BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw that I had a derogatory account with AFNI INC for a  bill from XXXX XXXX XXXX reported on XX/XX/2020. I called them to dispute it, but they would not remove it from my credit report. The total amount was {$340.00}. 

I then called XXXX XXXX XXXX and got a number certifying that it has been paid. That number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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: Account status incorrect

Complaint:
I have filed a complaint against XXXX and Transunion on reporting information incorrectly and the issue has not been resolved. I have contacted the credit bureaus and made sure they had my personal information which they stated they needed my address in order to correct inaccuracies. While looking at my credit report I noticed the following accounts had a discrepancy in the account status. The accounts are reporting as open which obviously an account that has been sent to collections should not be listed as open and is not under FCRA  compliance. Because of this apparent neglect in assuring everything in my credit report is accurate, consistent and up to date please delete these items immediately. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-18
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I contacted Lincoln Automotive Financial Services for a lease payoff on XXXX occasions. I was quoted a dollar amount. When the dealer called to confirm the payoff amount for my early lease termination, he was instructed to call the dealership I leased the vehicle from ( XXXX XXXX XXXX in XXXX ). The payoff amount quoted was {$1000.00} higher. I contacted the dealership and was told this was due to the early termination fee the dealership charges for terminating the lease early. I was not returning the vehicle to the dealership, it was being purchased by a new dealership. He could not substantiate what this fee included and when I complained, he agreed to lower the amount to {$500.00} ( which he stated was the early termination fee charged for customers who leased another Lincoln ). I reviewed my lease agreement and it does not state an early termination fee. There is only a warning that a substantial early termination charge may be incurred. I terminated the lease XXXX payments early. The individuals I spoke with at Lincoln Automotive Financial Services never informed me of this fee or the requirement to contact the dealer for the exact payoff. I believe this early termination fee is excessive and should be clearly stated on the Lease Agreement in order to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Financial Credit Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ARA XXXX XXXX and others continue to call me regarding a debt I do not owe. They call and hang up serveal times during the day. I have asked repeatedly that they remove my cell number from their contact list as I am not the person they are seeking, I am on a do not call list that is verified and valid. They ask me to verify the Social Security Number, Credit Card information and other identifiers of a person they believe to owe the debt. I can not and refuse to do so in any capacity. They told me the calls will continue. This is wearing on my nerves and causing me XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been contacted repeatedly by the company, Asset Recovery Services. They have informed me that if I do not pay the debt that they claim I owe then civil lawsuit action will take place.They claim that this debt is over seven years old and when I inform them that they can not legally sue me for this debt they become increasingly agitated and unprofessional. They have claimed that they will come to my place of business but have not stated their intentions for that. I have requested that all communication be in writing and to no longer call me and they have refused this request. I have attached an email, the only thing in writing that I have received so far. In this email our discussion is referenced and the term settlement is used. At no time did I admit to ownership of the debt nor did I agree to pay any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EZCORP, INC.
State: NV
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have had to pay around XXXX or more in interest to EZ pawn on my loans. I took out a XXXX loan that costs me XXXX a month on the extension and a XXXX loan that cost me XXXX per month on the extension on top of the XXXX interest no a 3 month loan. I have had to repawn my stuff over and over and am loosing all of my jewelry. I feel that I am being overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: MI
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  has opened an credit card that I did not open, they did no diligence in verifying address 's that i have never lived at or near. opened the account and added the address to my bureau and have not worked to remove and close said account in a timely manner

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 2022-03-24
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: Reporting company used your report improperly

Complaint:
A charged off XXXX XXXX account is reporting my credit report that never belonged to me due to Identity Theft. The amount is {$250.00}. I don't let accounts go unpaid, I can spend {$250.00} on a dinner, so if it was mines I would've just paid it no problem. My credit has no unpaid accounts. This account is fraudulent and needs to be removed immediately from my credit report. 

I Have Never Lived At The Address Associated With This Account. The service address is stated as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX I have never lived there ever, and I didn't start this account. My wife actually has been taking care of this utility service for our residence during the dates of this fraudulent account service at this false address so I wouldn't have needed this service to begin with. We had gas service at our real address during this same timeframe under her name. We never even lived in the county of this address during the dates of this service.

This matter was not properly investigated by this bureau. By the Fair Credit Reporting Act, this account needs to be removed. It is both false and inaccurate. My rights have been violated.

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 2022-03-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX {$1000.00} Collection account from Wakefield & Associates was on my credit profile resulting in a identity theft action that was not made by me. I tried working to sort out the debt and have it removed or verified with my signature to prove that I am the rightful owner of the account they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Professional Debt Mediation, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lease my unit ( XXXX XXXX XXXX XXXX XXXX ), with the options of either 8 months or 12 months w/1FREE month ( as per XXXX XXXX-Asst. Mgr of XXXX XXXX XXXX XXXX. ). The contract was supposed to be corrected to XX/XX/XXXX - XX/XX/XXXX ( As per XXXX XXXX 's confirmation email/call ). XXXX kept pushing for me to do a 12 month lease ( w/1month FREE ) and she confirmed that it was my decision to extend to 12 months during my tenancy-if I chose. Upon my move in, XXXX told me I would just need to put it in writing and inform the rental office if I chose the XXXX opt, to receive my 1 month FREE. It was not until much later in my lease term that I found out XXXX XXXX was arrested for child abuse and incarcerated. At XXXX point I did consider extending my lease to a 12 month term, but in XX/XX/XXXX I found mold in all of my window seals upon my return home for XXXX. I requested maintenance to rectify this matter ( though they never showed up until after I departed for XXXX ), and I got very sick. I had to travel to XXXX and I did not return home until XX/XX/XXXX, only to find a reoccurring episode of more mold growth in my windows. Therefore I chose not to renew my lease upon my departure XX/XX/XXXX. I sent notice to management XX/XX/XXXX, stating my intent to move at the end of my lease, as I gave notice XX/XX/XXXX and in person the XX/XX/XXXX. Only then XXXX XXXX - property manager began falsifying the required notice for move out, threatening to sue me if I moved XX/XX/XXXX, and she confirmed that my 60 days will be up XX/XX/XXXX. Proper notice by law requires a 30 day notice at the end of the lease. There was a high turnover rate at this apartment complex due to the mold infestation numerous break-ins lack of security and other problems as reported on the Internet into XXXX County XXXX XXXX XXXX officials. Also a new apartment complex opened across the street from the haven in which we the tenants sought residency. This is nothing more than a desperate attempt to gain revenue and forced me into a longer lease term. Noteworthy I was living in the unit in XX/XX/XXXX, but no court action was ever filed seeking unpaid rent or eviction. I requested an exit walk-through that the rental office ignored and refused to show up, which I videotaped had an inspector out and I took photos of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-03-14
Company: Experian Information Solutions 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:
I RECENTLY PULLED A EXPERIAN CREDIT REPORT. ON THIS REPORT I NOTICE A COUPLE ITEMS THAT DON'T BELONG TO ME. MEDICAL ACCOUNT # : ( XXXX ) BALANCE : {$380.00} OPENED : XX/XX/XXXX, XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ) BALANCE : {$1100.00} OPENED : XX/XX/XXXX. IN ADDITION TO THES ACCOUNTS THERE WHERE ALSO A HOST OF INQUIRIES THAT I DID NOT APPLY FOR OR AUTHORIZE ANYONE ELSE TO APPLY FOR OR USE MY CREDIT IN ANY SHAPE, FORM, OR FASHION. I AM A VICTIM OF IDENTITY THEFT AN NEED THESE ITEMS REMOVED FROM MY REPORT AS SOON AS POSSIBLE. 
INQUIRIES : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX   XXXX XXXX XXXX XXXX ( XX/XX/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 non-monetary relief
Consumer complaint received 2015-09-11
Company: Central Portfolio Control Inc.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
These people keep calling me about an account I never opened. They say they are going to send me a letter with information about disputing the debt but it never comes. They 've also given me different dates it was opened ( they originally said XX/XX/XXXX but changed it to XX/XX/XXXX after I told them I paid off all my cards in XX/XX/XXXX ). They 've also given me a different balance amount every call from {$580.00} to now {$5500.00}! It 's so obviously a scam but they keep calling and the man who was just on the last call was so rude I had to hang up on him. I 'm shaking and upset. I ca n't take this anymore. I wo n't pay for something I did n't do. 
I paid off all my credit cards 10 years ago!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: United Shore Financial Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
My forbearance plan was over I called in for my options and they told me I was reported 180 late because I called after the forbearance plan was over. I called the month the plan was over. This makes no sense that they can missed up my credit when I was never late on anything. The servicing XXXX is uwm XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical debt online to the California XXXX XXXX and a confirmation email receipt was received. Neither the collection company nor the original debtor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) would honor the receipt, despite proof of payment. The debt company representative called me and he threatened to " destroy '' me and ruin my credit and said " You 'd better give me your information and pay or else I will destroy you! '' He continued to harass and me and frightened me. I was concerned for my safety. Of course I did not want to give him any additional personal information. I was shocked by the call. I contacted XXXX XXXX ( hospital ) and told them what happened and they said they would not allow California XXXX XXXX to contact me anymore and they asked for the email showing proof of payment. I provided the email with proof of payment many months ago and I am now again receiving collections letters from California XXXX XXXX demanding payment with interest. I do not want to contact them again to try and resolve because I am afraid of continued harassment and that they will seek to destroy my credit, and for a debt I paid. I 'm also concerned XXXX XXXX is not working productively with their contractors and are hiring unprofessional contractors who harass and threaten people to collect debt, and then XXXX wo n't accept their financial payment verification and are now asking for XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received calls today from Direct Recovery Services, XXXX different numbers from XXXX different states all stating the same thing. 

" Up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process if you call today. Again you have only today to rectify this matter. Please advise. You must call by XXXX today Wednesday XXXX XXXX at XXXX. Again we must hear from you or council immediately no later than XXXX today at XXXX. To be connected to a representative press XXXX now. This is a final urgent message. This matter is private and confidential. If this is not XXXX please hang up now. Again this is a final call for XXXX only. If you are not XXXX. You must hang up now. This is your final call. This is XXXX (? ) and your failure to respond has resulted in your file being! audited. This call is to inform you that although your file was processed on Monday XXXX XXXX. Our client will allow us to resend this process .... '' Message received on XXXX/XXXX/2016, XXXX ( XXXX ). Length XXXX seconds. 

This is a print out from my father 's voice mail which is the same that I received. I called this number back and was directed to a male who was very unprofessional. Raising their voice and saying things such as and I quote " If it were me I would get off the couch and pay the bill '' as if to imply that I am just being lazy. These practices are against the law. I have not received anything in writing. Only phone calls threatening legal action. I have requested written documents but have not ever been given anything.

Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have paid 15 years on this mortgage without a problem. This loan was originally with National City Mortgage which PNC bought and is now servicing the mortgage. We have had no problems in paying the payments online until the XX/XX/2016 payment was due and we found out that we can not pay it unless we set up an account with PNC Bank. It is stated in there website that all person wishing to keep paying online must set up an account in order to make payments. We are against this action as we would not be able to track our funds applied to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had autopay set up on my account with my Bussiness XXXX XXXX and credit acceptance new policy said it no longer take Bussiness card payments of XX/XX/2020 which I wasnt aware of so there for my payments wasnt being made I called in XXXX to pay the account in full and still wasnt told my Payments was late or anything I recently check my credit report and sees they put I missed 6 months of payments back to back which was false I try contacting them serval times finally spoke to someone who said just fill out the dispute form and put covoid 19 and we will remove the late payments lies lies lies my account is paided in full XXXX XXXX years early and they wasnt please and not tryna make me pay by reporting it to all three credit bureaus which is not my fault at all i tryed working with them and all still nothing Smh

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 2022-07-19
Company: Garrison Investment Group
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:
I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation