BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: DriveTime
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Drive Time is harassing me by phone. I have received XXXX phone calls in 30 days, from XXXX different numbers in NC, AZ, and GA. I have blocked the number in GA but they continue to call me daily. I have notified Drive Time that this number is blocked. 

When I do n't answer the GA phone number, they then call me from AZ or NC, or both. I have asked Drive Time to stop calling me daily. I have asked Drive Time not to contact me more than once per week, but they continue to call me daily. Yesterday I spoke to a Drive Time customer service agent at XXXX and they called me again at XXXX to discuss the same issue. Again, I asked them to stop calling me and the agent claimed they did not call me more than once, which is a LIE. 

I have asked Drive Time twice this week to stop calling me so often but they continue to call me daily. I also have cosigned on a loan for my sister who lives with me. They call her and when she does n't answer they then call me. Literally her phone rings, then my phone rings. They do n't leave her a message but will leave one on my phone. 

I have received nasty messages from several agents at the GA office and when I return their calls I am told they are out of the office or they are not working until later in the day, even though they just called a few minutes before and left a message. XXXX, XXXX, XXXX, XXXX ( or XXXX ), XXXX, XXXX are constantly calling me and leaving messages saying that it is urgent they speak to me immediately. When I do n't return their phone calls they then send me emails. 

I have received XXXX phone calls in 30 days. I have complained several times about rude agents and rude voice mails. I have complained about the number of phone calls. I have told Drive Time their amount of contact is harassing, and disruptive. I have asked Drive Time to stop contacting me daily, but the phone calls and emails continue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraud charge on credit card for product never received. 
BarclayCard Services XXXX. XXXX XXXX XXXX, DE XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2015-12-01
Company: Delbert Services
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX I took a loan out with Western Sky in the amount of {$2600.00}. I have since paid back over {$9000.00} to XXXX different companies, Western Sky, XXXX XXXX, and Delbert services. I paid what I thought was my last payment in XX/XX/XXXX and now I am getting calls from a company called the XXXX stating I owe another {$1600.00}. They are calling me at work after asking them not to, and calling my mothers home harrassing her and telling her she is involved and going to take her to court also. They told me if I do n't pay them in 3 days they will sue me. I need advice how to handle this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I lodged a complained against XXXX XXXX XXXX regarding a phone service and I was due a response regarding this matter. My bill was sent to collections and now, I am outraged and would like to find a solution.

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 2017-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can 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 explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

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 2017-04-28
Company: Halsted Financial Services, LLC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my  XXXX   XXXX  account on  XXXX / XXXX / 15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the las t 3 weeks I have been receiving calls from Halsted Financial Services. They call and when  I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my  XXXX   XXXX  debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
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 have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX XXXXXXXX. blatantly disregards reported billing error, and continues to report inaccurate and fraudulent information to credit bureaus. Immediately remove such information from my credit bureaus. XXXX XXXX XXXX XXXXXXXX. blatantly refuses to validate the debt it claims I owe. If it can't validate debt it must remove incorrect and fraudulent information from credit bureaus.

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 2022-10-21
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

**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 a consumer reporting agency can not furnish an account without my written instructions.

**15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX  XXXX Balance : {$0.00}

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 2022-10-21
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been diligently working on my credit score, so I enrolled with a credit monitoring service to keep track of my reports and scores. Some time last month, I checked my report to find that all inquiries had been removed from my Transunion credit report. This also, of course, resulted in my credit score being raised. I had absolutely NO knowledge of any system glitch or anything of that nature. Fast forward to recently, I checked my file again, and there were the XXXX inquiries re-added, which of course, dropped my score! I am furious because as far as I know, it is not lawful for the inquiries to have been re-added without ANY notification to me, written or otherwise. I should have been notified, ESPECIALLY since the result had a direct effect on my credit score! I reached out to Transunion, and the rep RUDELY stated that he would only remove an inquiry after XX/XX/2016. What good does that do me? ALL the inquiries were removed and ALL of them were placed back on the account, not just the ones from XXXX. Ridiculous response given the situation. Because I was not notified, I would respectfully ask that Transunion delete the inquiries, as they have for so many other individuals. Why would I be any different? If they can delete for others then they can delete for me as well, unless they are discriminating with who they help. I have contacted a personal attorney, as well as the attorney general. Transunion is in the wrong for not notifying me that the inquiries were going to be re-added to my file, and that is not my fault.

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 2016-05-05
Company: Account Discovery Systems, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
The Experian Credit Bureaus have been ignoring my dispute letters and CFPB Complaints that I have been submitting to dispute the fraudulent accounts and information from my Credit File. How many dispute letters and CFPB complaints do I have to submit to the Credit Reporting Agencies to inform them that I have been a victim of identity theft. Under the Fair Credit Reporting act section 605b, the Experian Credit bureau is required to remove any fraudulent accounts and information from my Credit file. However, in my case, the Experian Credit Bureau have been doing nothing! They haven't removed the disputed accounts, they haven't sent me copies of proof of verification, but they still continue reporting the disputed accounts as accurate and verified by the Creditors themselves. I am submitting this CFPB complaint to inform the Credit Reporting agencies that I am willing to file a lawsuit against the Experian Credit Bureau. In the event that Experian Do not comply with the Federal Regulation, please expect a lawsuit. If removing the disputed accounts is easier than dealing a lawsuit, I need the Experian Credit Bureau to remove the following accounts as soon as possible : XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
While reviewing my credit report, I came upon a GA state tax lien that was placed on my credit report. I immediately contacted the state tax office in search of answers to why this was on my credit. I was told by a state representative over the phone after further investigation she was unaware why this XXXX was placed on my credit being that my taxes was paid and no collection was necessary. I then ask if they was able to remove the XXXX and was told that they had no way of doing so and that I had to contact the bureaus that was reporting it. She offered to send a letter stating that I owed no one and to withdraw & remove the XXXX. I then made contact to all XXXX credit bureaus with the information that was given to me by the state. Experian & Equifax was very helpful & removed the XXXX immediately. TransUnion has yet to do so stating that this record is accuracte. It is hurting my score & hindering me to obtain things with my credit. I further more do not this XXXX to represent me in anyway because this is inaccurate information and I should not have it on my credit. Attached is a screenshot of the GA state tax website regarding liens on credit and also proof that I do not owe any debts to the state.

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 2015-06-12
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sought relief from a wrongly filed tax assessment which resulted in a Ohio tax lien against myself from the Ohio Attorney General on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio Attorney General after conducting an investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a zero balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation from the Ohio Attorney General 's Office to provide to each of the credit reporting agencies, asking for removal of the public record from my consumer reports. On XXXX/XXXX/15 the Ohio Attorney General sent on my behalf the letter previously mentioned to Transunion requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Transunion updated the report to reflect the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute online with Transunion. Again I provided documentation by mail, asking for this lien to be voided and expunging from my personal report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be the public record to be reporting correctly. 
I am aware of the statutes regarding the reporting of paid/released liens. I am not disputing the fact the lien is recorded as paid/released with the court. My concerns are with the fact that at the request of the Ohio Attorney General to void and expunge any record from my personal Transunion consumer reports are not being addressed. It is my hope that by filing this complaint with the CFBP, that it is brought to the attention of a Transunion Representative with the authority to remove this wrongfully filed lien from my Transunion consumer credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief