BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XX/XX/2019, Company started calling me at my job on a daily bases. 

XX/XX/2019. I called the company and asked them to stop calling me, they stated they would stop, however they continued on XX/XX/2019 XX/XX/2019. I called them and statedthat I would make a payment on XXXX XXXX, when I arrived at the bank to cash my check they had ACH my account for 2 payments which put my account into a overdraft mode which I am unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: NJ
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 have called, sent written notice, and disputed online for inquiries that I do not recognized and/or authorize. 

XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: The Best Service Co.,Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never heard of this company nor have I received any documentation regarding oweing a debt. They have never tried to get in contact with me. I never opened this account and have asked twice now for proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 requested my credit report which i received. I disputed some errors which were corrected such as incorrect names and addresses. I also noticed four erroneous alleged debts on my credit report which is damaging my credit worthiness substantially. I asked that these alleged debts be validated and provide me a signed contract from the debt collectors reporting this alleged debts from Trans Union. I have not received any copies of requested documents as previously asked. Secondly, I requested Trans Union to provide the procedures used to validate these alleged debts on my credit report as well and they have not provided me with the proper documentation as requested.

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 2019-11-12
Company: A & O Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I disagree with a balance reported on my credit by CCI collection company. I talked to XXXX XXXX on multiple occasions and asked them to provide me with all documents and account history to prove I owe them {$330.00}. Until now I never received anything that would show me I owe them that balance. I even reached out to the credit bureaus to help me to resolve this issue. I have been a great customer and paid all my bills on time with XXXX  XXXX. As far as I remember I do not owe this company anything. I respectfully ask you to help me to remove this derogatory account from my history because it is affecting my home buying ability. 

Thank you very much

Company response to consumer: Untimely response
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Company Inquiries 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 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 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the collection with all three credit bureaus and Santander deleted the charge off with XXXX but didn't follow up and submit the deletion with XXXX and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. 

SANTANDER CONSUMER USA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported the following information to get these alleged debts removed from my credit report I requested validation debts and more information and all agencies did not provide and attached is the complaint to identity theft.org

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In review of myXXXX Credit Report there is a listing that Diversified Consultants inquired into my credit for the purpose of Collections.There is no associated debt nor are there any remarks indicating who the client/account that is in collection status. Listing on the report as follows : DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Permissible Purpose : COLLECTION I contacted them twice on XX/XX/XXXX. After providing my SSN and explaining that I wanted to know why they were making an inquire on my account for collection, the first representative explained that they don't have a record of me and hung up. The second representative stated that Diversified Consultants provide 'personal services ' and then hung up.

In both cases, neither representative could identify why the inquiry for collections was made. I am submitting this complaint to prevent further action from Diversified Consultants until I know why they are making these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.

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 2021-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or around the week of XX/XX/XXXX, I received an alert that one of my accounts were closed. XX/XX/XXXX, I called my financial institution, XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX Texas, to inquire. I was told that all my accounts were open. I checked my credit report again, the information stated my credit card account was closed. Again on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX. I informed XXXX my account show closed on my credit report. XXXX stated because I requested the {$2.00} be removed from my credit report, the only way she could remove the {$2.00} was to report my credit card account as closed. I informed XXXX it was illegal to report an open account as closed to the credit bureau. XXXX, asked me what do I want her to do? I informed XXXX she needed to fix and correct the FALSE information she reported. I further told XXXX the information needed to be corrected and updated by the close of business, XX/XX/XXXX. XXXX, advised she would contact the credit bureaus and report the correct information. 

Later on XX/XX/XXXX, XXXX contacted me to inform she contacted the credit bureaus and reported the correct information ; my my credit card account was open, with a zero balance. I called XXXX back, and asked the date she reported the account was opened? XXXX, stated XX/XX/XXXX. XXXX, further stated to give 48 hours for the update to take place. Important to note, I also disputed the information with XXXX  and Equifax. 

I checked my report on XX/XX/XXXX, on both XXXX and Equifax my credit account still noted closed. At this time I received results from XXXX  stating, " disputed information correct ''. On XX/XX/XXXX, I disputed the information. 

On or around XXXX XXXX, I received a result from XXXX, again stating, " disputed information correct ''. Disputed the information again, however, I attached my bank statements showing my account was not closed. To date, I have not received a response. 

In addition to the above, I also disputed the information with Equifax ; to date no response. 

As a redult of XXXX XXXX reporting false information my credit score decreased. 
XXXX XXXX needs to be prosecuted for falsely reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XXXX of XXXX I returned my car that I leased through XXXX XXXX XXXX/Toyota Financial. It was a 3 year lease that I enjoyed all aspects of, for the most part. I leased a XXXX XXXX XXXX that had two key fobs with the car. I returned the car to the dealership with 1 key on a day in XXXX. A few days later ( within the week ) I returned the 2nd key to the same dealership. The dealership did not provide a receipt for the 2nd key that was returned. I paid the balance that I owed for the lease end charges in total as soon as the bill was sent to me. I did not pay for the missing key charge as I thought there may have been an admin timing issue with the key. So I left with a balance thinking it would be cleared when the key was accounted for. I did not hear from Toyota Financial Services until many months after I paid the balance. They contacted me recently over the phone about a charge outstanding on my account for a key fob. I believed this was all resolved back in XXXX of XXXX when I paid the balance and months after I returned the 2nd key. 

1 ) They call me daily about collecting this fee.

2 ) They ask me to reach out to the dealership to clear this up. They work with the dealer, and I have reached out to the dealer on multiple occasions with no response or answer on the phone.

3 ) They call my elderly father about this as well and threaten to send him to collections. 4 ) When I XXXX the price of this key fob it is as low as {$8.00}, they are charging me over {$100.00}. 
5 ) The dealership did not provide me a receipt and Toyota financial did not reach out to me until many months after the payment and key return.

6 ) They only call me by ( 800 ) number and do not leave a voice message regarding the crux of the issue.

7 ) When I do answer it takes a minute for the caller to be actually connected to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Roughly a month ago, I called Wells Fargo to discuss lowering my interest rate, removing a co-signer, etc. I learned that unless Ive been paying on time for about 48 months ( 4 years ), and unless my co-signer is also experiencing financial hardship, I could not have my monthly payments adjusted. I accepted this, and was told by customer service that since I graduated, my interest rate would now be lowered by half a percentage or a quarter of a percent. The problem? I graduated in XX/XX/XXXX. The call was made in XX/XX/XXXX, after Id been in repayment for over a year. I asked why this hadnt been applied when I went into repayment. After all, I went online to confirm Id graduated, and even updated my contact info. The representative told me that since I hadnt contacted them specifically about the issue ( I had called multiple times during repayment and nobody had ever mentioned this ) that they did not apply the lower rate. I told them I had never heard about this in any communication, therefore I wouldnt know to ask for this specifically. I had asked in early XX/XX/XXXX for a lower interest rate or monthly payment, and nobody mentioned the graduation incentive then, either. The representative told me that this is something in the fine print when I signed the loan originally ... five or six years ago when I was still a minor. I asked if the lower interest rate could be applied retroactively, since I had  asked for something to help and had not been given the information. She said no, that was also in the fine print. The amount may be negligible, but this is just one instance of poor customer service and predatory lending practices Ive experienced with WF. The customer lines are often busy ( not even a waiting time, just busy ), and my emails almost always go unanswered. I was a few days late on my very first payment, and as a result can not make any moves to refinance even though every following payment has been on 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 non-monetary relief
Consumer complaint received 2019-11-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ASSETCARELLS/CAPIOPARTNE HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-08
Company: Experian Information Solutions 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under 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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Credit Reporting company below was contacted : TransUnion Consumer Relations, XXXX. XXXX  XXXX, XXXX, PA XXXX, ( XXXX ) XXXX The 1st letter was sent to TransUnion company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( e.g XXXX vs TransUnion ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.

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 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I hired someone for an office manager position at a XXXX  I own. Within days, she began using my Capital One credit card for numerous unauthorized charges, unbeknownst to me. Over the course of several weeks, she continued to increase this behavior to fund her personal expenses and several expenses for another business she was trying to start, in the amount of {$6600.00}. As this came to light, we approached the employee about it, at which point she tried to conceal the nature of the charges through various lies. She was fired immediately as she'd demonstrated herself to be a fraudster. I reported the fraudulent charges to Capital One at that same time. Initially, they reversed the charges. Subsequently, they reinstated the charges stating that this does not constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX  AND TRANSUNION HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX  XXXX  XXXX  XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX XXXXNOT MINE XXXX XXXX XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX  XXXX  XXXXNOT MINE XXXX   XXXX  XXXXNOT MINE

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 2017-09-19
Company: Experian Information Solutions Inc.
State: WI
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:
Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.

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