BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
PLEASE NOTE THIS IS NOT A DUPLICATE. I HAVE INCLUDED LAW FROM THE DISTRICT OF COLUMBIA TO BACK MY CLAIMS On XX/XX/XXXX my XXXX XXXX XXXX was repossessed in front of my home. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial should have sent a notice to me or my last known address 10 days prior to repossession. I XXXX XXXX, can confirm that no letter was received 10 days prior to repossessing my personal property. This is a violation of consumer rights and constitutes unfair trade practices. To further no notices prior to repossession was received as required by UCC 9. 

To add to this complaint, after paying the required amount of XXXX to retain my vehicle and cure the alleged debt, Prestige has stated that my account did not cure and remains in a recovery status as if payment was not received or applied properly to the account. This gives reason to believe there may be a billing error pursuant to 15 USC 1666d. I also do not receive monthly statements anymore for this account nor do I have access to the online portal. In addition I just received a notice of redemption letter for an additional XXXX dollars that is due by XX/XX/XXXX or my vehicle would be repossessed again. 

Prestige Financial shared my NON PUBLIC personal information with a third party to the retail installment sales contract ( XXXX ). The XXXX only includes myself, the dealership, and assignee Prestige Financial Services Inc. Since there is a binding arbitration agreement, this dispute should have been settled in arbitration prior to the company taking any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Receivables Outsourcing, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get periodic robocalls that go through the whole routine of saying it 's about " an important business matter '' and just for me. It even waits for " 3 seconds so I can take the call in private. '' It gives the required warning that any information obtained will be used in the attempt to collect the debt. But it never identifies the debt or gives me any opportunity to provide any information. It only requires me to call an XXXX number. If I stay on the line after the number is given, it starts over again from the point of the 3-second wait. I have never returned the call, but I 'm getting fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-06-11
Company: Hirshberg Acceptance Corporation
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Financed A Car in 2011 XXXX XXXX XXXX ... XXXX XXXX ( Buy Here Pay Here ) For XXXX dollars had It almost Paid Off Down to XXXX Dollars ... Car Started Giving Me Multiple Problems Called My Dealership Asking If They Could Have It Fixed Or Put Me In Another Vechicle They Basically Told Me No It Wasent Thier Problem ... I lost Out On Money & Also Had To Find Rides Back & Fourth To Work..Called Them Up To Come & Get The Car & They Wouldnt Take It Back ... Financed From Them Before in Good Standing ... They Also Went out Of Business Shortly After ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I co-signed on an account with DriveTime Automotive Group , Inc/ DT Acceptance Corp . The buyer of the vehicle has failed to make on-time payments including failure to pay in full. At this present moment he has not made any payments in the last two months. As a result I have been harassed by DT Acceptance Corp in regards to the account because they ca n't get in contact with the buyer! I was contacted by an outside source ( someone who does n't work for Drive Time/DT Acceptance Corp ) in regards to my account with them via XXXX. This individual is the girlfriend of one of the collections manager at DT Acceptance Corp with whom I have spoken with breifly in regards to some paperwork for my account. I have contacted the Corporate Office in regards to this matter. They refuse to discuss how it 's being handled or if it 's been handled because they do n't want to compromise the privacy of their employee. However, I believe my privacy has been compromised. How did she get my information? Why is my information being shared with people who do n't work with DT Credit Corp? I have asked them to stop calling me on several occasions they have continued to do so until I requested again to be contacted by mail only. Due the request for them to stop calling me on my cell phone and at work, they have proceeded to contact references on my account. One of the individuals contacted, I do n't even believe is on my application as a reference. One of the references listed did request that they stop contacting her and they have continued to contact her. Despite the current status of my account, I do not feel that I am deserving of this type of harassment or stress and neither or my friends and family. Furthermore, due to their carelessness as a business in regards to my personal information, I am in fear that my information has been leaked and/or will be leaked in some malicious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Checkr, Inc
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has claimed I owe them {$27.00} for XXXX years despite the PROOF of PAYMENT I sent them : canceled check and their ownPAID INVOICE for {$27.00}! 
They continue to insist I owe them and collection agencies are after me. 
How can I stop this harassment for a bill I already paid four years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX, an online event ticket broker, charged us an incorrect ammount. We purchased tickets online for a XXXX XXXX Concert occuring on XXXX/XXXX/2016. During checkout they showed the total as {$250.00}. They charged our bank account {$1100.00}. We did n't know we were charged that much until we got the receipt. 
They will not even talk to us to resolve the issue. 

We contacted our bank to file a complaint and they did nothing for us. 

It should be noted that the tickets they sold us are still being sold today, from the venue sponsor for {$80.00}. 
XXXX tickets are only {$250.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I attempted to withdraw XXXX XXXX XXXX from an ATM in XXXX XXXX. There was a mechanical/electronic malfunction with the ATM machine and no funds were received by me. 

The bank is reversing the temporary credit issued in Favor of the issuing bank. 

I am adamant that the funds were not dispersed and the machine suffered a failure. 

An ongoing complaint # XXXX with USAA and I am awaiting indisputable proof that the funds were received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had Macy 's account before. I always paid all the dues/charges I purchased at Macy 's but it always showed {$2.00} balance in the next month 's statement. I called and complaint this many times to them and finally I closed Macy 's account and never bought anything from Macy 's. 
But Macy 's showed these {$2.00} balance on my credit report and reverse effect my rating. It 's not right. I hope this authority can help me correct it. 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 monetary relief
Consumer complaint received 2016-04-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Complaint Details I filled out an application for prequalification on a home mortgage about a month ago. After about 3 days i received a prequalification letter saying i was qualified for a home loan of XXXX with 5 % down. It said that the next step was to find a home and get a contract. So I did.I put XXXX $ down ernest money and XXXX $ for option period then another XXXX $ on home inspection. I then had the realtor send over the contract and was instructed to call USAA to make sure everything was going well. Well I call the number listed on the pre qual and ask for the status and they say it has not been prequalified ... .then why did i get a prequalification letter? They said something might have got messed up so I went through the whole process again with no luck. The denial i got from the second one cited insf funds to close loan yet I had XXXX in USAA buyer was going to pay XXXX plus XXXX ernest and a XXXX gift ... that would be XXXX plus by the time the loan closed i would have had another XXXX. This is besides the point though ... I got a paper saying im prequalified for a loan through USAA yet when i called they said no. So someone made a mistake and it has cost me XXXX in inspections and XXXX in option fees ... that is a {$490.00} error because i received a prequalification from USAA and began the home buying process. Only one person told me exactly what was going on and actually advised me that USAA offers first time home buyers program that would help us out. The first like 6 people should have told me about this program, I clearly told them this would be my fist home. Anyways I am not out {$490.00} and have wasted a month going back and forth with bad services. I have never had issues with any of my other products but to fail so badly and XXXX us over will make me seriously reconsider another product through this company. And I do expect a reimbursement for my losses as if I did not have that prequalification we would have never continued the process and spent that money. I also now have numerous credit pulls because all said and done I went through 4 applications before I got the full story.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-28
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Company claiming to be a debt collector keeps calling me and texting me from different numbers stating I have to pay for a payday loan from Advanced America from XX/XX/2013, and that they are going to come to my job and arrest me. They state they are calling from XXXX and I spoke with a gentlemen by the name of XXXX XXXX. I have received calls, text messages and voicemails from the following phone numbers : XXXX, XXXX, XXXX and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
2014 48 months XXXX was the note but I paid XXXX for 30 months and XXXX 18 months. Wells Fargo has taken extra money from me. The billing address is XXXX XXXX XXXX XXXX XXXX ca 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 2015-04-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was denied credit due to low Equifax score. I went on line XXXX times to get my report to print out - every time it says it can not do an online report at this time. To call the toll free number. Every XXXX time I call that I get put into a circle of fraud questions as it is an automated line. Can never order my report. They are avoiding giving the free reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX Account # XXXX has violated my rights. 

I am not liable for this debt with XXXX XXXX XXXX and I DO NOT HAVE A WRITTEN OR SIGNED CONTRACT WITH THEM OR THE " Original Debtor '' and until this day they have YET to provide me with the original applications with my signature on it. Therefor this is misreporting and its negatively impacting my credit report. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

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 2015-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company is reporting erroneous and unverified information in my credit file.  This information is not being reported correctly and should not be reporting at all. Please investigate this erroneous frivolous information.  Equifax needs to be investigated on a XXXX level and shut down for the negligent handling of consumers accounts.
XXXX XXXX  - Unverified erroneous account that is reporting incorrectly and has been reinserted from a previous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Describe what happened so we can understand the issue ... 
Hello- We were the victims of XXXX servicing and subsequently were awarded money in a lawsuit that the CFPB brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account ( XXXX ) should be deleted from my Equifax credit report. XXXX changed names to XXXX. So the account on my credit report now shows up as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX I feel strongly the following may be hurting my credit because it BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. 

XXXX XXXX This is a formal request for investigation of this account 's account name, account type, and account balance. I believe this information may be inaccurate. Immediate removal of this item is required of you.. 

XXXX XXXX I feel strongly the following may be hurting my credit : account name, account type, and date of last activity. I believe this information may be inaccurate. I need this removed immediately. 

XXXX XXXX This is a formal request for investigation of this account 's date of first payment, credit limit, and account number. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX XXXX I feel strongly the following may be hurting my credit : date of first payment, credit limit, and account number. I believe this information may be inaccurate. I need this removed immediately. 

XXXX Account XXXX Please run a full investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match what it says in my records. 

XXXX Account XXXX Can you please review the responsibility and current amount of this collection. I do not think it 's a 100 % accurate and remove this item immediately from my credit report. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a 100 % accurate. Please remove this collection immediately for it 's inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not 100 % accurate and remove this collection immediately from my credit report. 

XXXX XXXX I XXXX Can you take a look at and review the collection type and number because it does n't seem right and remove this item immediately.

Company response to consumer: Closed with explanation