BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-05
Company: Coast to Coast Financial Solutions, Inc.
State: LA
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:
Debt should have never gone to a collection agency because there was no debt. XXXX did not know anything about this until I was getting a loan at the bank I have excellent credit. When I saw this collection from coast to coast for XXXX I investigated and found out alarm services turned in a collection saying I owed them XXXX for a digital monitor the equipment. I gave proof to them that both the monators were sent back and signed for by them on XXXX/XXXX/2014 with XXXX. serial numbers XXXX and XXXX Then the collection sent me an invoice trying to collect for it going to the collection agency which it should not have gone in the first place of XXXX saying this is a settlement offer. I told them that I was not going to pay for something that should have not gone to them in the XXXX place. Then they send me another invoice from coast to coast for alarm monitoring services for the amount XXXX that they are saying I owned them again. In the XXXX place I never got notice of oweing them anything in 2014 then they said it was for equiment they did n't get which I proofed to them they got which XXXX of there equiment was in XXXX package, how did they get XXXX without out the other, then they said it was canceling without notice which I gave them notice. This company has messed up my credit with there lies. I have all the paper work with this if you need it I can mail it to you I do n't know how to put it on here. I sent this to the XXXX and made a complaint to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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: Account information incorrect

Complaint:
I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.

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 2020-10-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding a regular consumer dispute. I am very stressed I have been sending letters before filing this complaint and still no response.

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 2020-04-01
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The online reporting portal states the account bearing the credit profile with my name has been suspended. Why do I not have access to what's being reported? The username and password are correct.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1. unable to lift a security freeze with Experian 2. Extensive phone wait times 3. No option to speak with a representative/automated options that don't apply 4. different information/guidance provided with different agents 5. no resolution 6. issue now delays/impacts refinancing

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 2016-10-25
Company: Oxford Law, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have an old outstanding credit card debt that I am currently paying to a debt collector, XXXX XXXX XXXX XXXX on a monthly bank draft for {$150.00}. The debt collector assigned to my account will call me to attempt to close out the account with an agreed amount, which I have not been able to do. If I do not answer the phone for any reason, he immediately calls my sons, wife, and an old business partner which have nothing to do with my debt. I 've tried to reason with him and have told him to stop calling people who have nothing to do with this, but he persists and continues to call them, actually calling XXXX of my sons this morning three times within a five minute period on his cell phone. I want this to stop. I have an agreement with them, and I 'm doing my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Receivables Management Associates
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
This is now my XXXX time filing a complaint. Military personnel are eligible for SCRA benefits starting on the date they receive active-duty orders. A refund for the difference paid in interest between the 4.77 % and 3 % was not sent to me for the entire time I have been XXXX XXXX. The refund amount only reflected from the time I submit the benefit claims. Therefore, the correct refund has not been awarded. I paid the car off XX/XX/XXXX, my SCRA benefits were approved in XX/XX/XXXX with this company. I've been XXXX XXXX since XX/XX/XXXX, therefore the refund amount should reflect the interest between 4.77 % and 3 % from XX/XX/XXXX, not XX/XX/XXXX! It's a {$78.00} difference per month as mentioned previously. 

Every other company I have ever encounter has honored the policy, I do not understand why it took over a year ( after the car was paid off ) and a complaint for you all to respond. 

Also, I requested to receive a new check for the previous refund because my bank, XXXX was not able to process the check through their ATM Deposit. I requested a new check over a month ago, and have been told multiple times that I would receive a check in the mail and have not received it as of today. Any other company would have sent the new check by now, however, I keep getting the run around, once again.

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 2015-06-09
Company: Capital Accounts, LLC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was contacted by a rep of Capital Accounts at XXXX on XXXX/XXXX/2015. I talked to the rep, told him I was disputing the debt and would be calling the original creditor. I called the XXXX to which the debt pertained and got a recording that they opened at XXXX. I then realized that I was contacted too early and called Capital Accounts back to complain. I informed the rep that he contacted me too early and that it was an FDCPA violation and he asked what law he broke. I told him " FDCPA, fair dept collections practices Act '' he then said there was no such law. I informed him there was and he was in violation and asked for a supervisor. I then spoke with a supervisor, XXXX XXXX, who did not apologize or acknowledge that my rights had been violated. He told me that I was in central time zone. I told him that I was in mountain that my address and phone number, though different states, are XXXX from mountain time zone. I asked for another person above him to speak with and he said they would call me back. When I did not receive a callback I contacted them again to write a written complaint and asked for their company information. I specifically asked for their company name, phone number, address, and website. The rep told me she could not give me that information and would transfer me to a supervisor during which time I was hung up on. I called back again to get the information and the rep refused to give me the information as the original creditor had already contacted them and there was no longer a debt to dispute. I told him I was not disputing the debt I wanted his companies contact info. After repeated requests he finally gave me the info. When I asked how to Spell Capital he laughed at me and said with a C. At this point I was at my whits end and I did inform him that capital is spelled capital or XXXX and I did curse at him due to my frustration. I have recorded all of these conversations is they would be of use during this investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-04-13
Company: EQUIFAX, INC.
State: IL
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 Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a dispute letter to Transunion and XXXX to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent TransUnion and XXXX a receipt showing payment made and agreement of the settlement. TransUnion sent me a letter back stating verified as accurate and updated XXXX the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.

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 2017-03-17
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Southeast Toyota Finance has been contacting me about a deceased friend 's account and presumed debt. They had a representative hand deliver a letter to the former address of the deceased and I allowed the rep to photo copy his death certificate which was given to me as friend/informant since there are no living relatives. The rep told me that I would no longer be contacted. Two weeks later, I keep getting calls which I do not answer from SETF. I have asked them to stop. As a matter of fact, they never leave an extension number. So I will assume this is fraudulent activity. The deceased was XXXX years old. The deceased friend left no estate and I am not an executor as such. I never signed a lease or a contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX attempted to collect on a debt through XXXX. I did not know anything about this debt and disputed it with all 3 CB. It was DELETED. XXXX XXXX then sold the debt to XXXX. I called XXXX XXXX  directly to get the original date they placed the debt on my credit report and they wanted a pass code ( I do not have it, bc this is not my debt! ). They refused to give me the information. They are placing information on MY credit report, then refuse to give me copies of the information ( allegedly about me XXXX regarding the debt. I can not dispute something I have no knowledge of or information on. When I asked XXXX if THEY had the original date from XXXX the answer was NO. If a creditor posts information on your credit report, you should be able to contact that company and get ALL the information available, yet they want passcodes etc to hide information. There is alot of fraud going on and XXXX XXXXs not being responsible.

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 2015-11-05
Company: SUNTRUST BANKS, INC.
State: DC
Product: Credit card
Issue: Convenience checks

Complaint:
SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Wife lost her {$95000.00} job due to a XXXX. 

I filed a Loan Modifications and Select Portfolio Servicing, servicer of our Loan is forcing us to sign a 7 % Loan Modification, when the Prime Rate is now at 0 %. 

Since I will not agree to the 7 % Loan Modification, Select Portfolio Servicing is Foreclosing on my Property. 

I need help, so I can get this Hardship Modification complete. 

Thank You, XXXX XXXX XXXX ( XXXX  ) XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.

Company response to consumer: Closed with explanation