BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DCI ( Diversified Consultants inc ) called my home phone number at XXXX XXXX on XX/XX/XXXX about a {$71.00} debt supposedly owed to XXXX XXXX XXXX. This was paid on XX/XX/XXXX. I explained this to the representative and was told that I need to have documentation proving this. I gathered the documentation and called back. I was told that they opened a dispute and instructed me to upload the documentation proving I paid it by going to the website ( dcicollect.com ) and clicking on the dispute claim form. https : //www.dcicollect.com/ When you do, you get an error 404 form not found. https : //www.dcicollect.com/support/disputes/ It is absolutely unacceptable that you can not actually provide documentation to the collection agency to clear the dispute. ( The only choice that works is either to pay or to report fraud ). I called DCI back and spoke to XXXX XXXX, who informed that all he could do was pass this to IT to have them look into it. I asked how I could clear this debt today and was told its not gon na happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: PA
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 was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.

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 2022-01-17
Company: EQUIFAX, INC.
State: PA
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 was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Ocwen Financial Corporation
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a property in XXXX which I can no longer afford to pay the mortgage. The tenants did not pay rent and was allowed to continue to stay in the property for extended months. I got a Realtor who placed the property for short sale and there was an offer for the said property. The realtor contacted the mortgage company PHH Mortgage several times and was not given a response neither was the offer accepted. Some time past and the property was placed in foreclosure by XXXX XXXX. XXXX was submitted to the XXXX XXXX and it was denied. I have attached copy of the denial letter.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: NJ
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 am writing to inform you of unauthorized inquiries on my credit report that I would like removed. As per the Fair Credit Reporting Act ( FCRA ), unverified and unauthorized items must be removed from the credit report. Therefore, I request that you remove the following items from my credit report : XXXX account that shows closed on XX/XX/XXXX XXXX  XXXX XXXX that shows closed on XX/XX/XXXX Hard inquiry from XXXX XXXX XXXX Inquiry : XX/XX/XXXX Additionally, I noticed that Experian is reporting an incorrect address on my credit report. The address mentioned is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, but that is not my address. 

Furthermore, there are inquiries on my credit report that I did not authorize, such as : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX I request that you investigate these inquiries and remove them from my credit report as they were not authorized by me. 

I appreciate your prompt attention to this matter and look forward to your reply. 

Sincerely, 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 2022-01-20
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I lost my job due to pandemic on XXXX of XXXX and my son lost his job on XX/XX/XXXX we can not afford to pay the monthly payment of the car so we decided to voluntary surrender the car I call the Credit department of ford they send a letter of voluntary surrender which stated that they going to sell the car in auction and if the sale did not cover the due balance of {$25000.00} plus sale expenses I will pay the difference.I call them back and told them that i am not going to sign the letter and i will just drop the car to Dealer where i bought the car which is XXXX XXXX in XXXX I call XXXX XXXX but they did not want to accept the car and said that i can drop the car but they are not going to give a documentation and it on me if something happen to the car.I called back Ford credit department but i can not get an answer so i decided to file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: CT
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:
Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX  to XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months XXXX XXXX was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous XXXX XXXX agents and paid my principal on the loan in XXXX of 2018, XXXX XXXX  Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on XXXX XXXX incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. 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 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX & XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-14
Company: Bridgecrest Acceptance Corporation
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Bridgecrest/XXXX  about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Bridgecrest/XXXX, so it should be removed as soon as possible. My credit report says the estimated amount is for {$19000.00} and the account was opened on XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Bridgecrest/XXXX will not do anything.

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 2022-01-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/2022 AT XXXX I SPOKE WITH A BULL CITY SOLUTIONS REPRESENTATIVE NAMED " XXXX XXXX '' I EXPLAINED THAT XXXX XXXX POSTED DUPLCATED ACCOUNTS ON MY CONUMER REPORT THAT REFLECTS NEGATIVELY ON MY CONSUMER REPORT. AS A RESULT, I HAVE DISPUTED THE ITEMS CONSIDERING THE 9 YEARS THE ACCOUNTS WERE LISTED ON MY CONSUMER REPORT WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions Inc.
State: MN
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:
Multiple Inquires on report and still continue. Have block access with sage stream, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: RENASANT CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had previously tried to establish a home loan. And during the final stages of underwriting, I was asked how was a account ( that had been paid off for 2 years ) been paid on. Was it weekly, monthly, or a lump sum payment. If you have the proof that a account has been paid off, it's at a XXXX balance it should not matter how it was paid off. i know for sure that this was just anything to not approve me for the loan. It is very discriminating to people of XXXX trying to get a loan. May I add that when I went to another bank I got approved for my new home! So please be very careful and pay attention to detail of the managers that will be working on your loan at Renasant Bank. Be aware and run!!!!!!

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions.

2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects.

3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.

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 2023-10-06
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX XXXX, my daughter, as a result of XXXX XXXX  from mismanagement of her medications, XXXX XXXX XXXX XXXX XXXX. I rushed her in my car, to an in-network hospital where she received life saving treatment. She underwent XXXX  XXXX and it was determined that for the safety of her life and continued life-saving treatment, she would need to be transferred to another in network facility for continued to care. She is a minor. We asked if we could transfer her in our car from the hospital to the mXXXX XXXX XXXX  and were informed we could not. At no point in time was I ever informed that there would be charges beyond those covered by my insurance, allowed to choose an in network ambulance provider, nor was I even given the ability to consent to her ambulance transfer. I never received any paperwork regarding even what ambulance company was transferring her or anything regarding authorizations with the hospital. She was checked into an in network facility and transferred to another while she was checked in. I was then billed XXXX for this ambulance transfer. The company XXXX XXXX XXXX it has since been transferred to collections ), was paid an agreed out of network rate from my insurance provider, and charged me the remaining amount. I called them and requested information regarding this ambulance transfer and the documentation related to its authorization. I requested the documentation they received from the hospital regarding the ambulance transfer, authorization etc and they would provide nothing. They were completely unhelpful, refused to research the issue, and were distressing on the call. I then contacted the hospital billing department. The hospital stated they did not even have appropriate paperwork in hand for her transfer and told me they would research and reach out the ambulance company, as they didnt have record of appropriate authorizations etc. I followed up multiple times without response. The charge was then transferred to a collection agency of which I sent a letter stating the nature of the charge was erroneous. They never replied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: Telsa Motors Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I provided a {$1000.00} down payment to Tesla to reserve my spot in line for a future vehicle. At least 3 months ago, I do not have the exact date, I submitted a refund request and was told it would take 45 business days to receive. It's been long past that time period and I have not received my refund. When I called their customer service line XXXX the automatic call router would not allow me to speak to a representative and instead forced you to email XXXX which I did XX/XX/XXXX. No one responded to my email and I emailed again XX/XX/XXXX and received an automatic email stating the email account was no longer monitored. Looking online it appears this is a consistent pattern https : //forums.tesla.com/forum/forums/refund-deposit please help me obtain my refund. My account is XXXX and I'm requesting the refund check be mailed to my address ( XXXX XXXX XXXX XXXX, TX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I open account on XX/XX/XXXX, until today XX/XX/XXXX I am paying the full amount of balance in each statement before closing day. But just a few months ago ( 4 ) this card start charge interest anyway if I paid the balance. I call several time in order to review what is wrong and got a different answer. The point is as I knowledge when you pay in full the statement balance is not possible to charge interest for amount that are coming in the next period. ( You can avoid paying interest on purchases by paying your balance in full ( or if you have a Plan balance, by paying your Adjusted Balance on your billing statement ) by the due date each month - AMEX PAYMENT PAGE ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault. 

I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records. 

As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX 

I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance. 

Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.

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 monetary relief