BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mine accounts that were filed to the ftc 60 days ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: PNC Bank N.A.
State: KY
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:
PNC Checking and PNC Core Visa for Overdraft Protection are running online scams. Just recently, the checking account {$400.00} Friday transfer began pushing into Tues or Weds of the next week. This in turn may afford you to think you had more money on the weekend, then an auto Billpay or something comes through causing havoc for a few days until realizing they are holding transfer money for too long and loss of interest income on the transfer for up to 5 days. Given local transfer, it should be there in one day. I have documentation on this.

PNC Core Visa is entirely set up online ( and the application has some hefty deceptions ), including : 1 ) use this card for cash advance, pay it off, but PNC keeps the running Balance Subject to Interest rate after paid off and charges a " Minimum Interest Charge '' 2 ) Use it for Purchases at the same time, then try to Payoff the Purchase Balance, and they make you pay off the 0 % Promotional Balance first. 3 ) Lastly, they do not allow online dispute and do not answer mailed disputes. ( Then you have to pay the higher rate of interest, because maybe you cant pay off both types of balances ... ) This is very deceptive and in the small writing Im sure.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Freedom Mortgage Company
State: WY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Long story short, I almost passed away last year due to XXXX complications, resulting in massive medical bills and financial hardships to my family. Freedom Mortgage put us in foreclosure. 
XX/XX/2019 we had the house under contract, I submitted and called Freedom to ensure they were informed. I also contacted VA loans and provided BOTH with the contract. 
Freedom denied any further paperwork from me. XX/XX/2019 I called Freedom and their attorneys to ensure all paperwork was there to cancel the auction for XX/XX/2019. 
XXXX XXXX had no indication we had a contract, after more than the 48 hours Freedom had to report. I emailed the contract to XXXX and contacted Freedom in which they stated they needed more paperwork that they never contacted myself or my husband to get. The listing and HUD. The listing was sent XX/XX/2019 and the HUD will take 48 per the title holders requirements. 
Freedom is very much aware of this process and failed to disclose. 
Freedom told the VA that they have to approve our short sale. This is NOT a short sale and they are aware. We owe XXXX and the contract is for XXXX. Freedom is stalling and failing to disclose the needed information. They have chosen to force us for approval of short sale when legally this is absurd. We are not selling for less by any means! 
This home is under contract and the buyers loan is already approved. Freedom can not legally stall or fail to inform us of what's needed for their own gain. It's unacceptable and unethical. They need to be held to the standards as everyone else. 

Attached is the listing and contract for sale.

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 2018-10-12
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XXXX identified a discrepancy with account listed under Ability Recovery Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I had a loan with XXXX XXXX, I never thought the car was paid off, I never signed a loan with credit acceptance, I thought it was a 3rd party deal, they have no paperwork of the deal, no title, but keep saying I signed some forms which I didnt, I cant get an apartment, Im homeless, I been in and out of prison and trying my best to get my life in order. Credit bureaus take the word of the company without proof, its business to keep the poor, poor.

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 2021-04-06
Company: Experian Information Solutions Inc.
State: KY
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:
On XX/XX/XXXX I sent Experian a dispute letter regarding fraudulent inquires showing on my report with no response. On XX/XX/XXXX I sent another request for validation of said inquiries on my credit file with no response. On XX/XX/XXXX another request was sent. To date Experian has yet to send me proof of that I indeed authorized these erroneous inquires on my credit file

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 2019-05-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY 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 2020-06-25
Company: Experian Information Solutions Inc.
State: OK
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:
There has been a derogatory remark on my account in credit reporting agency like experian, XXXX  and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a XXXX XXXX and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XX/XX/XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.

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 2022-10-05
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX on XX/XX/2022, was in a XXXX XXXX and XXXX XXXX vehicle. Is the leaseholder. My complaint is against XXXX XXXX and XXXX XXXX and all its Dealerships. XXXX XXXX and all their Franchises have colluded together to charge a market correction invoice charging {$5000.00} over XXXX of {$25000.00} {$31000.00} Sometimes even {$10000.00} per car. All the Dealerships say it's a supply and demand they have a shortage of cars and more demand because of chips and XXXX XXXX. They're slow walking the inventory to market. Not only XXXX but all the car makers are doing the same to overcharge on these vehicles. You don't have an option to buy at a fair price. You have an XXXX problem with the XXXX XXXX. They have a XXXX on the price. They will not negotiate the price. This is not a fair market in XXXX. The Insurance company appraised my vehicle at XXXX XXXX we had a payoff of {$26000.00}, If I wanted to buy the car I would pay XXXX plus tax. XXXX came up with a different amount charging XXXX Stealing from me over {$5000.00}. They told me it was their car they just leased it to me. That didn't matter because I would be paying XXXX if I wanted to buy my lease car. This is a banking fraud Nothing on their website nothing in any of the lease documents. 
--

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 2018-06-29
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: Account information incorrect

Complaint:
I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/XXXX the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my 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 2023-04-13
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has attempted to collect a debt that I do not owe. I have sent information to XXXX 3 times proving that I do not owe them anything. For one the policy should have been canceled and next because I had coverage with XXXX during the period of time that they are saying I owe them. I also contacted the debt collector the debt was sent to and spoke with a woman who hung up on me then to a guy. I have been getting the run around from two companies who are trying to scam me out of money instead of verifying information and I have been threatened several times about them putting it on my credit file. I am tired of the fraud by XXXX and Credit Collection Services

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ID Analytics, 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: Reporting company used your report improperly

Complaint:
In attempting to purchase a new car I was advised derived from my XXXX   report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system

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 2021-04-06
Company: Exeter Finance Corp.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX  the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Regional Management Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I originally took out a loan with Regional finance located in XXXX, Wisconsin because I was feeling the effects of the corona virus and had a loss of income. This was from a check that was sent to me in the mail without applying. When I was having issues repaying the loan back their only option to assist was for me to take out an additional loan. I spoke with XXXX the manager at that location. I ended up getting a larger loan, which was not in my best interest, but I didnt have any other options. This also allowed me to defer my payment for a couple months. When it came time to make my first payment I did not have enough money because all my other credit cards were also neglected, along with my rent, my car payment, and utilities. I was in constant contact with them regarding them ; I reached out weekly. The loan is at a 50 % + interest rate and the apr is also 50 % + rate. I told them what I could afford and they were not willing to work with me. I eventually spoke to XXXX again and asked if the work with XXXX programs and she said yes. This is a non for profit company ( XXXX XXXX ) approved by the government to assist with lowering the interest rate with lenders. They refused the proposal send from this program and told me they would like to rerun my credit again and approved me for a new loan. They are not willing to assist when the goal for the past 5 months has been to make affordable payments with a reasonable interest rate due to the effects Ive felt with the corona virus. They will also have told me they will no longer contact me because I reached out to a non for profit program ( a 3rd party ) to assist. I feel I am being taken advantage of and my hardship is being used against me for their own profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express is once again NOT following the Acts put in place in order to protect consumers and businesses during the pandemic. American Express CONTINUES to SHUT DOWN my accounts - we can not use our cards EVEN THOUGH WE ARE UNDER ALL OF OUR CREDIT LIMITS! Then they say they obtained some credit report that states I'm looking for credit WHICH IS NOT TRUE - another financial institution tried to pull my credit ( which is currently LOCKED ) WITHOUT MY PERMISSION and American Express is PUNISHING us for that! We are a small business trying to survive through this pandemic. It's UNACCEPTABLE! I call American Express almost daily now because they continue to SHUT DOWN MY CREDIT USAGE and we are unable to make even small purchases on our business accounts! They continue to deceive us, lie to us, waste our time, etc. They have NO INTEGRITY! WHEN will they be held accountable? WHEN will their CEO XXXX XXXX be HELD ACCOUNTABLE for the damage enabling his company to do to small businesses and consumers during a pandemic?!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX  XXXX {$680.00} XXXX  XXXX {$130.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX XXXX {$180.00}

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