BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Cedars Business Services, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lost my job during covid in the XXXX I contacted the bank that because i lost my job my visa was cancelled so I can manage my auto loan i was told if i returned the car I would no longer owe the bank anything. I did and traveled back home to the XXXX in XXXX. I kept trying to reach the bank to reach an agreement for the clearance letter nobody replied. 
In XX/XX/XXXX Cedar financial ( US Debt collector ) contacted me and I told them what happened so they said they would contact the bank and reach back out to me. In XXXX they do a hard credit pull with no authorization no communications till this morning saying I had to pay the full balance from XXXX that the bank never got back to me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 received an email that I had two hard inquiries on all three creditu bureaus in one day. I called Transunion and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2023-01-31
Company: Experian Information Solutions 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 information incorrect

Complaint:
I HAVE ASKED EXPERIAN, XXXX AND XXXX MULTIPLE TIMES TO INVESTIGATE THE ITEMS THAT ARE REPORTING ON MY CREDIT REPORT AND IF UNABLE TO VERIFY TO DELETE. 

I recently submitted a dispute requesting that they remove the following inaccurate accounts ( or that you update the erroneous information ) and it was ignored. I asked for their method of verification and documentation to prove they performed an independent investigation. 

They did not send me any sort of information but instead, denied my dispute and just verified everything as accurate. 

I also noticed that are reporting the date of the last activity incorrectly on one and payment history is inaccurate on the others. How is this possible? 

These disputes were ignored : XXXX XXXX - delete this account for inaccuracy, the date of last activity states : [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment date is reporting at 30, 30, R. This is a violation. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - delete this account for inaccuracy, the payment history is reporting in XXXX : 30, 60, 60, 60, 90, 60, 90, 90 this is a violation. 

I would like ALL of these accounts removed from my credit report as the bureaus DID NOT file an investigation nor did they provide me with the documentation asked in order to confirm their findings.

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 2022-10-04
Company: AUTOMOTIVE CREDIT CORPORATION
State: NV
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:
Automotive Credit corp is showing an inaccurate balance owed of {$4000.00}. I disputed this inaccuracies with XXXX, XXXX and XXXX. Automotive credit corp has verified and certified the furnished information is accurate. I then did my own investigation and determined that Automotive does not own this account anymore. They sold this account to XXXX and charged it off. As a result of that sale Automotive credit lawfully has to update my consumer report to {$0.00} balance. I owe no money to Automotive credit since they no longer have ownership of the account. The FCRA requires furnishers to furnish accurate infomation. The FCRA also requires Automotive credit to investigate disputes. I tried calling the listed number on my consumer report and they refuse to help me because they said they no longer hold the account. This inaccurate reporting is a violation of 15 USC 1681 also since they failed to complete their duty to update the consumer reporting agencies this is another violation and noncompliance with the FCRA. Also when i filed my dispute with the consumer reporting agencies and the dispute was forwarded to Automotive Credit they verified the inaccurate information instead of doing a reasonable investigation which is another violation of the FCRA.

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 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a mortgage with Bank of America and it was paid off XX/XX/2020. On XX/XX/XXXX Bank of America deducted another mortgage payment in the amount of {$5300.00} for the month of XXXX for a loan that was paid off. I have called the bank and spoken to numerous representatives who have all assured me I would be getting my money back but here I am ( 21 days later ) and I still have not received my money back. I have simply asked that the funds be returned to the Bank of America checking account they took it from and I have received excuse after excuse. My average wait time to speak to a representative is a minimum of 2 hours and I've made at least 8 to 10 calls. I'm frustrated and I'm at my wits end. I have other obligations to meet and the bank taking these funds has placed me in a difficult situation. I would appreciate anything you can do. 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 monetary relief
Consumer complaint received 2023-01-31
Company: Resurgence Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Resurgence Capital put a lien on my bank account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, Resurgence and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called XXXX XXXX XXXX XXXX XXXX that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to Resurgence Capital, nearly 8 years after I resolved my issues with Resurgence. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, Resurgence Capital LLC. 

I called the XXXX XXXX XXXX XXXX XXXX to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with Resurgence Capital. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from a debt collection company XXXX of 2022, in the amount of {$71.00} I responded to them stating that it wasn't my debt. I checked the box asking them to send me the address and name of the original creditor. I never received anything back. 
I received another letter today with the same information as the first letter, but now the amount of the debt is {$1000.00}. it can't possibly be mine. I have insurance I've never been contacted my insurance for this nor the medical facilities I go to. They mention a XX/XX/XXXXXX/XX/XXXXbut I've never been there. I don't know if I should send this second letter back to them since I never got the verification from them for the first letter. I'm really not sure what to do at this point but I'm sure it's not my debt. The debt collection company has XXXX different reference numbers for the XXXX letters I received. The first one has as reference # XXXX, the second letter has reference # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated as soon as possible for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax : XXXX ATTENTION PORTFOLIO RECOVERY ACC #  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
As of XX/XX/2022 XXXX reported that my account is/was 120 days late with {$52000.00} past due.I previously had this same problem with this creditor a few months prior. XXXX transfer this account to another company XXXX as of XXXX XXXX.During that time my loan was in process of a modification due to the pandemic. As of XXXX XXXX this home was paid in full. XXXX has now caused my credit score to DROP XXXX points for which has now cost me from obtaining a new home! This is a violation. XXXX  is/was no longer my service provider and has reported my account being 120 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX XXXX XXXXXXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open 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
Consumer complaint received 2023-06-15
Company: Exeter Finance Corp.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a " NOTICE OF RIGHT TO CURE DEFAULT '' from EXETER FINANCE, LLC. I was not informed of my right to dispute the alleged debt, nor was I provided thorough instructions of how to go about the procedure to do so. 

Further, I have been receiving frequent calls in the past, as well as letters threatening and harassing me, the consumer. With the latest letter I received on XXXX XX/XX/2023, I was instructed to " pay '' the amount due or forceful and inequitable actions would be taken against me such as repossession. 

Pursuant to the FEDERAL RESERVE ACT, Sect 16 ; the loan for the application is actually used as the " money '' to pay for the transaction. 

Pursuant to the Truth In Lending Act, Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Their investigation did not fix an error on your report

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
I received an inquiry from this company. Ive never opened or attempted to open an account with this company. I called to see if an account was open but they said they have no records of it. Remove inquiry and account if one was made.

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 2023-02-22
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing this complaint towards XXXX XXXX XXXX in association with TD Bank N.A. I purchased an XXXX XXXX XXXX from XXXX early XXXX and am extremely disappointed with the mismanagement of these products and poor customer experience I face everytime I reach out to someone for assistance. 

The bike continuously buffers and crashes during rides, and I am still being obligated to pay for a membership and warranty that I can not even gain access to because whenever I call XXXX XXXX XXXX for support the hold times are constantly 20-30 minutes long. Chat support also refuses to assist accordingly when I seek them out as an alternative. 

I should not be responsible paying monthly payments for an installment loan tied to a product that I have since requested be returned and can no longer utilize. This has been a constant struggle with this company from Day One and they do not seem to care about customer experiences let alone the inconvenience these situations constantly create on the regular.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Car Credit Inc
State: IL
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:
On XX/XX/XXXX, I filed a complaint against Car Credit for their unauthorized inquiry reporting on my Consumer Report, and the company responded on XX/XX/XXXX, stating there's no record in their database of me. 
Asking for the date of the inquiry, which was on XX/XX/XXXX, through XXXX and XXXX. 
Also, the company has asked me to provide a screenshot of the inquiry in which i have done!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation