BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: U.S. Auto Sales Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt. 
2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge as the sum total of all charges, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$12000.00} ) as evidenced in the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS, Amortization Schedule, Payment Ledgers ( Exhibits A-E ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant maintained a fraudulently inequitable security interest in the motor vehicle and took possession of it although the sum total of the credit transaction ( equal to the Finance Charge of {$10000.00} ) had been over-paid by {$12000.00} ( Exhibit B, page 8, and EXHIBIT F shows private data being shared publicly for vulgar disparagement on my Consumer Report for a charge off after the sum total was over paid ). 
5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid. 
6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on XX/XX/2021 during correspondence with the Merchant to request purchase records ( Exhibit G ) and corresponded for resolution on XX/XX/2021 ( Exhibit H ), before corresponding with the CFPB & FTC to report fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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:
Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Kriya Capital, LLC
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Experian Information Solutions 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:
If you could help me I would truly appreciate it. There are two XXXX XXXX XXXX XXXX reporting on my credit file that are not mine. I did not sign for them and even the name is different. They belong to my brother XXXX XXXX XXXX. My name is XXXX XXXX XXXX and the mortgages were opened under his name. His social security number is very close to mine the last two digits are the only numbers different. I have tried to dispute this with the bureaus and for some reason Experian is the only one that continues to report this under my name. I don't know if it's XXXX or if it's Experian but this is not mine and I have never lived at the address for which these mortgages were attached. These belong to my brother XXXX XXXX XXXX and not me. I am XXXX XXXX XXXX. I have also attached records showing the information belongs to him.

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 2020-09-09
Company: Transfinancial Companies, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, was working for XXXX XXXX XXXX XXXX XXXX XXXX through a temp agency called XXXX XXXX ; and I was injured while working. I used my insurance, from XXXX, to be seen by a doctor at the hospital I was working at. 

I was wrongfully charged for it. 

I disputed it. It came off my credit report. Easy peasy, right? 

Well, they sold the debt and this new agency put it back on my credit report in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was quoted {$4400.00} to included points and closing costs To refinance my mortgage at 2.25 % for a 15 yr mtg. by Amerisave ( my current mortgage company ). When I ask for a detailed description of what these costs included, I was emailed by the broker XXXX XXXX, refinance documents and the price had jumped to {$5600.00}. He continues to avoid my calls, and I can not get anyone else to return my calls, or reply to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX BALANCE : {$230.00}

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 non-monetary relief
Consumer complaint received 2023-06-30
Company: CAINE & WEINER COMPANY, INC.
State: CT
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:
15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi1, I contacted the company and transunion and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye XXXX rep was very rude and said to contact FTC and that they was not going to remove the hard inquires

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 2021-04-26
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, our banking account with XX/XX/XXXX had two unauthorized mortgage payments charged to our bank account. These charges were over {$4000.00}! We were on autopay for the last several years of which our payment processes on the XXXX of each month. XX/XX/2021 payment was processed on XXXX XXXX. The two erroneous charges were due to a glitch with the actual mortgage company 's payment processing system. This happened to thousands of customers. This matter was unauthorized and is an infringement on our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened by the gas company for an apartment I never moved it due to the leasing office requiring the services be set to begin. I was in the hospital unexpectedly and told them I would not be moving into the apartment when they called to set up start date. The original company claimed there is no note of me saying that and that I moved the date. Completely incorrect. The company has sold the debt for utilities I never used. Leasing company for apartments refuse to take responsibility and utility company is deeming me responsible. I do not agree.

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 2020-09-09
Company: SYNCHRONY FINANCIAL
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-09-05
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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:
theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

XXXX XXXX has already sent me A letter stating that they did research and the account is not mine but experian still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the XXXX services stating that its not my account driver license and ssn

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 2018-02-06
Company: D2 Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
D2 Management called about a debt on a bank account that was incurred over 11 years ago. They violated the FDCPA rules regarding disclosure by disclosing the last 4 digits of my social security number. Further, they are pursuing a debt against me solely when this particular bank account was a joint account with my husband. They also insinuated that my credit would be adversely affected if I did not pay this balance. I have this recorded on my phone and can provide proof of it if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: ONEMAIN FINANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want to complain these accounts because of its inaccuracy. There is only one late 120 days on this as a negative remark. The thing is, it is a clear inaccuracy. I believe this needs to be corrected. Please help me out as I am trying to build my credit that is up to par. Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Midland Funding LLC is reporting XXXX on my credit report so I called to ask for an settlement and now its XXXX and they stated they didnt know why the amounts were different. Told them to remove account from reporting until investigation is over and they declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today, my husband and I received a notice from our bank we were overdrawn, since we were paid 24hrs ago we logged onto our online bank to see that there was an {$18000.00} withdrawal. We called our bank, they said midland credit management took our money. We immediately froze our account and called this company. We of course refused to give our SS #. Which they were very upset about. After some digging, our names are not on their list of people that owe them . So I demand to speak to a manager to which I 'm told no they are busy and I 'm hung up on. Every attempt to call back is unresolved. Each dept I reach says hey ca n't help us. We want to know why they took our money when we are n't in debt, not are we involved with any debt collectors as we are current on any debt we have

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions 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 tried reaching out to the debt collection company named XXXX XXXX XXXX XXXX via mail & phone and none of their methods of communication seem to work. I have sent debt validation to all the addresses via certified mail with no response. I disputed the information with Experian and the account comes back as verified. I asked Experian to provide me the method they contacted the data furnisher so I can request the validation of the debt and they said they would not provide it 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
Consumer complaint received 2017-09-17
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:
Equifax security breach exposed my social security number and account information which is sadly floating around on the web and will be for the rest of my life. 

I attempted to call equifax to place a 90 day fraud alert but could n't get through. I repeatedly tried, including the online service and was unable because of server problem.

Company response to consumer: Closed with explanation