BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Experian Information Solutions Inc.
State: LA
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:
All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-05-17
Company: AVANTE
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter on XX/XX/XXXX to Avante XXXX asking for debt validation and the company mailed me a letter back on XX/XX/XXXX stating that they were unable to locate the account. Even though the debt is on my credit report If the company cant provide me with accurate information I requested or cant locate a account with the information I provided the debt should be deleted from all reporting credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My Chase checking account submitted AND payed a XXXX payment to a XXXX XXXX for {$880.00} on XX/XX/2022. I've contacted Chase and filed a dispute only to have it denied a few weeks later. I do not know this person or did not make the payment to this person. The bank will not give me XXXX 's email address or phone number so I can contact this person about this transaction. I went to the bank last week but they just had me call Chase customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Account was paid in full and should never have been turned over to collections. We paid this balance in full, {$200.00} was paid on XX/XX/XXXX another {$200.00} was paid on XX/XX/XXXX and {$380.00} was paid on XX/XX/XXXX. On XX/XX/XXXX the company still attempted to collect a payment of {$480.00} by sending me a debt collections letter saying we had 30 days to dispute but then they reported a collections on my credit on XX/XX/XXXX after the debt was paid in full. When we reached out to the company on XX/XX/XXXX to dispute this and have this corrected we received an email back from XXXX XXXX on XX/XX/XXXX stating that it was due to an internal error on their part and that we were actually getting money back because their system was reporting incorrectly. The collections still remains on my credit and should be removed.

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 2018-05-17
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXXXXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions 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:
I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

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 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion, Experian, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has XXXX credit inquires. None are mine, Equifax fixed the inquires on there report but Experian and Transunion are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 2016

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 2021-09-15
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Their records show i opened a XXXX account in XX/XX/2020. I did not open a XXXX account in XX/XX/2020. I've talked to way too many people who are either rude or hang up on me. They said they cant send me any kind of proof that it was or wasn't me. I asked for the contract with my signature and they hung up on me. My cell phone provider is XXXX for the last 5 years under someone else 's name. My name isn't on the account and i don't pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Per response to my previous CFPB complaint of garnishing me without proper notification, Midland Funding indicated that their attorney, XXXX XXXX, would be refunding me for the money collected from my paychecks, including poundage fees. 

The garnishment has since been released and of the {$5900.00} that was garnished from me in XXXX and XXXX I have received a refund of {$4700.00} from XXXX and XXXX checks in the amount of {$550.00} each from the courts. 

This means, as of today XXXX, I am still due a refund of {$110.00} in fees withheld by the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: Robert L. Tankel, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I purchased a home at XXXX XXXX XXXX in XXXX, Florida, XXXX and the XXXX XXXX XXXX XXXX billed me for their {$60.00} annual dues before I could occupy the property. Their management company, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Florida, XXXX promptly referred the {$60.00} debt to their XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Fl XXXX, for collection and refused to even discuss the matter with me. The law firm filed suit for {$2500.00} to collect that {$60.00} debt.The XXXX XXXX even told my tenant of the property to pay his rent directly to them until the debt was paid, thus damaging my relationship with my renters. 
An attorney I randomly selected, XXXX XXXX, was kind enough to negotiate the amount owed down to {$1800.00} on a pro bono basis and I paid the XXXX firm off. I feel victimized by the apparent collusive effort between the XXXX XXXX XXXX and the XXXX XXXX XXXX in direct violation of the principles of the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 2019-05-03
Company: Eagle Collection Corp.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX ( eagle collection from XXXX IL ) called my #. All unrecognizable # s go to voice mail which this company didn't not leave. Called # back saying someone at my # owed money, yet refused to give me information about the call without providing my PI. Their # has now been permenetly blocked by telephone and telephone company. Companies like this can go XXXX themselves, especially when they wake me up while I'm sleeping.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Loan was originally from Cash Store. The company calling me is a company called XXXX. They continually call, threaten to sue ... they have called my family members in which they never had authorization to call them and gave them false information. They told my family they were calling because I had a returned check. Violating all sorts of fdcpa laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.

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 2017-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: HYUNDAI CAPITAL AMERICA
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We purchased a new XXXX  car that was financed through Kia Motor Finance. 
Since day one, we have sent extra money above our schedule payment with the intent of paying the loan off early by having the extra money go to reducing the loan principal. 
We have paid enough that for the last 3 months our statement show we dont owe anything however we are still sending them about $ XXXX/mo. to go toward principle. Upon review of our statements I found this company is withholding interest that should not have happened. 
I called their representative on XX/XX/2021 and was told I have call them and request the extra money go against the principal. 
Kia Motor Finance has been ripping us, and probably several others off since we made our first payment.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and Transunion has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.

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 2020-01-12
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The website is in perpetually not working. I cant get any info on my mortgage loan. 
I cant even provide my account number for this complaint because I cant access my information. 
I have had this problem repeatedly, over and over, and it is pervasive. When I call, they say the site is being worked on. This is UNACCEPTABLE.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I sold a car in XXXX & no longer had possession of the car in the year of XXXX ( worth of car is ~ {$500.00} ). In the year of XXXX I am receiving calls & mail from FINEX GROUP LLC collection agent XXXX XXXX for a debt of over {$4000.00} on the car for being towed & put into storage in the year of XXXX ( 2 years after I sold the car to the new owner. ) The new owner had possession of the car since the sale date in the year of XXXX. 

When I found out that the new owner did not complete paperwork, I went to the DMV to get things sorted out, and the DMV informed me that liability for that car starts for the new owner on the day that it was sold in the year of XXXX. I contacted the police department on the phone & was informed that I did not have to worry about it since the car was already sold in XXXX & I no longer had the car in XXXX. I contacted the tow place & explained to them that I no longer had ownership nor possession of the car when it was towed in XXXX, which is 2 years after physical possession of the car was given to the new owner & was sold in XXXX to the new owner. I contacted the XXXX XXXX XXXX XXXXXXXX XXXX & was informed me both on the phone and as well as in person that I am not responsible for the car since it was sold & I no longer had possession of the car since XXXX. The DMV instructed me to get help from the federal trade commission ( FTC ) & that they would help me. The FTC told me to contact them back when I receive mail back from the collection agency in order to file a complaint at consumerfinance.gov XX/XX/XXXX : -During a phone call XXXX XXXX from Finex Group LLC : She said that I have no other option but to pay the amount of over {$4000.00} for tow debt on a car that I sold two years ago in XXXX. I asked if we could go to court or judge to get help to figure this out, she said no, and that the only option is to pay the {$4000.00}. She told me that the tow place no longer is associated with the debt. I asked who is in the charge of the debt, she would not answer me and would not let me know who was in charge of the debt, just that I need to pay it because it will not go away. She said that I need to pay the debt or it will negatively affect my credit, that there is growing interest of 10 % per year that is accumulating, and the debt will never go away unless I pay. I asked her if I can go to the DMV to sort this out, she said that going to the DMV would not help & paying the amount is the only way.

Company response to consumer: Closed with explanation