BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
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: Was not notified of investigation status or results

Complaint:
I submitted my first request of disputes on XX/XX/2020 with follow ups on XX/XX/XXXX XX/XX/XXXX and XX/XX/2020 and i have no received any letters as replay or any updates my request is been ignore from this company. see attache all the letters ent, and my ID that also have proof of my address i also sent that to this company. 

this company keep reporting inaccurate information on 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 2021-02-04
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to financial hardships, I decided to turn in a car I could no longer afford. The car was returned to the lending company and an agreement made to pay monthly payments in the amount of {$50.00}. A few months into the arrangement, I was asked to increase my payments. I refused because I did not want to agree to a payment I could not afford. Therefore I continued making payments until XX/XX/2019. In XXXX of XXXX the company stop accepting my payments. My online account was disabled and I was told by a collection representative that payments were no longer being accepted and they were pursuing another means of collecting the payment. I tried for several weeks to speak with a supervisor. I was talked to in a very unprofessional manner from several representatives to include the supervisor. I asked for statements and records of my account and was never sent that information. In XXXX I received an email from my HR department notifying me of a garnishment for this account. Days later I received a letter from the company about the garnishment. I attempted to appeal the decision and make several settlement offers but each offer was denied and countered with an amount not much less than the balance this company claim I owed. I've since attempted to offer a settlement but again was countered with an amount not much less than one of the balances this company has reported I owed. The amount the company says I owe is always higher than the amount reported to the credit bureau.

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 2022-11-11
Company: Experian Information Solutions 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:
XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX CHARGE ACCOUNT High Balance {$430.00} >Sold ; was XXXX Closed XX/XX/XXXX PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF in accordance with the Fair Credit Reporting act XXXX Account # 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

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 2019-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a medical bill with XXXX XXXX, they sent me to collections thru XXXX back in XXXX for the amount of {$570.00}. This year XXXX this item was sold to XXXX XXXX and they reported me again as a new debt which affected me greatly on my credit report. I created a dispute with Experian asking to remove this item because the same debt was reported twice, the first time n XXXX and the second time in XXXX, they sent the requrest to XXXX XXXX and they denied it. I think this is illegal to report the same debt and start over again so which means that the original medical bill will stay on my report for another 7 years that would be a total of 14 years. Please advice.

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 2017-11-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
During the month of XX/XX/XXXX I was reviewing my credit report and noticed that XXXX XXXX was reporting a 60 days late payment. I called them and they said that it was for a {$2.00} fee administrative fee that I never knew about. I was never told or explained that this was going show up on my personal credit report. I sent them a letter and they replied that they were reporting accurately. I have repeatedly called and to no avail. No one can explain the {$2.00} charge accurately or why I was n't informed. This has resulted in me being denied a home loan because of the way its being reported ( 60 days late ). I have lost over 35 pts on my credit report for something that I had no fault. I have been a client of XXXX 's since XX/XX/XXXX and I have never been late, as a matter of a fact I barely use this card. I have attached my credit report in order to demonstrate that I do not pay my bills late, that I am very responsible with my payments, My credit report will speak for itself.

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 2019-09-19
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I was not agreed to lease the car, I trade a XXXX paid in full to purchase a new car XXXX but after the next day the finance Agent stated that I have a low score car dealership ( without no prove of it ) and no bank qualified me for a loan therefore, I have to lease the car with their company such is Lexus/Toyota financial services. It's fraud, why? the car was pick up cross off the street in pre-owned XXXX XXXX at XXXX XXXX, XXXX Florida to damage me intentionally. And, i believe my score was great for paying two cars loan successfully with the same bank. Lexus financial service refused to charged Lexus for the car loan or refund me my expensive, Toyota wanted to be responsible of the loan. It's unfair because I have rights. Florida recognizes two separate theories of recovery for damage occurring as a result of misrepresentation. One basis of recovery is for intentional misrepresentation ( technically, fraud is intentional ) and the other is for negligent misrepresentation. In other words, under Florida law, a party may be liable for misrepresenting a material fact even if the misrepresentation was a mistake, instead of intentional. Florida also seems to recognize a legal theory for " false information negligently supplied for the guidance of others, '' although it is unclear whether it is a claim that is truly separate and distinct from negligent misrepresentation. 
Under Florida Lemon Law Statutes. F.S.A. 686115. agreement is void and under Federal Trade Commission XXXX Fraudulent misrepresentation, it is a violation for Defendant or Defendant financial institution to tried to collect money or cause Plaintiff more damages in the credit report agencies to stop further credit availability. That will be a shame

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used the card on Friday, XX/XX/XXXX to purchase hotel reservations online. It asked me to upgrade so I did, but then the window of time to cancel was shortened so I canceled the reservation altogether. The card had to have been open when I initially purchased the reservation because it let me book it ( it wasn't a pay later reservation ). 

After canceling the reservation, I logged in to my account to make sure that the transaction didn't go through and that's when I discovered my available balance was {$0.00} when it should have been around $ XXXX. I tried calling the company ( Comenity Bank ) 3 times to try to find out what happened and also sent and email. When I call I get an automated service that tells me my card has been closed by the bank and can not be reopened. 
I've never been late and if this was a suspected fraud they usually transfer you to the fraud dept and once they determine the charge legitimate, remove the hold. In this instance the account was just closed with no notification or explanation. 

This situation will impact my credit score since $ XXXX of available credit has been eliminated. I know that there are notification requirements and like I said even in a suspected fraud situation you have an opportunity to talk to someone to get your card reopened or a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE RE-INVESTIGATE THE NEGATIVE DEROGATORY ACCOUNT ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Received a reply from TRANSUNION today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Concern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or  Bankruptcy. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgement or tax liens. A Bankruptcy filing is public information. Again, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, ) has found information on ( type of file - Tax Lien or Bankruptcy ) through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ),  and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2019-04-26
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans with Navient increase periodically, and I am making payments timely and in amounts greater than the minimum payment. I have spoken with them and they claim that this is from compounded interest. I explained that there should not be any compounded interest on these loans as I have not missed any payments. Originally the dates they said that they compounded my interest were dates I was attending college full time. I told them that and asked if I sent them proof, could they reverse it. They told me no. I GAVE UP! Then I got my most recent bill and it appears that my balance has gone up slightly again. I have not missed a payment and again I am paying amounts greater than my minimum payments each month. How is this legal? At this rate I will never get these paid off! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019, I deposited 4 money orders into my account that I purchased, that were not used for the intended purposes. The total was {$1000.00} ; one for {$13.00}, one for {$12.00}, and two for {$500.00} each. On XX/XX/2019, my account was frozen. I called to see why, and they told me that the money orders were suspicious & altered. While I did make these money orders out to my former apartments, they did not accept them and returned them to me ( providing a dated letter stating that they did so ), and they did not endorse them. I crossed out the " pay to the order of '' line and wrote my name beside that. I then endorsed the money orders and deposited them. I saved my receipts, so once informed of the issue, I provided the receipts along with the letters from the apartment community to my bank as they requested. They said once they got receipts, they would be able to unfreeze my account. They did not. I am still having the same issue as of XX/XX/XXXX. I need these funds as I've accepted a promotion in XXXX, and have bills that need to be paid. This is the 10th business day, and I spoke with a customer service rep and supervisor in the call center today that said as of now, they don't have a resolve date for me. They are requesting a new letter from my apartments that I am unable to get, as I'm currently in a legal dispute with them and we're only speaking through lawyers. I don't feel that the proof of burden is on me in this situation, as they are the ones who have decided to freeze the account and I have been their customer with no issue for over a year.

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 2017-11-27
Company: EQUIFAX, INC.
State: CA
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 I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXXas the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone using the email XXXX has opened a XXXX  account whatever that is we dont have that in the XXXX. It was my email but I've closed the email account. Said the name was XXXX. Can you look into this please. I think someone has stolen my identity in the USA somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.

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 2020-05-04
Company: ACIMA CREDIT, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
purchased a sofa and piece of carpet, from XXXX  XXXX, financed through acima credit llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX with {$720.00} listed as cash price, not incl monies paid in the store. I was informed, I would be contacted to let me know when my 90 days was near to payoff, no such contact was made, instead, I've been charged {$120.00} a month since XX/XX/2019, with paying over {$800.00} to date, not incl the early payoff, made this month totaling over {$600.00}, and the company is still charging to date the every two week amt of {$61.00}, after doing a payoff, complete racketeering .I am completely disgusted and would advise, No one to deal with these crooks. Had I chk XXXX  site first, I would have never purchased anything through them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery Associates continue to call trying to collect on a discharged ( bankruptcy ) credit card debt. This is harassment and needs to stop. This company is known to buy debt ( even known to be discharged and no longer owed ) and harass people until the finally give up. I have told them this is not owed and do not call. They continue to call and only care about money regardless if it is owed or legal for them to pursue. This is unacceptable and MUST STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pulled my credit report and found that I have several accounts that are unknown to me. 
XXXX XXXX XXXX XXXX XXXX  I have never done business with these companies.

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