BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-22
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing on behalf of my father who does not owe anything to anyone. The company named Penn Credit Corp has been harrassing him for months. These are the dates and times this phone number XXXX has called him at his home : XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX ; XX/XX/XXXX - XXXX, XXXX, XXXX If you would please them stop we would appreciate it!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: D&A Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We pay monthly on debts accumulated from a family member that has since passed. Regardless we pay on the outstanding debt ( s ). We have told each creditor that we will pay monthly. The calls keep coming. We have caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Amerisave representative after I went on line to inquire about refinancing my home. The Amerisave representative is XXXX XXXX. This was approximately in XX/XX/2021. He took my application and said he could get me a 3 % loan in 30 to 60 days. That did not happen. When I applied with Amerisave I was told I had to give Mr. XXXX XXXX, which was non-refundable, to start the process. I gave him tyhe XXXX and provided all documents asked for within days of there request. Only to be asked for them again and again, which I provided multiple times. Now today Mr. XXXX called me today to say that the underwriters still have more questions and now after all this time he will submit my documents and application to them. I think? Its hard to get a straight answer from this guy. I asked prior to this conversation, to refund my money, since the loan hasn't went through at no fault of my own. But apparently Mr. XXXX has not given my application the time needed for approval. He did not reply to my request and today XX/XX/2021 said he was going to finally submit my application to the underwriters. Since they had my money, I feel like this company and their representative have stolen XXXX dollars from me and destroyed my opportunity to get refinanced at historic lows and still are not letting me know if the loan is going through or not? I need someone's help to make Amerisave either refinance my loan at the agreed 3 % or lower since that is what he stated he could do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later thaXXXX XXXX  days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2020-01-25
Company: ERC
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:
Collection opened Indicates the date the collection account was opened XX/XX/2019 Payment Info Original loan amount {$290.00} Balance {$290.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX I've contacted this company ten times to remove this collection. I did explain to the company I don't own this debit and you have the wrong personing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated that my account was properly investigated but how if that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Rent Recovery Solutions
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Blacklick, Ohio Apartment : The Bend at Broad by XXXX XXXX XXXX : RENT RECOVERY SOLUTIONS My wife got the apartment and everything she was being the man of the house when we moved to Ohio from New York. I didn't want to make the move because I knew she was working her way up to a divorce. all her family are in Ohio. we made the move eventually. 
she did all the apartment paperwork. I just only follow her instruction. I come from XXXX and we didn't have access to the best education. even with this my son is writing and I'm speaking. I don't know any computer skill. my son is helping me. I have asked so many time if they have asked my ex wife or contact her to recover the money. I even told them I will pay half and remove it. for the past XXXX year this make my life very difficult. I have lost out on money and other opportunities. can they give me money or those opportunities back? I don't wan na sound like smart donkey but this has make my life very difficult. 
My XXXX XXXX  name : XXXX XXXX. prune XXXX XXXX. now her name is XXXX XXXX according to XXXX. ( http : XXXX ) she is a very unlawful person and she doesn't mind doing criminal activities with XXXX of her brother. dev ghimire and narayan ( https : XXXX ) ghimire. those two have changed name also. dev to XXXX XXXX. why am I getting all the trouble and stress. please help me. these people have similar name ghimire and ghimirey. They think they can get away with anything by changing name. I believe social security number doesn't change. I don't fully know. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check for {$100.00} on XX/XX/2021 into my Wells Fargo personal account from my XXXX XXXX XXXX XXXX personal account. Wells Fargo is claiming it was returned for duplicate presentment. They deducted the {$100.00} from my personal account on XX/XX/2021. After XXXXXXXX XXXX XXXX XXXXXXXX proved it was not a duplicate presentment, Wells Fargo said I had insufficient funds and returned the check to XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX has shown them proof I did not have insufficient funds and the {$100.00} was not returned back to XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXX  XXXX has done all they can possible do to prove that {$100.00} was removed from my checking account and Wells Fargo never put that {$100.00} back into that account. I worked with a gentlemen named XXXX XXXX. 
XXXX XXXX XXXX XXXX Wells Fargo Bank N.A. | XXXX XXXX XXXX | XXXX WY, XXXX XXXX XXXX XXXX XXXX XXXX ID : XXXX He told me to my face that if I wasn't sitting there while he tried to resolved this issue that he would have gave up. 
I just want my {$100.00} back. 

Hello, Please see below. 
XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX  | XXXX From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX XXXX XXXX Subject : XXXX XXXX I show bank of first deposit XXXX ( Wells Fargo XXXX XXXX XXXX. 
If you are not able to get anywhere with this let me know and I can contact XXXX. 

XXXX XXXX Operations Specialist Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX SD 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 2022-01-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: NY
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 accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept of ED/XXXX - {$20000.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$750.00} XXXX ) Dept of EDXXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX  XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of EDXXXX - {$21000.00} XXXX ) Dept of EDXXXX - {$13000.00} XXXX ) Dept of EDXXXX - {$7500.00} XXXX ) Dept of ED/XXXX - {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of EDXXXX - {$3200.00} XXXX ) Dept of EDXXXX - {$3100.00} XXXX ) Dept of EDXXXX - {$2100.00} XXXX ) Dept of ED/XXXX - {$2000.00} XXXX ) Dept of EDXXXX - {$1400.00} XXXX ) Dept of EDXXXX - {$1100.00} XXXX ) Dept of ED/XXXX  - {$1000.00} 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 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have a XXXX XXXX account showing on my Transunion credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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:
Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681. 
The Fair Credit Reporting Act of 1970 ( My Account number are XXXX out ) Attorney General-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept Of Ed XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-03-06
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: Their investigation did not fix an error on your report

Complaint:
Transunion, XXXX and XXXX  is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.

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 2021-01-31
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. 
Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX I checked in with my XXXX  XXXX  services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles. 

I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract. 

This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies. 

XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX  XXXX  XXXX  XXXX  Plan. To this day I have not been able to repair the A/C in my vehicle due to this error. 

To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues. 

On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title. 

I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.

Company response to consumer: Closed with monetary relief