from XXXX XXXX, she stated they reported every month on the next day after payment due date. XXXX stated they reported to the bureaus on XX/XX/XXXX. Thats a Sunday. Lies, Lies and more Lies. She stated they do not report, however why as of today XX/XX/2019 with a payment date of the XXXX having one business day with a 10 day grace period, why would the bureaus be showing a 2 month deferred payment unless Ford reported it. Ford Credit is the New XXXX XXXX. Fraudulent and out right lies from Representatives. I also requested recording of my calls and was denied. I requested transcripts of those calls and was denied. However, XXXX said she would look at the calls as a coaching opportunity. After speaking with 6 to 10 reps and they all stated the same information on different dates and different calls. They are all Liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX first payment was due on XX/XX/XXXX ". 

I attached proof that XXXX credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or XXXX CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from Auto Now & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the XXXX CRA or Auto Now or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To XXXX & Auto Now this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is reporting inaccurate personal information on my credit report, inaccurate addresses

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 2019-01-17
Company: NVR 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:
My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from NVR Mortgage that our mortgage was sold to XXXX XXXX   XXXX. On XX/XX/XXXX NVR reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. NVR Mortgage reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX XXXX XXXX  report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX NVR Mortgage reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX  XXXX not NVR Mortgage Company. I have requested for NVR to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.

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 2018-05-06
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:
My XXXX XXXX XXXX XXXX credit card account : XXXX, is lost/stolen. I lost my credit card on XX/XX/2018. There are fraudulent and unauthorized charges on the account that arent mine. I want XXXX XXXX  to immediately close the account, and issue me a new XXXX XXXX  XXXX XXXX credit card account number and card. I did apply for the XXXX XXXX XXXX XXXX credit card. Every card I have with XXXX XXXX, I did apply for the credit card 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