BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I paid off the account in full to the original creditor. During this phone call, the original creditor informed me that they will close the account with the debt collection agency. 

On XX/XX/XXXX, I called the original creditor regarding the account closure because I will still seeing the debt on my credit report. During this phone call, they said they had emailed the supervisor of the collection agency on XX/XX/XXXX to close the account and that the collection account will be closed soon. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account. He informed me that he needed a formal confirmation from the original creditor in order to close the account. I placed the supervisor of the collection agency on a 3-way phone call with the original creditor and myself. During this phone call, the supervisor told the original creditor that no communication has been received from the original creditor regarding this account while the original creditor claims she has submitted it. The supervisor of the collection agency explained the process by which the original creditor must take to close the account and both agreed to take the necessary measures to move forward in the closure of the account. 

On XX/XX/XXXX, I called the supervisor of the collection agency who informed me that he never received any communication from the original creditor regarding the closure of this account even after the phone call on XX/XX/XXXX. 

On XX/XX/XXXX, I called the original creditor and asked to be directed to the woman who handles account closure but got her voicemail twice. On the same day, I spoke to another representative of the original creditor who told me the account has been closed as the debt has been paid off. She further suggested that I just needed to call the collection agency and tell them that the debt has been paid off to close my account. I reminded her that I had done so and kept getting nowhere as the communication for closure needed to occur directly between the original creditor and the collection agency. 

Please help me resolve this situation. I paid off my medical debt and just want this off my credit report. I'm not sure how to resolve this situation where the debt has been paid off, but the collection agency refuses to remove the account until the original creditor close it, while the original creditor claims they already closed it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has commited 2 violations against me. 
Violation # 1 Violated my FCRA Rights : These are my rights under the FCRA You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

3 letters were sent to Transunion and it was not until I submitted a complaint with the CFPB on XX/XX/XXXX, that Transunion answered on XX/XX/XXXX. Letter sent XX/XX/XXXX, they processed it on XX/XX/XXXX. Evidence will be attached on this complaint CFPB needs to make them comply with the laws. 

Violation # 2 Statute of Limitations Texas Law Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. 
This debt that Transunion is reporting is from XX/XX/XXXX it is an expired debt. 

I am in total disagreement with Transunion investigation response. The incorrect items listed still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. Please have Transunion delete this inaccurate information.

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 2019-10-20
Company: Experian Information Solutions Inc.
State: GA
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-07-13
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX- XX/XX/XXXX XXXX -Inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX CORELOGIC CREDCO XXXX inquiry date XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date. XX/XX/XXXX XXXX - XXXX date XX/XX/XXXX XXXX XXXX date. XX/XX/XXXX XXXX I have reached out to the company they said that I have given authorization to pull my credit i did not. I am not aware of the inquires that are listed above. Therefore I have disputed several times with the credit bureaus and they refused to remove the unauthorized inquiries listed on the report. 


I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX 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 2020-04-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a threatening letter, arrest warrant will be issued today if you dont pay {$300.00} to us by end of day. I would have to purchase a prepaid card and send to them. By taking a picture front and back. Then the would send me a letter stating its paid in full ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wells Fargo keeps claiming that I, or someone who was authorized, was the one who made a XXXX charge on my account. Neither is true and I did not authorize this XXXX transaction. The transaction was made fraudulently and they are not taking any action to protect me. Below is the original message I sent through CFPB - Complaint ID XXXX -- On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. The case number is XXXX XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXX ON XX/XX/XXXX REF # XXXX {$950.00}

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 2022-03-17
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:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and accounts the do not belong to me.

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 2017-02-09
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On XXXX I went into XXXX of XXXX, I wanted to trade in my XXXX that I purchased there almost XXXX years prior. I was having anxiety driving the SUV because it was too wide and I kept scratching it. I was always driving it to my medical appointments in XXXX and the parking garage was always a nightmare for me. 

I was diagnosed with a XXXX in XX/XX/XXXX and I found the SUV overwhelming. I had XXXX so I thought that a XXXX would be easier for me XXXX XXXX. Of course I know sales people are there to make money. And they did make plenty of money off of me. I was at the dealer for over XXXX hours. I was in a total state of XXXX, I could not even remember the terms or the pay off, and the downpayment amount they were contributing with via promotions kept changing. 
I just knew I could no XXXX XXXX the SUV and I had to get a smaller vehicle. I had no choice. I had to feel safe driving. 

I called and emailed them several times to let them know that the lease/loan that I received from them was causing me a great deal of anxiety and that I felt very confused about the lease. I had never leased a vehicle before. I continued to be confused and have major XXXX. So I called again to see if there was any way to purchase the vehicle because I did not want to pay {$830.00} a month for a vehicle I would not own. 

Since then my medical XXXX has become worst. I can only work 3 days a week. I was diagnosed with a XXXX and I also have a XXXX called XXXX It is when your body makes too much XXXX and it gets trapped in the XXXX and causes XXXX. The XXXX builds and affects every part of the XXXX. Major side effects are XXXX, XXXX, XXXX, XXXX. I feel this is a huge reason why I just did not understand the loan/lease situation. I just knew that I was so freaked out driving the SUV. So I was very very confused and overwhelmed and they kept me there for XXXX hours. It is documented that both my diagnosis affect judgment and can cause great XXXX. I have all the medical documentation as well as all the XXXX and XXXX and XXXX that I have had to endure. This diagnosis has created a lot of stress in my life. I tried to get help from XXXX but they ignored me. And I feel this is a very serious and unique situation. I am also on a medication the controls the XXXX fluid, however the side effects also cause XXXX and easily confused and overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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 XXXX  Account # 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 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian his not disclosed how it investigated this information however now after my dispute has concurred that the debit is fraud but still refused to deleted it my credit report, the debit is identified as : XXXX XXXX XXXX XXXX Account Number : 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 2015-12-29
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I am enclosing a letter I received today on an Experian letterhead I believe to be a fraud. I tried to contact the Experian credit reporting bureau through the first XXXX # mention in the letter which is legitimate, but could not talk to a live person. I became suspicious and did not contact the second XXXX # in the letter. I have a security freeze, a precautionary measure, an all of my credit reporting agency accounts and even I can not access them without my pin # 's. I believe this to be a fraud. How do I contact an Experian live person to check on this, or get assurances that no one has been able to access/change my account?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE.

USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

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 2022-07-13
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm demanding validation of the debt I alleged owed XXXX pursuant to 15 usc 1692g to Professional Financial Services and XXXXXXXX XXXX XXXX. I'm making it clear I completely disagree with this alleged debt with communication in connection with debt collection 15 USC 1692 ( c ) .I disagree you are the original creditor 15 USC 1602. I'm disputing the entire amount. Your company shall cease and desist harassment pursuant to Fair debt collections Practice Act 15 USC 1692 ( c ) ( d ) ( e ) ( g ) ( k ) ( f ) ( I ). You must rebuttal my affidavit with evidence. Please keep in mind that statements of credit are not proof of a creditor nor is it proof that any transaction took place. Because I am the only party to this transaction I am the only one who verifies whether the information you provide is accurate or not.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
" I have several hard inquiries on my credit report, I've sent several disputes, these inquiries are fraudulent and I want them removed. '' Quickly.

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 2016-06-24
Company: COMPUTER SCIENCES CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i 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 explanation
Consumer complaint received 2015-08-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used XXXX to request my XXXX free credit reports online. XXXX and XXXX provided the requested credit reports immediately. Given the same information, Experian 's response was " We are unable to process your request. Please call us at XXXX XXXX XXXX XXXX. " Eight days later I tried again to get just the Experian credit report on annualcreditreport.com and received exactly the same response. Attempts to use the Experian phone menus were unproductive and frustrating and at no time was I offered the opportunity to speak with a human to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contacted Experian on the phone because it would not allow me to dispute an address online. I called several times to dispute an address that is incorrect and does not belong to me. They refuse to remove it from my credit report. This address belongs to a family member and I do not live there.

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