BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by XXXX.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have 2 homes which have never been paid late 1 car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal sent an overdue balance to XXXX XXXX XXXX. I have not used paypal in so long that i can not even remember login information. I never received a bill or any overdue notice of any kind? I never used paypal for any purchases only to send and receive a payment to and from a co-worker last year. I had a XXXX balance and have not used paypal since? Trying to call them is impossible. now this collection agency is threating action on a debt that I have no knowledge or information on. I need to know about this purchase so I can dispute the charge and see who is fraudulently using the account. Thank-you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a new car Kia XXXX XXXX, for 3 years. The lease ended on XXXX XXXX. I decided to purchase the car and got Financed with a XXXX XXXX XXXX XXXX. 
The leased contract specified in writing if I decide to buy the car at the end of the lease, the residual value is {$15000.00} They give me a purchase order with a new price value of {$16000.00}, and after I complaint in person at one of their local dealers here in XXXX, Florida, they said this is final, if i want to keep the car. ( besides all the other ridiculous charges they did as extra ) I had to proceed with the lease buy out without any option because of the due date of the lease. 
I want you to please make this company to refund me the extra amount they charged me for the car itself, without legally respecting their own lease contract agreement. 
The difference amount to be refund is {$780.00} The company is : Kia Finance XXXX XXXX XXXX XXXX, TX XXXX. 
Account # XXXX The buyers order provided by XXXX Kia, located at XXXX XXXX XXXX XXXX in XXXX Fl. 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 2021-06-01
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made mortgage payment on XX/XX/2021 using the debit card I use to make all payments and purchases. On XX/XX/2021 I noticed no withdraw from the account so I phoned. After a long period on hold I was disconnected. So I emailed several times and was told the matter was " under investigation ''. I emailed several more times and got no replies and still no transfer of funds from my account. I contacted my bank to see if they were the problem and they said they had no record of contact from Mr. Cooper. When I logged in on XX/XX/XXXX it said my XXXX payment had not been paid and there were large late charges. I called and this time got through to a customer representative who said the payment was returned for " insufficient funds ''. I told him there was XXXX in the account and that the bank said no record of contact from Mr. Cooper. I was transferred to someone who took payment over the phone and tried to charge late fees. I objected but I do not know if they were removed. I see still no withdraw from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: LEXISNEXIS
State: GA
Product: Credit reporting 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 XXXX I requested a copy of my LexisNexis report. When I received it, I noticed incorrect information and a telematics section. The telematics data on my report seemed to specifically track accelerations and breaks. This information was placed on my LexisNexis report creditors and insurance companies to access. There were also false reports of at fault accidents. 

I called Lexis Nexxus multiple times but could not reach anyone. I followed the instructions of their automated system and sent an email with my dispute, questions and concerns to XXXXXXXX The first communication was sent on XX/XX/XXXX to which I received no response. I sent a follow up email on XX/XX/XXXX. Again, no response. Another follow up email was sent on XX/XX/XXXX to which I received no response. 

Each time I called I was again directed to send an email via their automated system. 
When I finally reached someone in XXXX, she would not acknowledge my dispute, listen to my concerns or answer any questions. Her only response was " have you requested a new report ''? 

I need to know why this information was accessed without authorization, why it was on my credit report and have all disputes reported reviewed and resolved. I also need to know which companies accessed my information. 

I believe that I'm paying too much for insurance and that I've been denied coverage as a result of the information on my report. LexisNexis should be required to respond to my dispute and inquiry due to the impact their poor reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I found out yesterday morning that this company was tryin to sue me for a alleged debt. And possible jail time!! I have never received any letters or anything!! Also, XXXX XXXX is leaving threatening voicemails!! And later on yesterday afternoon tht same company called my brother tht i haven't spoken too in 8 yrs & threatened to come by his house to locate me!! I have no idea how they got his information. The first file i uploaded is the voicemail the company left my brother yesterday. The second file is the voicemail they left me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$8700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Please remove the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The issue is this : payments I paid to Amerihome Mortgage Company in escrow to be used for payment of real estate taxes in XXXX are being wrongfully withheld by Amerihome since XX/XX/XXXX, and not used to pay the taxes. 

I have attempted to go through the proper channels and provide Amerihome Mortgage with all the proper documentation and contact information indicated to resolve Amerihome Mortgage not paying my XXXX property taxes in a timely manner. Having originally contacted them about this issue in early XX/XX/XXXX, and launching multiple phone and email inquiries from XX/XX/XXXX through XX/XX/XXXX, I feel I have no other recourse but to file this complaint with the CFPB. The original total due in XXXX, XXXX was {$8100.00}. Amerihome continued failure to pay resulted in added penalties and interest, so now as of XX/XX/XXXX the TOTAL DUE is {$11000.00}, with penalty and interest continuing to accrue. I am afraid that a tax lien will be filed, and my credit report will be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 I asked XXXX XXXX to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-09-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I REQUESTED A MODIFICATION FOR MY HOME LOAN TO CARRINGTON MORTGAGE SERVICES, I STATED TO REQUEST THIS MODIFICATION ON  XXXX OF XXXX. THE REASON WHY I REQUESTED THIS MODIFICATION WAS BECAUSE OF I HAD FINANCIAL PROBLEMS WITH MY BUSINESS. ON THIS PERIOD OF TIME I MADE SURE I MADE AT LEAST NOT TO HAVE MORE THAN 3 PAYMENT IN A ROLE, SO THAT MY ACCOUNT DID NOT GO TO FORECLOSURE. FOR THE 3 MONTHS THAT I WAS BEHIND I REQUESTED TO SKIPPED UNTIL THE LAST PAYMENTS OF MY MORTGAGE .FINALY THEY PROVIDE ME WITH AN APPROVED LETTER SAY THAT THEY APROVE ME FOR A BALLOON PAYMEN SHALL MEAN A FINAL PAYMENT .THIS  WAS APPROVED IN XX/XX/XXXX JUST WHENT THE PANDEMIC OF COVID BEGAN. I STARTED TO LOOK OUT FOR HELP, AND THEY TOLD ME THAT I DID NOT QUALIFY FOR THE COVID 19 HELP, BECAUSE IT VAS A CONVENTIONAL LOAN, AND THEY SAY I HAD TO APPLY FOR ANOTHER MODIFICATION, I DON'T AGREE WITH THAT BECAUSE OF THE PANDIMIC HAS HAS AFFECTED ME FINANCIALLY AND I HAVE NOT BEEN ABLE TO WORK. IM TRING TO GET HELP AND GET MORE  TIME AND IM WORRIED I DONT ' WANT TO LOOSE MY HOME. I HAVE BEEN SENDING THEM LETTER, AND CALLING ALL THE TIME TO GET HELP AND THEY DON'T HAVE ANY ANWER, THEY ALWAYS TELL I NEED TO WAIT AND SEND SO MANY PAPER WORK OF THE SAME .AND I ALWAYS GET DIFFERENT ANSWERS. THE LAST TIME THEY TOLD ME THEY WHERE NOTE SURE IF THEY ARE GOING TO GIME ME THE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has not responded to my previous disputes. The account is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-06-05
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: Information belongs to someone else

Complaint:
I am highly disappointed with Experian. They are the only company out of the 3 bureaus that refuse to remove these 2 fraud accounts from my profile. both XXXX and XXXX were able to confirm that those accounts were indeed fraud. I sent out The beginning of XXXX and experian refuses to remove these accounts. PER 15 USC 1681 B AS A CONSUMER I KNOW MY RIGHTS YOU ALL CAN NOT FURNISH ANYTHING THAT I SAY IS FRAUD ON MY ACCOUNT. YOU ALL CAN NOT FURNISH ANYTHING ON MY ACCOUNT THAT I SAY DOES NOT BELONG TO ME. At this point experian is breaking the law and I may have to take legal action if this matter isnt corrected asap. I will give this company one more chance to properly investigate because this company never sent me the steps they took to verify the account nor did they tell me if they found my actual wet signature attached to these accounts, WHICH IS ILLEGAL DUE TO THE CONSUMER LAWS. THE ACCOUNTS THAT HAVE TO BE REMOVED ARE XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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. CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: Experian Information Solutions 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:
The following student loans were reported on my credit report.. 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/XXXX XXXX , XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX , XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX..Based on my research, all government funded loans are not allowed to be reported , this is a clear violation of the FCRA..I disputed the accounts with Experian for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-08-01
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: Account information incorrect

Complaint:
A company called XXXX XXXX reported 2 accounts on my EQUIFAX account.I try to contact that company to ask where those accounts come from and they do not have a correct info they was told to me that they are a third party collection company.I ask for accounts information and they have not all completed info.I contact equifax to complain and they was told to contact that collection agency, after i explain that i contact the collection agency and they do not have correct info, still EQUIFAX refuse to resolve my problem and they still have on my file those information even that they are incorrect and with errors.This is action a taken against me is on unappropriated.With out any prove they keep still on my file those reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

Midland credit management said I owe {$15000.00} to an old ( XXXX XXXX XXXX? Does not say what type loan. From original creditor, XXXX? I have never had a load from XXXX nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.

Company response to consumer: Closed with explanation