BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
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: Personal information incorrect

Complaint:
Experian is reporting the following incorrect personal information on my credit report. Incorrect/Inaccurate Names : XXXX XXXX ( spelled wrong ) XXXX XXXX ( spelled wrong ) Incorrect/Inaccurate SSN : XXXX ( not my SSN ) XXXX ( not my SSN ) Incorrect/Inaccurate Addresses : XXXX XXXX  XXXX XXXX CA XXXX ( does n't exist ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( missing apt # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # )

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 2022-09-08
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am getting my bill statements 1 day before they are due. The company says it give a 15-day grace on billing, but I am worried it is getting reported as late payments to my credit. I am always current, but this does seem a little unprofessional.

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 2020-04-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was signed up for auto payment with Uber credit card by Barclays. They are supposed to automatically withdraw my payment every month. They turned off the autopay without telling me. I paid in full one day late. When I chatted with them, they assumed responsibly, telling me they had a computer problem and turned off the autopay for everyone. I asked them to remove the {$29.00} late fee. They said it would be removed when my payment posted. My payment posted and its still there. Ill probably get it removed, afte a hassle but how many millions in bogus fees has this glitch earned the company? Someone should protect consumers from fraud like this.

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 2017-06-20
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Weltman , Weinberg & Reis Co. , L.P.A . Call multiple times a day multiple times a week, most days starting at XXXX MST. I have reached out to them through their website for a payment plan with no response. I have these debts because XXXX and XXXX XXXX XXXX XXXX refused to work with me on payments so I paid what I could until they defaulted ( I now have two loans at Weltman, Weinberg & Reis Co., L.P.A ). Please stop calling and harassing me early in the morning and multiple times a week. I know the issue and I reached out to you with what I can pay, and that 's all I can pay. Calling me multiple times a day and week about either loan will not increase The amount I can pay. I have always wanted to pay these loans and still want to pay them, It just needs to be within my budget because I ca n't pay anyone what I do n't physically have. I do n't have any assets to sell to pay or else that would have already been done, these loans have taken everything from me, any chance of owning anything is gone. My mental peace is gone. The best way to reach me is through email as I live in the mountains and the chances of any call I answer being dropped shortly after answering are high.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2022- XXXX I disputed an account that is reporting on my credit report. XXXX XXXX, XXXX is reporting a account that is not affiliated with me. I requested a notification letter from XXXX XXXX through the Consumer Financail Protection Bureau. I attached that letter with this complaint as proof. Please check the address that is on the letter. I do not have a previous nor present address of XXXX, NC XXXX. Therefore XXXX XXXX DID NOT NOTIFY ME as the LAW requires. Fair Debt Collection Practices Act law 15 U.S code 1692g states clearly that a creditor must recieve notification before a debt collector puts information on a consumers file. Please check my addresses on my XXXX credit report. Reinvestigate this account 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 non-monetary relief
Consumer complaint received 2019-11-17
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. 

please remove off credit report. This debt is from when I was sick

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I contacted XXXX XXXX XXXX AND EXPERIAN Via expedited mail I have mailed in police report that affidavit etc. even proof of address XXXX XXXX XXXX AND EXPERIAN failed to protect my consumer rights as well as reporting fraudulent accounts below XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX is reporting a fraudulent collection on my Personal credit report ( XXXX XXXX XXXX XXXX ) which is a violation of consumer rights they also had violated section XXXX of the fair credit reporting act XXXX DID NOT INVESTIGATE properly NOR SEND ME PROOF AS TO How this collection account is mine THESE COMPANIES ARE AWARE OF MY IDENTITY THEFT AND FAILED TO REMOVE THE ACCOUNTS! 

XXXX XXXX XXXX are in violation of the fair debt reporting act National credit systems also have my police report etc. and did not provide me with proof of anything do therefore Im suing all companies in federal court as of XX/XX/2022

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 2022-09-08
Company: Debt Recovery Solutions, LLC
State: VA
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:
During regular check of credit reports noticed Debt Recovery Solutions on my reports. Collecting for XXXX XXXX FCRA and FDCPA violations from Debt Recovery Solutions that consist of. 
*No idea who they are as I have had no contact with them ever. XXXX account just appeared on credit reports with no chance to dispute. 
*XXXX whom they are trying to collect for is a Internet payday lender that operates illegally in Virginia which is my state of residence. 
*Never have dealt with XXXX unless something was done in my name fraudulently. 

This information concerning Debt Recovery Solutions is also being reported to the Virginia and New York Attorney Generals Offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My family and I have made on time payments every single month. These payments which total to {$290.00} per month have not in any way affected our overall balance EXCEPT by {$63.00}! Out of {$580.00} only {$63.00} has been put towards the actual balance. With an original amount financed which proof is included in the photo of {$9500.00} out of {$580.00} our balance is {$9500.00}. I have attempted to talk to these people  Exeter Finance  and refuse to deal with the ignorant misleading and predatory lending company that this is. I have read NUMEROUS reviews on this company regarding the exact same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion 's Failure / Refusal to remove a Dismissed Bankruptcy from my file in violataton of Fair Credit Reporting Act Sec.1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or order of relief. Any case civil or otherwise, which is dismissed no longer exist in the eyes of the law and the case filed has never been adjucated. Therfore, Transunion / XXXX XXXX ( Reverification Company ) has no right to maintain information which the government has deemed non existent. Once again, pursuant to Sec. 1681c ( a ) ( 5 ) of the FCRA, Transunion must delete this information from my report and send me an updated copy when this correction is completed, Transunion must stop depending on XXXX XXXX for reverification of false / incorrect information that is in clear violation of the FDCPA. Additional Complaints are being filed, by me on XXXX XXXX & Transunion with the BBB. This also being reported to XXXX in the same manner. XXXX XXXX is knowingly abusing the law and has incorrectly re verified this information at least five times. XXXX XXXX attempts to justify their actions by incorrectly stating that a non appearance for a 341 hearing that results in a dismissal is an adjudication. Transunion needlessly reinvestigated the file ( multiple times ) after being informed of the exact Section of law and blindly accepts XXXX XXXX 's abuse of the FCRA Law.

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 2022-03-12
Company: EQUIFAX, INC.
State: MN
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 have sent Equifax 2 Federal Trade Commission Identity Theft Reports for the following fraudulent account and XXXX credit inquiries that is not my account or credit inquiries : XXXX XXXX, account number # : XXXX, opened : XX/XX/XXXX, balance : {$6900.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. The XXXX XXXX account and the XXXX credit inquiries are all fraudulent and unauthorized, and not my account or credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I mailed letters to all three credit bureaus disputing the inaccuracies on my credit report and requesting the removal of those accounts. To date, I have not received any correspondence from Equifax as to the results of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have excessively tried to dispute a collection with them. They claim I owe them money from filling out an application to live there. Why would I fill out an application to live there when I was already a current resident for 2 years and was still living there when the application was submitted. That makes no sense. They refuse to send me any letters of verification or communication. I want the debt ceased and the negative reporting removed from my credit report. How can I be charged for something I never asked for, wanted, or needed?

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 2022-02-17
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ally financial XX/XX/XXXX wish automotive XX/XX/XXXX XXXX XXXX XX/XX/XXXX first premier bank ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.

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 2021-05-24
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single XXXX XXXX XXXX XXXX woman and I have been on time with my mortgage payments for almost 5 years. My mortgage is with US Bank. I bought the home on XX/XX/XXXX and had financial debt and filed Chapter XXXX bankruptcy in XXXX. It was finalized in XX/XX/XXXX. I changed jobs in XX/XX/XXXX because my work place was toxic and accepted a XXXX  job with the XXXX of Minnesota in XX/XX/XXXX. I have struggled since that time to continue to make my mortgage payments because the job change resulted in a pretty substantial pay cut. I have reduced my living expenses to the best of my ability and even rented out a room on XXXX before Covid. I recently tried inquiring with US Bank my lender about loan modification due to financial hardship with a goal toward reducing my interest rate and monthly payment given that I am not in default and have equity of more than 20 % in my home. US Bank repeatedly said they had emailed me the application but sent me a link that led to a dead end and said I needed Adobe Reader to download the document. I have XXXX and can prove it. I called repeatedly to talk to someone and asked them to mail me the application and they said they did but they did not. My last call was on Friday XX/XX/XXXX when the woman said that she would have someone named XXXX at US Bank email me by the end of the day. I asked what the email address was so I could look for it, and decided to try to email him myself to ensure it was a good address. Not surprised that it bounced back as invalid and once again US Bank had no intentions of trying to help me. They make more money if they can foreclose and sell it to the highest bidder. But I have rights as a consumer and a homeowner and they are messing with the wrong person because I am not afraid to exercise my rights and file a complaint.

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 2021-09-25
Company: Carvana Group, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
my partner and i bought a car on XX/XX/XXXX because carvana offered a car by XX/XX/XXXX if i purchased now. i needed a car an thought the cost was too high for a XXXX XXXX at total around {$17000.00} or about that. this was after the loan, taxes, and everything, my partner has no credit issues but hasn't built any so we wanted to finance a car to build them some, so we agreed to the 9.2 % even though it was high. the terms of the sale told us to insure the car and upload the documents buyers valid license. we sent in every document and the car delivery was set for XX/XX/XXXX. On XX/XX/XXXX our carvana account asked me to resign the document and pick a date from XX/XX/XXXX and on for delivery, for 3 days i called and argued that there were violations to laws being made, we need the car and i wont accept it after XX/XX/XXXX, finally by the XXXX they said it would come XX/XX/XXXX at XXXX, this day my number went straight to management who told me verbally that there were no changes to my contract and said it had to be resigned because of the delivery date. when i looked at my contract it had said my interest rates were now 26.194 %. they refused to change the contract so i wont sign it. im contacting you to help consumer protection. the state of illinois is also being cheated out of taxes because carvana doesn't properly register cars, i've seen endless people claim titles are missing and lost meaning the state want paid but people were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved from the property that was receiving the XXXX service on the XXXX of XX/XX/XXXX. I then leased the property to XXXX XXXX and XXXX XXXX beginning XX/XX/XXXX. I agreed to pay the utilities until they moved in and got the accounts switched into their name. 

I had XXXX phone service and internet service both at the time. We were told that if I was to cancel my service then it would not be possible for the new account holder to obtain internet service at that time because there was a waiting list? What we were instructed to do was just transfer the account into XXXX & XXXX name, which we did. This involved at least 2, 3-way calls between XXXX, XXXX and XXXX to obtain permission. 

After we thought his was done I continued to get phone bills at my new address which was not serviced by XXXX. I continued to pay them, and XXXX would reimburse me but then after a couple of months XXXX and I both were getting separate bills. I had my payments to XXXX set up as automatic payments through my credit card and in XXXX I wrote them and disputed the payments and told them that I had cancelled the service. My credit card company investigated the dispute, after their investigation they refunded the payments that I disputed. ( letter enclosed ) I then began to get collection letters that I disputed with the debt XXXX. The 1st one was from Sequium Asset Solutions , LLC on XX/XX/XXXX, after I disputed it I heard nothing further from them. Then on XX/XX/XXXX I received another letter from XXXX XXXX. I disputed this again and once again i heard nothing further from them. I went for a mortgage in XXXX of XXXX and my credit which for as long as I can remember has been above 800 was now below 700 because of this false charge and I ended up getting a much higher interest rate because of this. 

Now on XX/XX/XXXX I received another letter from XXXX XXXX debt collection company.All of these companies are after the same debt and none respond after I dispute the debt so I assume that it has been cleared up. XXXX is the absolute worse company to try and deal with, you just keep getting sent to different people and never get anything accomplished. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who gave TransUnion permission to report anything on me? I need answers now. Im 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