BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: Eagle Financial Services, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am on fixed income, and not able to work. I have all bills to pay out of my Social Security, and retirement. I contacted XXXX XXXX XXXX, and I turned XXXX XXXX XXXX in, and all my credit cards and two loan companies. I talked with the Eagle Finance and told them what I was doing, so in the month of XXXX they stopped the payment. The manager then called me and told me they did not deal with XXXX XXXX XXXX. I called my bank and begged them to stop the payment. The Eagle Finance in XXXX, Kentucky took XXXX 's payment out this month and now is taking out XXXX 's. My rent check will come back on me now that this has happened. I bank With XXXX XXXX XXXX XXXX XXXX XXXX, and they will not help me with this situation. They will not stop the pending payment that the finance company it taking out for the second time this month. This is really causing me some financial problems. I have a very sick daughter that I am responsible for, and she can not get XXXX. I called the finance company this morning ask them to stop the payment and they refuse. They said the manager would call me back when he came in at XXXX XXXX. He never called them, so the XXXX XXXX XXXX told me to contact FTC, and FTC sent me to you guys. My phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent a letter to them telling them that this is a false bill. The bill is erroneous and they are not ready to correct the bill. They have refused to provide me with any information about the medical treatment that was provided or what services were related to this charge. I have full medical coverage and they are trying to mint money out of me.

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 2020-08-21
Company: Tenaglia & Hunt, PA
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. 

Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. 

This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? 

Thank you, -XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX/Mariner Finance calls my work number twice a day and leaves me 2 messages.

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 2018-10-19
Company: Experian Information Solutions Inc.
State: AZ
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 disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have

reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : 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 2019-09-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the following inquiry XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
This is the letter that I wrote to Toyota Financial XX/XX/XXXX I am writing this letter in hopes of getting a better deal for what I am paying for. I have a XX/XX/XXXX Toyota XXXX. I first got the vehicle in XX/XX/XXXX. I have never missed a payment since having this car. I also had a XX/XX/XXXX Toyota XXXX XXXX   before this car and the payment was over 500 dollars but I never missed a payment. I have been paying a very large large amount for the product that I have. My payments have been over 500 dollars a month on both cars ever since I got them. Why do I have to continue pay such a large amount? Is that fair? both of these are used cars. and this last one why do I have to keep paying for 84 months? I know that I did sign both contracts but I really thought that this was because of my credit issues and I did really need a car desperately. I did try to give the last car back but it was past the 3 day limit and they said that they would not take it back. Since I have been paying faithfully and have not missed a payment. I just want a better deal. By the way since when did 84 months of paying a car start. Can't say that I ever knew about this trap that Toyota put me in but I hope that they will have some empathy and cut me a new deal that is reasonable for what I have been paying for. thank you. my account number is XXXX. My name is XXXX XXXX. My address is XXXX XXXX XXXX in XXXX XXXX California. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX JPMCB Card pulled my credit without my authorization. 

Chase has sent me a letter request the credit agencies remove these inquiries. 

XXXX  has requested me to provide this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
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:
XXXX  Chase Auto - Inquiry From XX/XX/XXXX Est date of Removal : XX/XX/XXXX This Inquiry was not me. this is a result of identity theft. 
I was paying XXXX XXXX & XXXX XXXX XXXX to fix this and it never was removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened>> XX/XX/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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Remove both CLOSED XXXX  XXXX accounts for MULTIPLE inaccuracies AND Violations Account 1 ( Original Limit {$300.00} ) Pay History is different across all 3 bureaus. Remove for Inaccuracies. 

XXXX  Shows 150 days late as of XX/XX/XXXX XXXX  Shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX. 

Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as XX/XX/XXXX Account XXXX ( Original Limit {$500.00} ) Pay history Different across all 3 bureaus. Remove for inaccuracies. 

XXXX shows 150 days late as of XX/XX/XXXX XXXX  shows 120 days late as of XX/XX/XXXX Trans Union shows Not Recorded as of XX/XX/XXXX Remove this account for inaccuracy because the date of last activity is reporting a different date by all 3 bureaus. Additionally, I'm seeing different years. 

XXXX  shows Date of Last Activity as Not Recorded XXXX  shows Date of Last Activity as XX/XX/XXXX Trans Union shows Date of Last Activity as of XX/XX/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 2020-08-28
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint with you guys ( Consumer Financial Protection Bureau ) regarding PMAB and their continuous actions regarding unverified medical collections that they continue to place on my credit reports. On XX/XX/XXXX XXXX XXXX responded and stated that they are still working on the issue. He also stated that he saw that I had medical insurance and is now reaching out to their client. Well on XX/XX/XXXX PMAB has placed yet another collection on my reports in the amount of XXXX. PMAB has yet to clear up the discrepancies from my former complaint on XX/XX/XXXX. This company is ruining my credit and my character by placing these unverified medical debts on my credit reports. Their practice is outside the scope of the FCPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I paid off the mortgage in its entirety on XX/XX/2020. I got a paid off letter from a lender ( XXXX ) stating that the account has been paid off and closed. 
Transunion report does not reflect this although the XXXX  's does. 
I disputed the situation with Transunion and provided them with a copy of the paid off statement. 
In both cases Transunion found the info about mortgage account as the correct one. It has been already almost 3 months while Transunion can not obtain the correct information from the lender. I am speechless about their very poor performance and it looks there is no other way than to file this complaint.

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 2021-06-08
Company: EQUIFAX, INC.
State: CA
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 called in to Equifax today XX/XX/2021 at XXXX and XXXX and requested to delete accounts that Ive been disputing last month XXXX and XXXX and the both representatives refused to comply with the 15 USC 1681n and I was hung up on both times while being transferred to a supervisor. I was also told that they cant honor my request and remove the accounts because they have guidelines other than following the federal credit reporting act. I have a right to exclude any account associated with a credit transaction and they refuse to comply. I asked that the accounts be deleted immediately and they refused. Im sick and tired of Equifax lying about the validation of accounts because they never spoke to any of my neighbors, family members regarding my reputation or credit. Only o can validate pursuant to 15 USC 1692g. I am the original creditor and I called to ask that those accounts be deleted immediately and did not comply.

I am requesting that the CEO of the company send an affidavit of truth that a verification of accounts with neighbors and family were validated to conclude that the reporting from the creditors were valid. You continue to lie and you will be fined!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: ACIMA CREDIT, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a stereo from XXXX XXXX XXXX XXXX and an amplifier for my vehicle. i was making my payment on time to the leasing company that took the lease for the merchant. Early on in the lease I had a problem with A XXXX XXXX reference XXXX XXXX amplifier. when I took this itme back the merchant gave me problems returning the item in exchange for a new one. the end result was me given a used item off the shelf. Ilef the store no complaints. I later had an issues with an XXXX XXXX car stereo I returned the item and the merchant took it back, they adv me I would get my return receipts via email and text message the same way I got my other documents at time of purchase I said ok and left the store.. A  month later im still being charged the same amount by the leasing company. I put in a dispute with the leasing company to make adjustments to my lease and the leasing company said they were adv buy the merchant that the XXXX XXXX  XXXX was not returned I need help as the merchant is in possession of the property an i no longer have the item. I also explained to leasing company XXXX i want to return the rest of my items to cancell the remaining lease and they refsue to take the items back and make the adjustments for a item im no longer in possesion of. I want to make sure they do not ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
In XXXX and XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX. 
In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please help. I am a victim of identity thief, there is multiple account on my credit profile that does not belong to me. Through XXXX  identity thief victim website i was able to confirm that in fact my information was stolen in the data breach and could possibly be used to open up fraudulent account. During that time i had no idea that my credit was being used fraudulently till i was denied a student loan and wasn't able to get help due to my score. I was denied entry into school because i could not pay for my tuition. I sent multiple letter in the past regarding my identity thief but never got a response from any of the credit beau. I now would like to see any kind of document from any of the account because XXXX  has repeatedly said it was verified and the account belongs to me but they can not provide any supporting document. I would like to see the paperwork that was obtain from the creditor so that I can prove that it dosent belong to me.

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