BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
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: Account information incorrect

Complaint:
I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and Equifax respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I went to my bank to speak with a banker and was advised that TransUnion had collection accounts that have been cleared by XXXX and XXXX. I attempted to log onto the website and purchase a credit monitoring service so that I can track my score and dispute the incorrect accounts. On 4 separate occasions, I attempted to contact customer service because online and mobile applications did not allow me to purchase the service. These dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

The did not correct my problem and had no resolution. I am unable to check my score or dispute accounts using these tools.

I am attempting to purchase a house an their scoring is preventing me from moving forward. I need assistance.

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 2019-08-12
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I reinstated my loan, and I noticed in XX/XX/XXXX., that I was over charged an excessive amount after the reinstatement. I notified Shellpoint, however nothing was done about it. In fact they attempted to state that the fees was due to legal fees. I advised them once I reinstated the loan I paid the legal fees. Now it happened once again, and this makes the third time that this has happened to me. I reinstated the loan, paid XX/XX/XXXX a head of time, and they still hit me with more legal fees after I paid the reinstatement fees.

Each time I call to make the payment, and they will tell me that they could not take the payment, because they have to get the legal fees. Then they don't call back with the amount. I have to call them back a couple of weeks after, then they will allow me to pay to reinstate the loan. After I pay to reinstate the loan they advise me that there are additional legal fees, which the the one I paid was good for thirty days.

they are taking my money and not applying it to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi there, I reported several fraud charges on my PNC credit card to PNC bank on XXXX XXXX. The representative informed me that they will take care of the fraud charges and send me a new card. But I had a bill due approaching. So I asked the representative whether I can make the payment to my old card. He replied that I can't. And I need to wait until the new card arrives so that I can make payment to the new card for that bill. However, I haven't received the new card until past due day. A {$27.00} late fee occurred. I contacted them about this issue but this time, the representative said that I don't need to wait for the new card to make the payment. I can make a phone call to pay. This information was not disclosed when I contacted PNC earlier. I had no idea there is another option like that to pay. It is the PNC representative 's incorrect information leads to the late fee. However, PNC refused to waive the late fee. Please help me with this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage servicer, XXXX, was bought out by LoanCare. When LoanCare took over, I received a new address and loan number to send in my payments. I did that timely for each month the loan payment was due. After month one, XX/XX/XXXX, LoanCare said they did not receive my payment. I let it go thinking they needed time to find me in the system. After month two, XX/XX/XXXX, my payment was again not received, or so they said. What was really happening was my payments were not being applied to my account specifically due to their error. After speaking with them on multiple occasions, they could see the payments were made but had been pointed to the wrong account. I was told initially that they would handle the problem. The final time I called, because I received another letter ( or two, I can not remember ), that threatened fore-closure, I was told that it would be taken care of in 3 days. That was XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that I was in Pre-Foreclosure! My loan is not in arrears and the company, LoanCare is absolutely in error with my payments!!

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 2017-12-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document. 
Kind Regards, XXXX XXXX XXXXXXXX

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 2019-02-25
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I got an alert from XXXX that my credit score had dropped. Upon investigation, I found that XXXX had indicated I had opened an account and owed {$220.00} and they sold this to XXXX XXXX XXXX. I called XXXX who said they could not access the account as it was no longer theirs and that it had a close date of XX/XX/XXXX. On XX/XX/XXXX, I then outlined in a letter to XXXX XXXX XXXX, XXXX XXXX, and my lawyer that I never had an account with XXXX. 
I did intend to switch to XXXX on XX/XX/XXXX but after visiting their store in XXXX, FL and the employee finding that my current phone numbers could not be ported, I decided not to change to XXXX. I found that XXXX still charged my credit card and on XX/XX/XXXX I returned to the store where I made sure that I did not have an open account and was credited what I had been charged. I believe this " open account '' : was an act of fraud, probably by the employee who waited on me ( XXXX, sales rep XXXX ) who most likely got a commission fore every account he opened. Regardless of how the fraud occurred, I never had a XXXX account and I refuse to be charged any amount for this account I never had.

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 2023-07-20
Company: EQUIFAX, 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:
15 U.S CODE & 1681 C 2 - BLOCK INFORMATION Regarding identify theft. 

accounts # xxxx XXXX XXXX  {$28000.00} XXXX XXXX  # XXXX {$5400.00} XXXX XXXX {$430.00} XXXX XXXX  # XXXX {$73000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
This account was put on " paper suppress '' and I didn't receive a statement. Once I found out there was an amount owing I paid the account in full however it had already been reported to all three credit companies as late. I explained the issue and was told I needed to submit additional paperwork which I have. Last, I received a letter my request was not approved however I don't understand why. I've had this account for 18 year and never been late. No one at the company can explain why. This accounting closing lowered my credit score by 100 points since it's one of the oldest accounts I have.

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 2019-08-12
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning. 


I am here complaining about company that goes by ability recovery services. They put 3 different collection accounts under my name which I paid off back in XXXX I was told all the accounts will be deleted and that it'll be reported to all the credit bureaus as complete and will be taken off any report However, spoke to them back in XXXX of XXXX XXXX and I was told that they will send the status update to the bureaus again and that it could take 30 days for that to update in their system Coming today after over a month, the bureaus are still showing all 3 of the debt collection accounts and are not deleted. I tried calling the company and they asked me to dispute the charges with the bureaus directly with no better solution I have had no help from them! I am trying to close on a home and I am getting pushed back cause of this company not doing thier work of actually submitting the account status as they are supposed to. Instead asking me to take this up directly with the bereaus.

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 2020-12-08
Company: Exeter Finance Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2020 I made my car payment of XXXX to Exeter Finance Corp On XX/XX/2020 they called and told me my car payment was past due and I had a balance of {$5300.00}. I asked why was my payment so high and they told me my loan was at the end of the agreement and that I had to pay the amount in full by XX/XX/XXXX. At the time I was trying to get my home and I knew that I could not afford to have another late payment. I had been doing so well. So I thought I could come up with the money I was running out of time. So I went to my bank XXXX XXXX XXXX XXXX on XX/XX/XXXX and asked about a loan. My banker talked to me about my options and she suggested I refinance. So that is what I did. On XX/XX/2020 XXXX  XXXX XXXX XXXX mailed out the check that same day. On XX/XX/2020 Exeter Finance Corp called me and asked about my payment. I let them know that a check was mailed to them by XXXX  XXXX XXXX XXXX. She asked me was it the full payment of XXXX and I said yes she said she was putting the notes on my account. On XX/XX/2020 I notice that on my XXXX  report my credit score had dropped 40 points and 60 on XXXX. I looked to see that Exeter finance had reported my account as a late. I called Exeter and asked could I speak to a manager and the guy asked what was the issue I told him that I had gotten my car refinanced and my check was submitted on XX/XX/2020 and they still reported my payment late. He told me that his manger wouldnt do anything because they didnt receive my payment until XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Presentment letter never received Contract sent to several different credit collection companies. Stated loans consolidated and or places in deferment and all are under same company. 2 were not places.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 information incorrect

Complaint:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY On XX/XX/XXXX, I have submitted a claim to the Equifax credit bureau, but did not comply with all the requests. Equifax arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or XXXX XXXX   XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX   company from XX/XX/XXXX to May that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account. 
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees. 
They ignored my written request in violation of Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: EQUIFAX, 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:
These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud!

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} 09/19/2012 3 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX   {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX   {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference Chapt XXXX  # XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has 4 hard inquiry on my account which I never made And the address is incorrect I haven, t lived at that address for 12 years my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX   has 1 hard inquiry I did not make XXXX XXXX email me and stated my information was in the black web XXXX about 3 months ago somebody called me had all of my information on a XXXX XXXX XXXX Ask me how pay this bill this card was cancelled a while ago I call my XXXX XXXX XXXX I was good with them it was a fraud my email is 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