BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Regional Management Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was speaking to Journey at Regional Finance in XXXX Mo and I was explaining my circumstances that I wouldn't be able to pay due to me wrecking my vehicle and my XXXX being unable to attain employment. I told her that my wife was in the process of being hired at a job where we will be able to commute together and once her paychecks start coming in we would get caught up. I also told her of the alternative that once we get my XXXX XXXX XXXX I can get a cash advance for my income tax return to pay off or catch up my loan. She then told me she would be unable to wait for that and they would be sending it to their legal department to garnish my wages. I am only XXXX days late according to what she told me and I find it baffling that they'll XXXX my check after such a short time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: First Associates Loan Servicing LLC
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. XXXX  Has Been Notified Several Times About These Issues And They Still Remain 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 2022-08-13
Company: First Credit Services 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:
I am writing today because my identity was stolen and used not once but twice. I received notice from a company called FIRST CREDIT SERVICES claiming I owe {$700.00} XXXX. I immediately reached out to FIRST CREDIT SERVICES in XX/XX/2022 and explained that I did not open an account with them or their affiliates and that there was some mistake. FIRST CREDIT SERVICES requested I send a fraud dispute letter in writing and a specialist would contact me regarding the unauthorized accounts. As of today FIRST CREDIT SERVICES has not responded to my fraud request or given me any helpful information to help me. This companies have ignored me and my rights and reported this account to the credit bureaus. I have reached Out to the credit bureaus and they are holding an investigation. I have also filed a police report with my local authorities regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reported and disputed charges on my XXXX XXXX XXXX Credit Card XXXX XXXX in XXXX XXXX for additional charges placed on my credit card for items I did not order or receive. I only ordered four {$45.00} items but was only sent and received two {$45.00} items ( A total of {$90.00} XXXX. for those two {$45.00} items. The remaining chargeson my credit card are bogus. I filed a dispute and submitted supporting documentation to XXXX XXXX whom failed to resolve this issue. Instead XXXX reversed the charges of {$850.00} back to me for me to pay for merchandise I never received.The company in question is called XXXX XXXX XXXX whom falsely advertises and represents themselves as XXXX XXXX XXXX.. I now know this is not a XXXX store but rather a fradulent company operating out of XXXX. Their website is XXXX XXXX ordered I placed on XXXX was for tour items at {$45.00} each. Four items were ordered but only two itits were sent and received. The Merchant individually sent the two items with seperate packaging and seperate tracking numbers each package weighed 1 pound. When I addressed this issue with the Merchant requesting my two remaining items the Merchant simply replied that no other items will be sent and no credits will be placed on my credit card. I reported and sent this correspondence to XXXX XXXX to help assist with their investigation. XXXX have failed in their lending practices and is upholding a fradulent company. I now have a fradulent credit card charge and bill for {$850.00}. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I proactively called US Bank to informed them that I 'm no longer able to continue making payments on my 2nd home due to a job relocation. Although, my house has been vacant and on the market for 11 months, I have not gotten any serious offers. The bank representative said I did n't qualify for a short sale, but would be able to assist with a Deed in Lieu. I submitted all required documents and to date they have been stalling asking for my current year to date pay stub. I submitted my annual salary twice to the bank, but they have not taken any action. I called the Relationship Manager, and was told that the bank is considering a refinance option for me. I never asked for any refinancing options as I do not want to keep the house ; since I can not afford it. Their are certainly against my request, inconsistent with my telephone conservations with the customer support agent and were NEVER discussed with me prior to me elevating my request to speak with the manager.

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 2018-06-05
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Problem with credit report and score after we had agreed with the offer they had given me on their web site to for give three month of payment. Then after three month pay at the END OF THE XXXX MONTH ON THE XXXX. What they ended doing was report me to all three credit company saying I didn't pay on time. Hurting my credit score and hardship to me and my family after back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2019-02-14
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. 

They did not send me any contract where I signed to pay them anything. 

I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: MI
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 have sent letters to the companies as well as dispute with the credit reporting agencies about these alleged accounts on my report, as well as a bankruptcy on the account. I also asked for verification of the validation since I am being told that it is still accurate and correct. I was told they have a contract with the reporting company and that do not have to disclose any of that information with me as the consumer because it matches my social security number.

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 2019-07-18
Company: FREEDOM FINANCIAL NETWORK
State: TX
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:
Freedom financial has harm my credit by reporting I have a outstanding balance With then after I never accept there loan. I have been lied to repeatedly but there customer service team. They refuse to give me documents to show my loan is balance is XXXX. 
This company has ruin my ability to get funded elsewhere due to this loan being place on my credit report as a open high balance account. I never wanted the loan from them they retaliate by waiting three weeks then reported to the credit bureaus. They refuse to acknowledge what they have done or take accountability for the lies I have been told. Lending tree refuse to all or me to put up a honest review on this company also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have informed the Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, I still have not heard back from XXXX regarding my request. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over 20 points. I do not understand ... 

XXXX XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$1100.00} XX/XX/XXXX -  {$1000.00}

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 2022-01-10
Company: Experian Information Solutions Inc.
State: NC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: DISCOVER BANK
State: AE
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:
Discover Card closed my account due to two payments being returned and their inability to verify my identity. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after Discover account is close, I continued to make on time payments and the balance on the account is {$0.00}. As a service member, we sometimes do not get communication that our accounts may be compromised. 

Discover Card inability to verify my identity is because my address is a U.S. XXXX XXXX  Address for XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Residential Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've been based overseas for years. If Discover Card is treating me like this, I can only imagine how they are treating other Service Members that resides XXXX I strongly recommend CFPB look into Discover Card practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
- Buyout payment was received by XXXXF  on XX/XX/XXXX along with odometer statement - XXXX  cashed the check on XX/XX/XXXX - I was told it would take 3 business days for the account to be updated - On XXXX customer service told me they did not have the odometer statement so I uploaded it to the website - On XXXX I was told the account was closed and the title would be mailed out today XX/XX/XXXX - Today, I called and they told me they can not release the title until they have an odometer statement, which I already submitted twice - I am unable to speak to anyone in titling and it seems customer service is unable to communicate directly with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: D2 Management LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call regarding a balance ( {$140.00} ) on a payday loan from XXXX XXXX. I advised I did not take out a loan with XXXX XXXX for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( D2M ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was making a hotel booking at the XXXX XXXX hotel chain. I found a good deal and was looking at prices. I saw they were advertising the Chase Bank credit card for XXXX. I clicked on the offer and was taken to Chase.com website. I took a screen capture of the offer where they offered 3 free nights after spending {$5000.00} on the card on 3 months. My application was submitted successfully directly with Chase and I got approved for the card. I called Chase to confirm the 3 free nights and the lady on the phone ( XXXX ) told me she didn't see the 3 night offer and to send chase a private message through my online account portal. I did and they replied that they needed to see a copy of the promotion. Thank XXXX I had taken a screenshot so I sent them that and after that they said they couldn't honor the offer. This is classic bait and switch and has left a very very sour taste on me, to be gamed this way but what I thought was a prestigious bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: IL
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:
My credit report has been mixed up with my XXXX  and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both experian and XXXX havent been able to do anything. XXXX theres still has inquiries that aren't mine, and a reported closed account, not mine either. Experian has a account thats not mine on their report and another closed account.

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