BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-26
Company: Comerica
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
This is in reference to company call Direct Express which I get my Social Security XXXX checks deposited to my account number is XXXX for XXXX reference number is XX/XX/XXXX their phone number is XXXX back on XXXX XXXX my filed dispute I told him that I was in a XXXX from XXXX XXXX till XXXX XXXX I was learning in a XXXX and any charges I was made in between those dates are not mine did n't give me the run around for almost a month now and I told him that I was in a XXXX in a XXXX so there 's no need for the XXXX bus ticket at this moment give me refund of the money that was taken out and investigate and find out later let 's go what was going on because I was in a XXXX for god sake I was

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Focus Holding Company
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 is not mine

Complaint:
they put on my credit report that I owe {$600.00} for an account I never had

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-22
Company: Western-Shamrock Corporation
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my auto loan with Santander Consumer USA XX/XX/2015. XX/XX/XXXX I received in the mail a release of lien to file with the DMV, I also received a letter stating my Santander Consumer account was paid in full. As well my credit report currently shows the account as paid off, I sent the release of lien in to the DMV in XX/XX/XXXX when I received it. On XXXX XXXX, 2015 a repossession agent from XXXX XXXX XXXX showed up at XXXX XXXX to repo my car. I stated to the individual I had a copy of the release of lien on the vehicle and a letter stating from Santander Consumer my account was was paid in full. I showed all documentation to the gentleman, he then stated he 's never seen paperwork like that out on a repo before but he had a order of repossession and had to take it. He, then took pictures of documents I showed him and let me get my belongings out of the vehicle. He was very polite let me gather my belongings and then took the car. The following Monday morning I called the DMV an they stated their was currently no lien holder on the title. I then called Santander to find out details to why the repossession took place. The first person stated He was very sorry and my vehicle would be returned in the next couple hours in my driveway, it should of never been repoed in the first place account is paid in full. He put me on hold an a few minutes later said it was all taken care just needed approval from a upper level manager an it was all done. The manger would call the repossession company for return. I then waited an called again a few hours later. An I spoke with a lady, she stated I had some of my payments Return due to NSF charges on my account which is totally false I paid the balance in full. An have the confirmation numbers for all payments and postings to my account. She stated she wanted {$6000.00} to get my vehicle back and an could not issue me a copy of the full account payment history. An if I did n't pay my vehicle would be sold on XX/XX/2015. This is totally bogus I never even received a letter or statement asking for payment or letters retaining to demanded payment or repossession notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has placed mortgage loan on my credit account number ending in XXXX this belongs to my father at the same address. I have asked several times for it to be removed. All three credit agencies refuse to move the information. yet fail to provide me with any validation of the loan. Recently, I sent each agency documents showing the loan ending in XXXX was not my loan. That I had another loan with my father ending in XXXX ... I sent them copies of the original documents of both loans.. They still refuse to remove the XXXX credit from my file and still provide no hard evidence as to why. I have been sending letters since the beginning of XXXX. To both the credit agencies and to XXXX XXXX XXXX and I am getting no where. Transunion - Dispute Results From TransUnion TransUnion received your request on XXXX XXXX, 2016 and completed their investigation on XXXX XXXX, 2016. Please review the results carefully. 

Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

Account Name Account Type Open Date Status Balance XXXX Mortgage This is at least the third time I have disputed this information with Transunion especially and with XXXX XXXX XXXX as well. Where do I go from here..

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 2017-01-11
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a subpoena for this debt until 7 days prior to trial. I was unable to attend because of a conflict. My attorney contacted them numerous times prior and after court date to settle account but received no response. They then preceded in garnishing my bank account without notice. I spoke with them in XXXX of 2016 regarding a settlement at that time. When I tried to call back after a 2nd garnishment without notice they refused to honor the settlement. They have been uncooperative & gt ; I left a voice mail with the organization once again and it took them over a week to return the call., when I finally spoke with someone they were rude and belligerent.Asked to speak with a supervisor, but no one was available. No one has returned a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my mother is s a XXXX year lady that lives with me in XXXX XXXX Ca and my mothers money was taken out in XXXX use her information i did let the bank know and they are denied my mother of and fraud. she did do a police report and the bank does not want to take it in consideration..

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 2015-03-23
Company: Stellar Recovery, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Continued attempts by XXXX XXXX XXXX to collect on debt under my name. The debt was clearly shown under another name and address in a state I have never lived. I also was currently living in the northeast while the debt is in California. 
I have disputed several times but the debt keeps showing up in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My credit was compromised and there were some things on my credit report that did not belong to me, I disputed them with the credit bureaus and some things were removed ; however, most things were not. There was a fraud alert placed on my credit report but I have not been able to access my credit report or scores since to see the final results, I need assistance with obtaining my report and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Stellar Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Stellar Recovery Inc. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: AMERICAN HONDA FINANCE CORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: IQOR US INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This appeared on my credit report. I have not had XXXX XXXX in over 2 yrs. Have not heard from them since paying the final invoice 2 yrs ago, and now they have a debt collector reporting me to the credit bureaus. 
I owe them nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! 
Can you please handle this very annoying matter for us. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: High Point Asset Inc
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX calls to phone number reassigned to us 6 months ago. Previous phone number owner named in complaint. Told agent he had wrong number and he agreed to remove us from further calls, but calls continue. Fed up with their calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: General Motors Financial Company, Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-17
Company: National Collection Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit since my wife and I are looking at what it would take to get a house next year in the XXXX. When looking at the Equifax report in early XXXX I noticed a card on the report that was not mine. I disputed the item with Equifax , who then a month later said that they had verified the account and that it was " mine ''. I called the Bank and they claim that I do n't have an account with them, yet Equifax insists that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. There are multiple inaccuracies in this reference to XXXX XXXX XXXX. First, the delinquency data is inaccurate as the date of delinquency was in 2011. Second, the balance owed is inaccurate as the balance is {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from the company indicating that they are in possession of this debt. The Fair Credit Reporting Act states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: SET Financial Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I live on XXXX. Set Financial has been calling all my contacts even after I told them not to. I am 3 payments behind and is having financial and health issues. I had like 10 texts on XXXX XXXX. I am getting rude calls from XXXX, SC. Please help back them off

Company response to consumer: Closed with non-monetary relief