BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I bought a car that was financed by Lobel Financial. Financed price was XXXX which totaled to XXXX if I followed the 30 total payment agreement of XXXX. In that contract I was charged XXXX for debt cancelation agreement. Once I started the payments Lobel Financial added XXXX to my original balance for LDW coverage for lack of insurance. My payments of XXXX increased to XXXX, XXXX extra billed monthly for 30 months ( XXXX ). I made a total of 10 payments equaling to XXXX including the XXXX agreement. My payments were due on the XXXX of every month. According to the XXXX agreement Lobel had 10 days from the day I went delinquent to revoke the service. I notified them that the cars engine gave out and they assigned my car for repo on XXXX which was before the 10 days of delinquency. My original balance if I followed the 30 month payment plan was XXXX but was increased to XXXX due to the XXXX premium of XXXX. I paid a total of XXXX in XXXX premiums. My debt should have been canceled as per the agreement. They refunded me XXXX in LDW rebate but failed to refund the remainder of the XXXX that was added as the XXXX premium totaling to the XXXX originally added. They charged off my account including LDW premiums but failed to provide me with the coverage. Lobel financial was sued by the CFPB in XX/XX/XXXX for charging premiums after delinquency but not providing coverage. I fall under the class action lawsuit and I would like for this debt to canceled and removed off of my credit report. This practice is unfair under the CFPA. Lobel Financial also violated FCRA by reporting incorrect balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have filed ( 2 ) prior complaints about this debt collector already and now they are retaliating against me. This debt what paid by the XXXX insurance policy that was built into the loan for the vehicle purchase. However, it appears that this company filed a debt claim against me on XX/XX/XXXX and received a default judgement against me on XX/XX/XXXX in XXXX XXXX, XXXX  at the Justice of the Peace Precinct # 4. The problem with this is I have not lived in that precinct since XX/XX/XXXX and did not receive service in order to respond. They requested for alternative service, which I presume was either posted on my door or by certified mail at a residence in which I know longer lived and have an termination of my lease agreement from the residence that was in the applicable precinct to verify such. Additionally, since filing complaints with the CFPB regarding this account, this company is retaliating against me and has since requested to seize any non exempt property that I have to make good on the absurd default judgement, which was filed on XX/XX/XXXX! This company should have never been granted a judgement in the first place, as I was not served. This is unacceptable, unprofessional, and illegal! I am permanently, medically XXXX and receive Social Security and am on a fixed income while also being fully financially responsible for ( XXXX ) children. I do not have any non-exempt property and this company is pursuing a debt in a court where I do not live. I will be filing a complaint with the bar association against the attorney who filed these actions as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$580.00} Inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Original claim filed on XX/XX/XXXX with XXXX  for inflating interest charges, charging interest to principle only payments, and not applying principle amounts correctly. 
I have been in touch with XXXX XXXX ( Office of the Chairman ) ( XXXX ) XXXX I last sent her some documents on XX/XX/XXXX with questions, and have not heard back from her. I have left several messages for her to contact me, & she is ignoring my calls. 
I have been trying to get this account straightened out since the beginning, and have been getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.

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 2022-06-30
Company: EQUIFAX, INC.
State: FL
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:
I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2022 have not received any information about this collection. I disputed all my credit bureaus due to unverified information. This is fraud and is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State Law. In addition, is a violation of the HIPAA Act. This must be REMOVED.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Can not get ahold of anyone to close a fraudulent account. Have mailed letters, called and been on hold for over three hours - called local branches - was always transferred to fraud line that repeatedly tells me my call is important and will be answered by the next available associate - which was never accurate. I want these fraudulent accounts closed!

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 2022-06-07
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Southwest Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today is Tuesday, XX/XX/2022 and I am filing a complaint about a collection that was found on my credit report. I have been dealing with numerous accounts being opened under my identity fraudulently and have filed two other complaints about my identity theft issues with CFPB. This collection is from Southwest Recovery Services located at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX for the collection in the amount of {$570.00} on behalf of XXXX XXXX XXXXXXXX. On my credit report, it shows that this account was fraudulently opened under my name on XX/XX/2022. After learning about this fraudulent account, I contacted XXXX to file a dispute about this collection since I am a victim of identity theft. XXXX is the only bureau that has this fraudulent collection account on my credit report and the other two credit bureaus, XXXX and XXXX, do not. I filed a dispute with XXXX about this collection on XX/XX/2022 and my dispute was completed on XX/XX/2022 with no email or text informing me of the results. This was very odd since I always receive updates on my disputes with XXXX since I signed up for text and e-mail notifications. This led me to call XXXX today, XX/XX/2022 at XXXXXXXX XXXX and I spoke with an agent named XXXX. I informed her that I filed a dispute about this collection on XX/XX/2022 and received no response about my results. She stated that XXXX concluded that 'I am the rightful owner of this account based on their investigation, ' which is upsetting since XXXX is aware that I have filed multiple disputes about fraudulent accounts being opened under my identity. I requested to file another dispute on this collection today since it is not right how XXXX is conducting their investigations. I let XXXX know that I am and have been a resident of XXXX XXXX all of my life and I have no affiliation with XXXX, which is where all of these fraudulent accounts are being opened under my identity. This is not the first time results from XXXX were not in my favor, which is why I continue to reach out to CFPB to find resolution with my identity theft matter. On XX/XX/2022, I went to my township 's police station, XXXX Police Station, to file another police report on my identity theft issue. I filed my police report with XXXX XXXX XXXX and he included this fraudulent collection from Southwest Recovery Services on my police report. In addition, XXXX XXXX XXXX has entered me into the XXXX as a victim of identity theft. I have frozen all of my credit reports with all three credit bureaus, as well.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Changed banks, in XX/XX/XXXX   submitted a request online with Navient to change my auto pay to new account ( I have been on auto pay for 20 years and have 10 more to go ). Recd email stating autopay approved with new bank. XX/XX/XXXX, Navient took autopay out of old bank acct. XX/XX/, resubmitted new autopay online and received email confirming new autopay. XX/XX/XXXX Navient did not take out autopay from any account. Called Navient to resolve. Through several phone calls was told that they would put my XXXX payment into Administrative forebearance, my loan terms would not change and I would not lose my .25 % interest reduction for timely auto pay payments. The automated electronic contract did not state the same terms that the representatives had told me, it stated a regular forebearance with interest capitalized, etc. You can not get out of the automated contract to speak to the representative without agreeing to the contract. I raised my concerns to 2 different representatives ( Navient made the mistake of not starting my autopay correctly, I did not want my payment to change or lose my interest rate reduction, or receive a late pay on my credit report, and that the automated contract did not state what they had told me ). Each representative said the same thing, that this was an Administrative forebearance that my payment and interest rate would stay the same and no late payment would be reported to the credit bureaus. Since Navient considered my XXXX payment overdue and required both my XXXX and XXXX payments to bring my account current, I had not choice but to accept their Administration forebearance, Today, I received my confirmation of autopay with Navient, and as I feared there was no Administrative forbearance, my loan payment changed from {$330.00} to {$340.00} dollars per month and since I have 10 more years to pay on this loan it will increase the overall cost of my loan by at least {$600.00}. I will not know until next month, but I imagine I will also get reported to the credit bureaus for late payment and lose my .25 % interest reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
i never lived at those address that is associated with the debt i want the original copy with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 instruction.

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: CREDIT ACCEPTANCE CORPORATION
State: WA
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 settled a debt with Credit Acceptance Corporation through the law firm XXXX XXXX XXXX. The date is XX/XX/22. I have documentation showing that they agreed to it being settled and closed. since then Credit Acceptance has continued to report debt and further late pay info. I attempted to dispute it XX/XX/22, and they denied my dispute.

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 2022-12-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
So for the last year, I have been sending you documents and documents to each of the credit bureaus ( XXXX, Experian, XXXX ) regarding my name, address, and phone number is incorrect on my credit file. Because of this, I've lost deposits on homes, the ability to obtain business and personal loans, credit cards, and employment. I want you to correct my name and address on my credit file.. I am also seeking damages for lost income and lost the ability to obtain housing and consumer credit. My correct name is XXXX XXXX. I've never gone by any other name or variation of my name. Any attempts to procure credit under my name is fraudulent. My identity has been stolen multiple times and many variations of my name have been used. My Name is XXXX XXXX this is the only name I go by. My XXXX address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. Please remove any other name or name variations and addresses or address variations from my file. Only leaving the aforementioned.

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: EQUIFAX, INC.
State: GA
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 XXXX Account # XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that 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 a account without my written instructions.

Company response to consumer: Closed with explanation