BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-09-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Opened XXXX XXXX  COMMONWEALTH FINANCI {$2100.00} My personal information was sold to this company and that is a violation to my FBRA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Consumer Adjustment Company Incorporated
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
UPDATE - I NOW HAVE THEIR NAME ( same company as CONSUMER ADJUSTMENT COMPANY but under different name ) : They call every day and even calling family members. I called back asking them repeatedly to STOP calling and they said " This is the United States they can do whatever they want to do. '' They then hung up. When I called back, I got a different person and made the same request to STOP CALLING ME. The person hung up. I called back AGAIN but this this time, I got the same guy who made the above comment. The same guy who said : " Now you're harassing me Ms XXXX '' - which is aburd. All of this is harasment and abusive and tactics to upset the consumer and it was holiday when this took place ( XXXX 's XXXX - XX/XX/2023 ). My mother is 80 years of age and in the hospital and they are even calling HER PHONE number... .this needs to stop now. I believe the company is CONSUMER ADJUSTMENT COMPANY. When I asked them to identify themselves, they said they were XXXX XXXX XXXX OF MEDIATION ( I believe it's just a different name for CONSUMER ADJUSTMENT COMPANY- same company just different name ).. I have good credit with the exception of this OLD DEBT that they said they would not report on my credit report but they did so anyway. I have no medical debt. No student loans. I own no property. I have no car. I have XXXX credit cards ALL OF WHICH are in good standing so I am pretty sure this is CONSUMER ADJUSTMENT COMPANY working with some company called XXXX XXXX XXXX. They need tostop contacting me and my family. They are abusive, they hang up when questions are demanded of them, they talk down to the person and project their own harassment onto the customer as though it's the customer 's fault that they have to call us and our family so much. These people answer the phones with nothing but angry at the onset. Meaning the moment you call them they are already defensive and ready to argue. I have attached the debt I believe they are calling about. A debit they said would never go on my credit report but they lied and placed it there anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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 status incorrect

Complaint:
I have submitted the attached letter on XX/XX/2022 to TransUnion. Additionally, I submitted evidence that the account in question is closed and no longer active. 

However, TransUnion continues to report as an open account and it is negatively affecting my credit. They have not responded. 

They have not responded and have not removed this from my credit report. 

Please assist me in having this account removed from my credit report. 

Thank you!

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 2022-06-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In the payout of my car, previously leased, the sales taxes were included. I went to the DMV, immediately after receiving the title in the mail on XX/XX/2022. At the DMV office, I was informed by the clerical officer that I have to pay the sales taxes as the XXXX DMV received no payment from Kia Finance XXXX. 

I asked the clerical to research again because the taxes were paid to, and collected by Kia Finance XXXX  and included in the final paid out. 

After research, The DMV told me there is no evidence of the payment.

At the DMV, I had to pay the sales taxes again to get my title, and my registration card because Kia finance failed to forward the tax payment collected from me to the California DMV.

I contacted Kia finance immediately, same-day on XX/XX/2022, and the customer service create a case with the reference number XXXX, They asked me to wait for 5 days to receive an answer, I called again on XX/XX/2022, and the customer service provide no answers. 
On XX/XX/2022, I contacted Kia XXXX and received case number XXXX. 
On XX/XX/2022, I received an email from Kia XXXX to let me know that I have to contact Kia Finance to resolve this issue. 
Kia Finance is not giving me any answers.

Kia Finance has to reimburse me the tax sales fees that they collected from me and didn't pay to the DMV of the state of California.

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 2023-10-20
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I noticed around XXXX points were deducted from my credit score. 
XX/XX/XXXX : I saw that on XX/XX/XXXX ATG Collections had opened a derogatory account against me attempting to collect {$650.00} in medical charges from a service in XXXX. 
XX/XX/XXXX : I called the original creditor, XXXX XXXXXXXX, and they confirmed with me that my account has already been resolved with remaining balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX and was also told my balance has been resolved as well. XXXX said that I as a XXXX  patient am not financially responsible for any medical bills and that even in the event that my insurance does not pay ( in part or in full ), the creditor must absorb the rest. They have sent me a " Resolution of Your Grievance Request ''. 
I also called ATG and they told me that XXXX XXXX would have to directly contact them to confirm the resolved account. XXXX  XXXX told me that ATG would have to contact them directly to request that. It has been a back and forth ever since with neither side willing to contact the other directly for confirmation. 
Between XX/XX/XXXX and XX/XX/XXXX I called and asked ATG for verification of debt. They emailed me an itemizied statement from XXXX  XXXX that showed the charges, the sale of debt write off to ATG and the subsequent insurance payment/settlement. I have attached this document below. 
XXXX : I called ATG and asked to speak to their manager XXXX. She was unavailable and told her rep to tell me that this itemized statement from XXXX  XXXX was not acceptable. She insisted that only an EOB from my insurance would be accepted as proof of my resolved account. XXXX XXXX said that this was the responsibility of XXXX XXXX who fall under XXXX XXXX. Their investigation showed that this bill was not found in their system. They called XXXX  XXXX and spoke with XXXX on XX/XX/XXXX who said the issue with my account has been resolved and now shows {$0.00}. 
From XXXX I have opened 4 disputes online : 2 with XXXX, 1 with XXXX  and 1 with XXXX. Both XXXX  disputes came back incorrectly showing I still owe {$650.00} to ATG. This is misrepresentation and ATG seems unwilling to update my account and stop trying to collect from me despite documented evidence provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Westlake Services, LLC
State: UT
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:
Good afternoon, I denounce that without legitimate authorization, was consulted by 5 financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

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 2022-06-29
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX This is not my acoount please remove fraudulent/ unauthorized closed account from my report or provide proof in writing within 30 days.

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 2022-07-28
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Credit Fresh Holdings Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX, I obtained a line of credit in the amount of {$2900.00} from Credit Fresh through their website. My husband had passed away 10 days prior, and I did not understand the this company would make a draw on each and every payday ( I get paid every other Thursday ). 
To date, I have paid {$1400.00}, and my balance is still {$2800.00}. In other words, my balance has only decreased by {$170.00}, despite the amount I have paid ( {$1400.00} ). 
Payments : XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} TOTAL {$1400.00} I feel that the " billing cycle charge, '' charged every other week as opposed to monthly, is exorbitant and predatory. The charges will never allow me to get this account paid off. The amounts reflected that have been paid versus what has actually been credited to lower my balance are unconscionable. Please investigate so that other consumers are not put in a similar position. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
to whom it may concern, i tried numerous times to solve this matter with them and have not been successful i was given a trial that started XX/XX/2022 i completed all the payments even did 5 payments total i never received my final docs i brought it up to them they told me to re apply i did not they are saying i do not qualify that my income then it was something else i just want to keep my house they keep playing with me ive done everything that they've asked me for. i did not ever get courtesy call they are in violation of my rights as home owner. They never called to make sure i received my final docs or anything. which i never did thats why i kept making my trial payments. all i want is to keep my house and make payments. Please help me i am at the verge of a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this collection has aged out and they are still trying to collect, according to XXXX law there is a XXXX  year expiration on these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: DISCOVER BANK
State: OH
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:
I called into the service department months ago and I was asked about some charges that appeared on my student discover card. Those charges were not mine and they were disputed and taken care of. I then realized that fraudulent charges were on my card ranging back to XXXX of 2022. I submitted another dispute for each charge and they came back and declined those disputes. They basically said that I was making charges or still using my card in between the disputed charges. I already told Discover card that my credit card was never stolen, but someone had to have access to my credit card information. So I can see how this could easily happen. With that being the case I never noticed charges that showed up on my account that weren't mine. I'm a college student. This is my first credit card and I was unaware of how to check my account and was not checking it regularly. They also implied that I waited too long to dispute these charges. 

There are about {$800.00} in unauthorized charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2022-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX, Equifax and XXXX are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which has violated my rights. 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.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.

Company response to consumer: Closed with explanation