BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX, we paid off in full, over a year in advance, our lease financing contract. XXXX XXXX would not give us a return shipping address at that time, to return our copiers ( 10 in all ) as per the lease. Our lease ends XX/XX/XXXX and once again, we requested a return address as well as a buy out price as per the lease. CIT has failed to provide a return address or a buyout price. With respect to the buyout price, we did receive the attached email stating that the buyout quote would need to come from XXXX XXXX, our local copier vendor, which no longer owns the copiers. The buyout price was many multiples ( {$35000.00} vs, {$2000.00} ) of the fair market value ( called for under the lease ) according to competing copier vendors. 
After questioning other copier vendors, I am told that it is a fairly common practice for financing companies like CIT to conspire with the local copier vendor, to hold the customer hostage so that the customer has little choice but to renew their lease or enter a new lease with the local vendor. The attached email is direct evidence of that practice as CIT is directing us to the local vendor, which does not own the copiers, to set the price while at the same time refusing to give us a return address. This practice is both fraudulent, deceptive and coercive, and the financing company has every incentive to do this to get continued future referrals of business from the local vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: SC
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:
still reporting false, misleading, and inaccurate information on my consumer report. sent several letters and they refuse to remove false information, refuse to do a proper investigation, and refuse to send proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
i have disputed this error for almost a year. 
The account is being reported incorrectly. They state they got the information from XXXX which is frozen and can not release any information without my approval. 

The courts also stated they did not release this information to the bureaus so theyre stating they verified this. but they could not have verified anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions 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:
XXXX XXXX  reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 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 2018-05-11
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have told them repeatedly not to call my mothers home since she is not a party to the loan agreement. I have reported them in the past for repeatedly harassing my mother, only for them to say they have no record to the calls. They clearly do and these illegal tactics should be pursued in court. I have meticulously detailed each call and my attorney can provide a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Simple Cash Loans, Inc.,
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
1. Title loan on vehicle {$6000.00} original amount 2. Annual Percentage Rate : 101.9813 % 3. Total Payments : {$19000.00} 4. XXXX XXXX XXXX refused to provide payment coupons 5. XXXX XXXX XXXX refused to provide a ten day payoff statement 6. XXXX XXXX XXXX refused to provide an EIN number 7. XXXX XXXX XXXX refused to provide original contract provided a copy with forged computerized signature 8. XXXX XXXX XXXX required participation in mandatory 3rd party marketing program 9. XXXX XXXX XXXX installed a tracking device on the vehicle with {$1000.00} fee if not removed within 72 hours of satisfaction of lien

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The representatives were very rude and telling me I 'm responsible for a debt from 9 years ago. Continuing to ask me you still owe the debt and it does n't matter how long ago it was

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-27
Company: Experian Information Solutions Inc.
State: NC
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 reviewed the Experian credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX  has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX nor XXXX didnt provide it. As I believe all of  them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that Experian refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

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 2021-09-14
Company: DISCOVER BANK
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:
please check the following account that appears on my credit report, it is not mine, it is hurting me DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/XXXX there were two accounts that I disputed because of the way they were appearing on my credit report. For XXXX, the original date was in line with the date of my bankruptcy XX/XX/XXXX. After the dispute, the account status date was then updated to XX/XX/XXXX and my credit score fell from XXXX to XXXX because of a recent negative impact. Then, XX/XX/XXXX I tried to dispute this mistake my credit went from XXXX to XXXX. Next, on XX/XX/XXXX I again tried to get them to fix this information. There was no impact to my credit, but the account updated status still was not fixed. Finally, I noticed it was still impacting my credit so I again called and explained and asked them to correct the error. Again due to the dispute, they gave the account another update and my credit fell from XXXX to XXXX. At this point I am not sure how to get this resolved.

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 2018-03-19
Company: Rent Recovery Solutions
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: Information belongs to someone else

Complaint:
I have an account on my credit report that caused me to be denied housing on XX/XX/XXXX. I contacted the agency who is listed : RENT RECOVERY SOLUTI Reported : XX/XX/XXXX {$1600.00} Needs Attention Overview You've paid off 0 % of your collection amount.

Balance {$1600.00} Highest Balance {$1600.00} Opened XX/XX/XXXX( 7 mos ) Account status Open Type No Info Responsibility Individual Account.

Original Creditor Name THIRD PARTY XXXX Creditor Information RENT RECOVERY SOLUTI XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XX/XX/XXXXI disputed the information. Then in XX/XX/XXXX I called again to Rent Recovery and they told me to call another company, XXXX XXXX XXXX. But they're the company on my credit report and this other company has never heard of me.

I have a recording of the call.

I have disputed this with XXXX twice and they have " confirmed '' it twice. But XXXX says they are confirming my name and not social security number. So they asked them to verify mu social security number the the second time. They " confirmed '' but it's IMPOSSIBLE because I've never leased with them. Nor are they supplying the social security number they have.

I have owned my house since XX/XX/XXXXthat I'm now trying to sell. Also there isn't an inquiry for when this " account '' was opened in my credit file to have alerted me to something even going on in my name, which I don't think is the case, as when I call Rent Recovery, giving them my social and other information they don't have account and refuse to speak to me. But I can't get them off my credit report either.

I would really like to be able to stop sleeping on the floor of a friend 's place and get my own. But this is preventing me from having a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.

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 2017-11-23
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: Public record information inaccurate

Complaint:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXXDate Filed : XX/2017 Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XXXX 2017 CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/Experian/XXXX credit report immediately. See Attached document as documentation

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 2021-09-14
Company: EQUIFAX, INC.
State: GA
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:
I have tried reaching out to Equifax by mail on XX/XX/2021. I did not receive any response back from Equifax, so got an affidavit of truth written up. Then I mailed it in to them on XX/XX/2021, after having it notarized and signed. It is now XXXX, XXXX, 2021 about 2 months later and I still have not heard anything back from Equifax. When doing some research about the laws I have, I found CFPB. So I am requesting that CFPB please reach out to Equifax and have them fined for not upholding the law O.C.G.A. 15 usc 1681a ( d ) ( 2 ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: RC Willey
State: UT
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:
My income has been slashed by over a third, since losing my career at my previous employer due to COVID XXXX, and I have been working with every institution I owe money to, in order to stay current and prevent further arrears. With every other debtor I owe, I have been able to get the company to stop charging interest and lower my monthly payment, and am slowly catching up. 

Except for XXXX XXXX. They refuse to stop charging me interest, so the debt just keeps getting larger. They won't reduce the payment amount, so I can never afford to pay it. And now, they sent me a letter, dated XX/XX/2021, received XX/XX/2021, that they will be pursuing litigation. 

It was my understanding that until the XXXX situation was resolved, companies were prohibited from using such tactics. XXXX XXXX is acting like a loan shark. Please let me know how I can best resolve this situation with the resources I have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2021 I mailed a letter asking for an investigation to verify questionable accounts on my credit report. I has been almost 5 months and I still haven't received a response and these unverified accounts are still listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning of XX/XX/XXXX the collection agency ARS sent me information on a debt that I have repeatedly stated I do not owe. They are stating that they verified services were rendered but that did not confirm that these services were also actually covered through the finance committee of the hospital after determination my needing assistance. I have provided the confirmation of this through the letter that the Florida Hospital sent me. This letter shows the patient responsibility which is me as {$0.00} for services rendered on the date XX/XX/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