BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: COLLECTECH DIVERSIFIED, 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 status incorrect

Complaint:
I filed for bankruptcy on XX/XX/2018. Prior to this filing Collectech Diversified never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted Collectech Diversified, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force Collectech Diversified to update this account the representative called XXXX with Collectech while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.

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 2020-01-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Since around XXXX I have been requesting Wells Fargo to stop charging me added on insurance and to refund amounts that I paid on my auto loan that was due to be paid off in XXXX. In XXXX, after making payments for nearly a full extra year after the loan maturity date, I did not pay the remainder that Wells Fargo said was owed. I had disputed the insurance fees for years and they ignored me and I refused to pay the final amount. Wells Fargo kept my car title and charged off my account remainder. The charged off amount has been affecting my credit ever since. In XXXX I paid the charged off amount in order to get the title and change the credit report to paid in full charge off. In XXXX I became aware that there was a class action suit against WF for the insurance charges. I contacted Wells Fargo several times and they just kept telling me that they were looking into it. In late XXXX I received a request for proof of insurance. Also, in late XXXX, I received a check for {$18.00} with an explanation that it was a reimbursement owed. This is not an amount that even covers what I paid in bogus insurance fees. My credit report has been severely affected by all this for years. In XX/XX/XXXX my credit score dropped 20 points due to WF reporting my account as bad debt placed for collection. I am currently attempting to obtain an auto loan and preparing for a mortgage so this credit score drop is preventing me from doing either.

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 2018-08-11
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed. I also received any information from XXXX or XXXX XXXX regarding outstanding debt I just saw it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.

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 2018-06-28
Company: TD BANK US HOLDING COMPANY
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 car financed with TD Financial from XX/XX/XXXX until it was recalled by the manufacturer XX/XX/XXXX. XXXX paid the remaining balance due at the time of the recall to the finance company during the first quarter of XX/XX/XXXX. 
The finance company now shows this amount as written off as bad debt on my credit report. 
They also report that six payments from XX/XX/XXXXto XX/XX/XXXX are charge offs on my account. We were informed not to make additional payments after XX/XX/XXXX. 
I have contacted TD Financial twice about this matter since XX/XX/XXXX and was told that they would correct this. As of XX/XX/XXXX this has not been done. 
I have copies of e-mails from XXXX reflecting the payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

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 2018-08-11
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX  called me at XXXX for my deceased mother 's debt. She has never been listed as being on my phone line ( a personal cell phone ). I told them it was XXXX XXXX   and illegal to call, and that she was deceased. They claimed that their information stated that it was XXXX where she was located. She lived in this time zone for 9 years, and my cell phone has never been listed as being in a different time zone. They demanded a death certificate. I refused to talk to them further and told them I was reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 have a loan with NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX   I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX/XXXX ACCT : XXXX XXXX : {$130.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX AMT : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with XXXX, XXXX and TU via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2020-09-01
Company: Cornerstone Home Lending Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered an agreement with Cornerstone Lending to  automatically remove a prearranged mortgage amount from my bank account monthly. The first auto payment taken form my account was for {$42.00} more than agreed to in the written contract.. In the agreement the company also states that they must advise me 10 days in advance if the amount of money removed from my account will change, by how much, and for what reason. I was not notified. After discovering this overcharge on XX/XX/XXXX, I called the company multiple times. I was hung up on twice, no one knew why I was overcharged, and no one would connect me to anyone who did know what was going on. The Cornerstone broker  who sold me the refinance loan tried to reach out to the company as a favor to me. He claims that they won't tell him what the overcharge was for, and that they will send me a letter some day to explain. Meanwhile, I must wait until XXXX for my escrow analysis to see if I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: United Consumer Finance, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I began doing business with United Consumer Finance, unfortunately during now and then the vehicle was in an accident and completely totaled out. I have tried to reach out to the company numerous times on my behalf, this company is claiming that I owe them XXXX. 

On XX/XX/XXXX I sent out A 1st Debt Validation Letter which was not responded to within the 30 days. 
On XX/XX/XXXX I sent out A 2nd Debt Validation Letter which was again also not responded to. 
On XX/XX/XXXX I sent out A 3rd Letter which stated that I will be seeking further legal action on this case to help me remove this off of my credit report and once again the company failed to respond back. 

Today is XX/XX/XXXX - I still have not heard back from this company that is saying I have a balanced owed of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Almost daily I receive phone calls from a XXXX area code from a company called Diversified Consultants. They claim that I owe XXXX XXXX XXXX {$130.00} from more than a year ago. I have never received anything in the mail or email from XXXX XXXX XXXX concerning a debt. They want me to verify personal information without giving me any information of what the issue is or providing any official documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase Bank I have 2 items that automatically charge my checking account monthly. One is always on or around the XXXX the 2nd one goes through every pay day. Usually if the 1st overdraws my account Chase doesnt charge a fee or will waive the fee. I have expressed numerous times to them to deny payment as the late charge imposed by the merchant is considerably less than the overdraft fee. Apparently Chase. .. a huge bank is unable to do so but seem ok charging me fees. The 2nd charge went through and my account was overdrawn. The company was supposed to charge a different card. I put the amount of the 2nd charge in my account and still charged overdraft fee they refuse to take off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MO
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:
The account is paid in full, still shows a negative report delete account immediately please

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 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program

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 2020-01-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased a new BMW with XXXX BMW in XX/XX/XXXX. We have leased many cars from BMW in the past. Every car we have leased comes with the free scheduled maintenance for the duration of the lease, in this particular case, three years. We were never told otherwise at the dealership. Recently on XX/XX/XXXX, I brought my car into BMW XXXX, XXXX XXXX for an oil change which is covered by the lease maintenance but was charged XXXX for the oil change. I asked the service advisor to clarify and he stated it was a recent change in BMW dealerships. I asked him why would this affect me if this was not disclosed at time of lease but there was nothing he could do about the charge. I unhappily paid the charge and contacted BMW North America. I emailed and got a response stating this was always BMW 's policy as to which I responded then why would the service advisor tell me this was a recent change. BMW then contacted me by phone and left a voicemail to call them back. I have called back twice and left messages for XXXX, the escalations rep at BMW that contacted but have not heard back. I should not have to pay for something that was not disclosed at time of lease. I interpret this as less than an honest way to do business. They do not return my calls in hopes I do not go through the trouble to follow up. But here I am taking time out of my schedule to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TX
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.

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 2021-06-23
Company: Amsher Collection Services, Inc.
State: CA
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:
I switched cell phone carriers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX vowed to pay for my phone services with XXXX but XXXX XXXX XXXX never paid for the phones I had and the services prior to moving over to XXXX XXXX XXXX. This has left a bill that I never new I had to pay. This is not right and should not be legal. They claim I owe {$1900.00} which again I was told I would not owe anything from switching over to XXXX XXXX XXXX. 

AMSHER COLLECTION SERV Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ALXXXX ( 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 2018-08-11
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:
A company, XXXX XXXX XXXX XXXX, has obtained or pulled two hatd inquiries without my consent. This company was an inquiry in XX/XX/XXXX and recently here in XX/XX/XXXX pbtained my credit without my permission. Both inquiries should be removed from my credit as soon as possible! These inquiries has resulted in my scores decreasing with the credit bureaus! The description shows child support and I've never owed child support in my life. This company should provide documentation that I authorized these inquiries or be fined/penalized.

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 2018-08-11
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:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this company has violated HIPPA Laws which I will Be suing. )

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program

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