BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Collection Bureau of America Ltd.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017, I contacted XXXX XXXX XXXX XXXX headquarters in XXXX, GA. I was told that we can not pay our bill because it has been sent to a collections company. 

Complaints : 1. XXXX XXXX XXXX  XXXX did not provide me with electronic invoices. 
2. XXXX  XXXX XXXX  XXXX refused to tell me how much I owed 3. XXXX XXXX XXXX XXXX refused to accept payment my May phone call. 
4. Collection Bureau of America is offering to sell me a used water cooler at an inflated value. 
5. Collection Bureau of America refuses to arrange a pickup of the water cooler owned by XXXX XXXX XXXX XXXX, their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-03-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. 

I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. 

I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. 

I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion repeating putting wrong employer information on credit report. Information keeps reappearing.

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 2018-07-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested a copy of my card member agreement for my account with XXXX to be mailed to me and XXXX denied me this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Lanier collection agency concerning several medical bills they claim belong to me. I have requested debt verification on several occasions and they were unable to verify the debt. I would like them to stop reporting false information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EMORY ENTERPRISES, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I already did a recent dispute on the non-payment of a fraudulent charge placed on my report. The FCRA commented upon the completion of the dispute in which the charges are still in effect on the account. The original creditor, XXXX XXXX, claims I owe {$300.00} placed by the XXXX XXXX XXXX for a trash fee that was accurate info due to the fact there was no trash left in the apartment and the was not the stated charge reason. The original charge stated by the creditor was said to be a {$150.00} for a absent written notice of ending the lease where the original creditor threatened to place that amount on my credit report. I've sent supporting documents to XXXX   already showing the fraudulent charge and would like further investigation on the charge filed on XX/XX/2017 from the XXXX XXXX XXXX account that was intentionally placed there to damage my credit as said so. A good result would be if I could please just get this removed off my report Thank you for your time.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: IL
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 received a letter from Equifax stating someone had tried to get a XXXX Credit Card in my name. This happened XX/XX/2018. I contacted the number on the letter and they told me to fax in a letter with my name, date of birth, social security number, address and email address. I did not do this in fear of it being another scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
Santander quoted me a payoff. They over estimated the amount. I received my title but then I received a debit card in the mail with the {$12.00} credit that was overpaid. The debt card comes with the agreement that there is a $ 3 monthly fee. In order to call them to ask a questions regarding this account, you are printed to activate or hang up. If you activate then you are bound by the new debt agreement and I dont want to be. Also, they list a phone number for the consumer protection bureau of ( XXXX ) XXXX but that is a non working number. I would just want a check sent in the mail and not a debit card. If the debit card was able to have cash taken out of an atm then it would be fine but it says you can only make a purchase with that. Its not my problem that I over paid. I paid the proper amount and now they limit the amount of options I have to reclaim the money they owe me? Thats not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: LoanCare, LLC
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: Account information incorrect

Complaint:
XXXX payment is not being reported as paid on time, and I made payment on time.

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 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX 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 non-monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 IDENTITY HAS BEEN COMPROMISED. I HAVE NO IDEA WHO COULDVE DONE THIS TO ME. AS I PULLED MY REPORT I SAW A OUTRAGOUS AMOUNT OF ACCOUNTS UNDER MY NAME THAT ARE NOT MINE. PLEASE DELETE THESE ITEMS FROM MY REPORT. XXXX XXXX {$1500.00} XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$290.00} XXXX  XXXX XXXX {$77.00} XXXX  XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, Ally Bank offered to defer payments due to COVID-19 but in order to process this request I needed to pay the {$90.00} late fee. I paid the fee and was approved for the deferment. Despite my payments being deferred I still continued to pay something and when I logged in to schedule a payment, I noticed the {$90.00} late fee was reapplied on XX/XX/XXXX. I called and spoke to a representative. The first representative gave me wrong information so I spoke to someone else who informed me that the payment was applied as a regular principal payment instead of being applied to the late fee. When I explained that the late fee disappeared when I paid in XXXX, he agreed that he saw that and would have it corrected and to wait 4 to 5 business days. I checked my account after that time and the outstanding late fee was gone again. On XX/XX/XXXX I logged in to confirm my payment was processed on XX/XX/XXXX and I noticed that Ally once again added the late fee back to my account. I called on XX/XX/XXXX and spoke to a representative and she agreed that she saw that I paid the late fee in XXXX and that the system again applied it to the principal instead of the late fee. I explained that when I called on XX/XX/XXXX I was told the same thing and that it was taken care of. This time the representative said to wait 2 to 3 business days and I would that the issue was resolved. I logged into my account 4 days and it still reflects the late fee. So on XX/XX/XXXX, I tried to access my account via the mobile and website but it was down. I called the customer service line to listen to the outstanding balance and the late fee was not removed. On XX/XX/XXXX, when I called in XXXX for the representatives to mail or Email me confirmation of this resolution and I was told they can't do that. On XX/XX/XXXX, I called back and finally spoke to a representative, who assured me that she would take of this and she would also send me a payment history showing the late fee was paid and she would have a manager call back. But to date no one has called me and the late fee is still on my account. I checked again on XX/XX/XXXX and fee is still remaining and no call back. I called multiple times on XX/XX/XXXX and spoke to managers who said they were escalating the case, they placed me on hold and never came back to the line.

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 2018-07-03
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2018 I notified Experian of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Experian submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by a third party company. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Experian claims to have verified. 
After receiving the verification from Experian, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Experian 's assertion that the public records were verified is dishonest.

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 2018-10-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018 I opened up a XXXX XXXX XXXX card because the associate said I would get 25 % off purchases made that day and the next day. I was looking for a disclosure about the 25 % ( because I thought it was 20 % ) and the associate said they didnt have any updated ones so I never got one. I just received my first statement in which the balance is {$1000.00} ( my actual balance is {$1100.00} because I purchased items online that night, so the complaint is for the full amount of {$1100.00} ). When looking at my purchases, I did not receive the 25 % off of everything like I was told. I called customer service and they told me the 25 % off was up to {$100.00}. I was never told this and would not have opened the card. The customer service rep transferred me to a manager at the water tower XXXX in XXXX where I opened the card and she told me she was going to contact the manager of the associate and call me back, but I still havent received a call back.

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 2020-07-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company did not deduct the payments from my bank account and then negatively effected my credit.

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 2017-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 2018-10-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: World Omni Financial Corp.
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: Investigation took more than 30 days

Complaint:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AES/PHEAA
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX  Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
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: Investigation took more than 30 days

Complaint:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

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