BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-10
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I 've recently checked my credit report and I came across a collection agency name XXXX XXXX XXXX. I never gave XXXX XXXX XXXX permission to have access to my personal information. XXXX XXXX XXXX is VIOLATING HIPPA LAWS. XXXX XXXX XXXX could not send me VALDATAION with My Signature of this account ..
This account is UNVERIFIED ... I need VALIDATION of this account NOT VERIFICATION..
If this account is not deleted asap I 'm going too filed a claim with the BBB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied American Express Platinum charge card this XXXX and spent XXXX dollars in 3 months using this card. I got XXXX membership rewards points as the bonus in XXXX. 
But American Express took the XXXX points from my account without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2020-06-19
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/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 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 obtain my credit report and noticed several accounts i did not authorize

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 2017-07-10
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:
After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.

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: Experian Information Solutions Inc.
State: AL
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:
It's really weird how these credit bureaus reporting me as late on these accounts I want you to investigate these accounts. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 

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 2022-04-20
Company: EQUIFAX, INC.
State: TX
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:
Delete the following from my account immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Equifax has violated my rights.

15 U SC 1681 section 602A 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any oth
er adverse item of information, other than records of convictions of crimes which antedates the report by more than several years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitted disputes about fraudulent information on my credit report. the credit bureaus are delaying and not giving my identity theft the serious attention it deserves

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. 
tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit 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 2022-04-20
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX to Gregory Funding. At the time my loan was transferred to Gregory Funding, it should have still been in forbearance. I applied for a modification with them, but I have not gotten an approval as yet, so therefore my loan should have remained in forbearance. 

However, on XX/XX/XXXX I got a notice that I'm in Loss Mitigation, which is incorrect. It said that I was more ten 4 months behind. I can not be in forbearance and loss mitigation at the same time. I should not be in Loss Mitigation because my loan should still be in forbearance until I reach a loss mitigation agreement with your company. I spoke to a manager XXXX today XX/XX/XXXX who advised of my monthly payment due in the amount of {$940.00} -- he also said my loan was out of forbearance for which I have received no written notice. The person working on my account is XXXX XXXX who I have not been in contact with. Per my conversation with XXXX, I intend to make that payment immediately. Therefore, I need Gregory XXXX to present a Loan Modification agreement which takes me out of forbearance. 

In addition, I need my account updated to show that none of my payments should be listed as late as I should still be in forbearance. 

It is very difficult to get someone to speak to at this company. There is a lot of conflicting information given and other times a complete lack of communication. If I do get a chance to speak with someone at this company they give me misinformation. I need these discrepancies rectified. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX I called XXXX Barckleys about the promotion they offer me about balance transfer to my checking account, I spoke with someone from XXXX to process my request, she asked me if I am ready to accept balance transfer, I ask her what account number you have, she said tell me your account number, I told her three times and I ask her to repeat the account number to me, she said it matches the number I have but I cant repeat to you because of security reason, I never receive the money and they charge me to my credit card and they want me to pay.

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 monetary relief
Consumer complaint received 2022-10-16
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told when I spoke to the company in XXXX when I was told I needed to reapply for my income repayment plan before it expired, but apparently I did not need to do it because of the presidents order, but they sent me a notice that said I needed to do it or I would have to pay the whole monthly payment instead of the income based payment in XXXX when it came due. I did it and it said my new payment was about {$500.00} and it would be due in XXXX, so I called because I should not have to pay until XXXX again because of the new order. I was told my last company took me off this kind of deferment, which I do not know how that is possible since it was a blanket decision. I was told when I called they put back on it and not to worry about paying until XXXX. Now I have an overdue notice that shows I owe {$1000.00}. XXXX is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Dear Sir/Madam : In past years I have been a customer of Springleaf Financial. I have had serveral loans which I paid on time, or paid off early. Applying for a new loan, I was denied. I feel that they have discriminated against me, for they have no valid reason. Since I had ALWAYS PAID Springleaf they have no justification of denying this small loan of {$2500.00}. 
Therefore, they are granted a license by the state and federal government agency to help people in time of need. As you are aware 26 % is no bargain. 
I am requesting that this matter be looked at. 
Thank-You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
it is automated they just say to call but do not relinquish a name who they are calling for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: WI
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:
I'm to understand that XXXX XXXX XXXX operates XXXX  XXXX XXXX. 
I've been battling with XXXX  XXXX XXXX and the company they sold the account to before bankruptcy, XXXX XXXX XXXX. They are reporting inaccurate information to my Experian Credit Report. I've asked repeatedly for this to be fixed or for the account to be deleted. XXXX  XXXX XXXX  has contradicted themselves by saying it is XXXX XXXX XXXX who is to fix issues, but when told that XXXX XXXX XXXX states it is XXXX XXXX XXXX that is reporting the inaccuracies, XXXX XXXX XXXX changed their story while continuing to refuse to fix the issue. 
By refusing to comply with the FCRA and fix the inaccuracies or delete them, my consumer rights are being violated and violations of the FCRA are being committed. This needs to be resolved. Predatory companies like this, should be put out of business when they don't abide by the law.

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 2015-11-25
Company: United PanAm Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I traded my XX/XX/XXXX F150 XXXX. They financed me for a XX/XX/XXXX XXXX Corolla. My old finance company is United Auto Credit. They have called me every day in regards to my payment. I explained to them I do not own that vehicle anymore. I told them XXXX XXXX will send them the payoff. They continue to harass me daily. I just got off the phone with United Auto Credit as they admitted talking with XXXX XXXX XXXX, yet told me until they receive a payment the calls will continue. Let it be known I have never missed or been late on a payment. 

When I requested to speak with a supervisor they only sent me to a recording. I can not seem to get them to work with me at all. I did speak with XXXX XXXX about the issue. They insured me it will be paid, as I trust it will be. I know there is a process the bank has to take before sending a check. I do not want any bad di gs on my credit do to some underground lender like United Auto Credit. As I did some research on the XXXX, I noticed that I am not the only XXXX having similar issues. At the interest rates they are charging the least they can do is work with someone. Especially when you have dealer that size paying off your loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05
Company: United PanAm Financial Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2015 my auto finance company contacted my landlord and informed him they were looking for my vehicle and gave specific color and model. Also advised him it was delinquent and they would get a court order to enter the garage to retrieve it. On the same day they also contacted a reference asking them to relay a message that they were calling about my vehicle that is past due. When I called to speak to customer service they advised when a loan is delinquent, they are allowed to give out this information in effort to locate and retrieve the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: Financial Corporation of America
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I paid the account with the XXXX XXXX they are collecting for. When I spoke to a lady named XXXX she advised she would send an email stating that the debt had been paid and would be removed from my credit report ( I am buying a home ), when I did not receive the email I spoke to her supervisor, XXXX and he advised he could not remove the debt. I told him that was a lie because she told they could and I have had a previous medical collection with XXXX that was removed once paid. He lied and said that could not be done, even after I know for a fact it can and his collector told me it would as well. I need this removed ASAP for my credit report as promised by the collector named XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Choice Recovery, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-13
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: AMERICAN HONDA FINANCE CORP
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 In XXXX of 2022 I applied for credit with Honda Finance. I was denied credit and on XX/XX/202 I asked them to reconsider because of XXXX well known reporting problems. 

It appears that Honda Finance ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with Honda Finance and XXXX with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told Honda that they had run my credit a second time within their 30-day grace period. This grace period was explained by Honda that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the Honda executive that my credit was in fact run a second time in the 30-day window. Honda told me that it did not show on their files and told me that I should question XXXX and the 2 would resolve it. A copy of my XXXX inquiry record is attached. 

After I submitted complaints to XXXX over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called Honda and got nowhere. It seems that Honda Finance and XXXX are incapable of resolving this. 

I have attached some of the responses that I got from XXXX in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against XXXX are taking 30+ days and still have not been resolved.

Herein, I list the complaints related to Honda Finance and XXXX : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation