BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my credit report and I see midland has purchased and account that I had years ago with XXXX XXXX XXXX and now they're trying to collect {$580.00} and report the account as open .I receive social securirty and I'm not paying thm for and account they purchased for their monetary gains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was looking through online loans. I saw credit ninja and went to their website and was directed to enter my information thinking it would allow me to review all The information. When I pressed the submit button, it automatically went into processing and I immediately sent 3 emails to them stating that I do not want the loan and did not realize it was going to processing and to be funded. The funds are in my account and I do not want this loan at all. The interest rates are astronomically high very much like a predatory lender. I will send the funds back immediately and do not want to be charged interest, period.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report there is an item that should have dropped off at XXXX yrs. But it is not, it is still there at XXXX yrs. 

Please help me in getting it dropped of my credit report and have send me a corrected report. 

I thought they dropped a couple of yrs ago, but it came back I believe this goes under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XXXX XXXX XXXX updated XX/XX/2022, Dealership failed to fully pay off lease, I returned the vehicle, got another lease and was assured this would be corrected. See Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I am filing a complaint for a credit card that I never received and was never sent any statements for. Until I called I did not know the credit card was for XXXX. ( Chase card # XXXX ). When I called and talked to Chase they informed me the charges was {$30.00} a month for a XXXX card which I never received nor used. They do not state anywhe3re when applying for the card of a monthly {$30.00} fee and the fee is nothing. If the card was used to make a purchase I could understand, but {$30.00} a month to have the card is just plain robbery by Amazon. I would like to have it removed if it can, if not then something to show payments were never late since I never received any statements or a credit card from them. For the record after talking to them I paid the card off and closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Monterey Financial Services LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Monterey Collection acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.

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 2017-04-30
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.

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 2020-06-18
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
I cancel my phone service with XXXX on XXXX and they still reporting on my credit scores as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
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: Personal information incorrect

Complaint:
There are incorrect addresses on my record. I tried resolving this issue with the company, but they said that ID information did not match. They asked for creditors with whom I have loans and the most recent payments. That information was given and I was told it did not match what they have.

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 2022-08-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had XXXX vehicles financed through SunTrust Bank. A XXXX XXXX and XXXX XXXX XXXX. From day XXXX to date, I never missed a payment nor have I been late. XX/XX/2022 I made my XXXX Payments with XXXX separate payment coupons XXXX for the XXXX and XXXX for the XXXX XXXX. The cashier posted both payments on the XXXX truck and nothing on the XXXX XXXX but gave me receipts for both separate vehicles ( I do have ever receipt for every payment made on both vehicles ). SunTrust since sold their bank to Truist bank and I have since traded the XXXX XXXX. I have went back and forth with Truist Bank and the last offer they gave me was they could refund me the late fees and fix my credit but not my payment. In order for them to refund my payment I need to bring the title of the XXXX XXXX to them then at that time they would reverse an credit the payment back to the XXXX XXXX. I do not have that truck because I traded it for another truck in XX/XX/2022. I have always made my payments early and when I made my XX/XX/2022 payment on the XXXX of XXXX around dinner time I got an harassing phone call from Truist about a payment. I was so upset I said some harsh words and the next day I paid the loan off in full including their error payment and late fees. I need to recover my loss of money which is {$530.00} plus XXXX months of {$26.00} late fees and restore back my credit. 
Again I have all of my receipts that I can scan to upload as attachment.

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 2022-10-16
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX  Account was paid in FULLL and deleted from all three Credit Reporting Agency. Experian is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

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 2022-10-16
Company: EQUIFAX, INC.
State: PA
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 # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I filed chapter XXXX bankruptcy case on XXXX/XXXX/XXXX, a second on my house in the amount of {$50000.00} through JP Morgan Chase with the open date of XXXX, this was included In the BK and the house was surrendered back to XXXX the bank that held the lean. 
Chase failed to respond in time to my attorney to be included in my BK and then was denied by the courts when trying to file late. 
In XXXX Chase tried to refile with the XXXX county courts and my attorneys using a made up account # with the same open date of XXXX for {$50000.00} and again they were denied. 
So now I have XXXX loans on my credit report. 
My BK was discharged XXXX and Chase is reporting to the credit burrows on both the original loan and the fraudulent loan. 
I 've called Chase four times and the credit department can see whats going on but have still failed to fix the problem.. 
They did change the status of the fraudulent loan from open account with {$50000.00} line of credit to Collection with a XXXX balance as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
On XX/XX/2022 I received a notice from Experian that XXXX XXXX did a hard inquiry on my credit file. I have not applied for any credit from this company or any auto company. I called XXXX XXXX on XX/XX/2022 at the number listed on my report. ( XXXX ) XXXX and the person I spoke with said there is nothing they can do so I need to file a dispute. Experian stated that they are unable to dispute credit inquiries so they advised me to submit my dispute 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 2016-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a terrible situation with my mortgage because of XXXX which decimated my carpentry business. My lender is Select Portfolio Servicing and they have filed legal paperwork to foreclose on my home, which my father built with his own hands in XXXX. My clientele was primarily elderly homeowners who learned about me through word of mouth over the years. During the pandemic people were frightened to have workers come to their home and my business got very slow and at that same time I was diagnosed of XXXX XXXX and eventually my business shut down. This led to missed mortgage payments. I contacted SPS to try and get help but feel that I was given the cold shoulder. I thought that there were programs available to help homeowners who had financial problems because of XXXX but I don't think that the bank gave me access to any of these programs. After missing several months of payments I received paperwork that I was approved for a repayment plan that raised my payment almost {$300.00} per month. I called into SPS to tell them that this was too expensive and request that I be reviewed for other programs. My current interest rate is 8.1 % and my missed payments were the result of XXXX. But they did not give me a chance to be reviewed for any other programs and started foreclosure against my family in XXXX. 

We submitted new applications for assistance at the beginning of XXXX and after months of review were told that there were no options. I do not believe this is true. The government offered to reimburse banks through the CARES program and I know that SPS participated. Their denial letters claim that we are denied because of " investor guidelines '' but a pandemic related hardship does not fit into " investor guidelines '' and I think that there should be exceptions that can be made by management in this type of situation. 

I am not happy with the way things have went with SPS and just want the opportunity for a fair negotiation for a reasonable solution. We have the ability to make our regular mortgage payment, but we do not have the ability to pay back the {$11000.00} in missed payments and fees. SPS has many tools at their disposal to address this situation but instead of allowing access they tell us sorry, we are taking your house because of " investor guidelines. '' Due to the high interest rate they should be able to restructure and modify our mortgage loan and put the missed payments back into the balance of the loan. Or there should be an option to defer the missed payments and resume the regular payment. Either one of those options would work and allow us to save our home. We are now receiving legal notices that they are preparing to sell our home but we don't want to give up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: ESCALLATE, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.

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 2016-04-06
Company: EQUIFAX, INC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have submitted these requests for corrections to my credit reports, XXXX and Equifax , multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Financial Accounts Service Team Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2020 FAST Inc. received a request for verification of a debt from me. FAST replied on XX/XX/2020 claiming fraudulently to have confirmed the information. 
The information written on the checks is obviously not mine. Neither the drivers license number nor the date of birth or signature are mine. 

The checks clearly were not written by me and it is obvious that FAST INC has violated the law by continuing to post inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX    I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter   XX/XX/XXXX    . All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

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 2017-12-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.

Company response to consumer: Closed with explanation