BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My name is XXXX XXXX and I financed a XXXX XXXX XXXX for {$16000.00} using Exeter Finance back in XX/XX/XXXX. At the time I needed a car really bad as I had an XXXX  child and a XXXX year old who I had to transport back and forth to school and daycare. I was advised that the loan was for 72 months with a monthly payment of XXXX. I have made 70 payments in total plus interest and fees applied. I struggled making the payments as I really could not afford them but needed a car. As of today, I have paid a total of {$29000.00} towards this loan. My account shows that I still owe {$5900.00} and if it is not paid by XX/XX/XXXX they will repossess my vehicle because I have reached my maturity date. I don't understand how they can do this to a consumer especially during this pandemic. They will not work with me unless I come up with XXXX  which is ridiculous considering how much I have paid them. This is not right to me as a consumer and this is really bad business on their part. To collect this much money from me and threaten to take the vehicle. I need help and I need soon as this is the only transportation that I have to find work. Exeter Finances XXXX  rating has been revoked and Attorney General of Massachusetts filed and won a lawsuit against them for offering bad subprime loans. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid a credit card deposit of {$200.00} for a secured credit card. I closed the account due to the fees assessed to my account during my financial hardship. I received calls regarding my account, during my unemployment period. I was actively seeking employment, and once I found a job I called the company to see I could arrange for a settlement. Once I reached a representative, she stated to pay them off would be a total of {$170.00}, after my initial payment of {$25.00}. After making the payment of {$25.00} I received a statement stating my total balance that was greater than the {$170.00}, I then spoke with a representative earlier this week XXXX/XXXX/15, and was told that there is no settlement agreement on the account, and that to bring the account current I needed to pay, {$230.00}. Which is way more than my deposit, and I was told that my deposit was already used toward my balance, which makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-27
Company: Jim Bottin Enterprises, Inc
State: CA
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:
I 've tried to cancel the membership based on a bad experience and I 'm not allowed to cancel it, I 've been to the establishment only once and they will not let me cancel and I fear for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Solar Mosaic LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Signed an agreement for a reroof and Solar project with Solar Mosaic for $ XXXX on XX/XX/XXXX, construction company got paid by Mosaic $ XXXX on XX/XX/XXXX. On XX/XX/XXXX construction company abandoned the job started with not passing city inspection regulations, got a settlement by contractor insurance company but now Mosaic wants me to pay the full amount of the loan plus register a lien under my name with my property address on XX/XX/XXXX even before project was approved by the City, Mosaic is letting construction companies to used fictions names and using consumer to scam business insurance and customer, Mosaic is using construction companies that arent following the CSLB regulations. 
So now I have a house with an unfinished roof Lawyer expenses Lost {$39.00} XXXX in damages in my house 38 panels that were never work, no inverters no connection with utilities Debt Collection $ XXXX Contractor company will removed panels abs keep them Mosaic wants his money in full Lawyer fee up to {$10.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EXPERIAN # XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX [ Experian, XXXX or XXXX address ] XX/XX/XXXXTo whom it may concern : RE : Credit Repair Accusation /suspicious disputePlease be advised that I have received your computer generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on [ XX/XX/XXXX ] by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me -- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. Please take notice that this letter dated XX/XX/XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter, '' thus giving you only 15 days, not 30 more. I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: AZ
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRY : XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-28
Company: EQUIFAX, INC.
State: AZ
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRY : XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a state tax lien against me which I paid against me on my credit report and first I started by talking to the irs they said they could n't help but would recommend it dropped because the IRS made the following provisions : Fresh start policy of the IRS. I meet all of the qualifications and eligibility, per the IRS notice on IR- XXXX, XXXX XXXX, 2011 and second I visited XXXX XXXX clerk in XXXX ny where the lien was issued and she was going to drop it but the report was efiled so she could n't and just told me to dispute it and I should be fine ... now if the irs and XXXX XXXX clerk are willing to drop this idk why experian has an issue with it.. I have just started trying to fix my credit and I have a kid on the way so I 'm trying to better myself in everyway for that so please any help on this will go a long way.. I have attached the efiled document and will be willing to give any info required

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 2022-05-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I have submitted these five different consumer complaint number list below XXXX, XXXX I have received three response letters from my servicer regarding my claims with almost the identical responses in each letter. 

The responses in the three letter are stating the same false claim ; " As your loan is backed by XXXX XXXX ( XXXX ), the modification guideline does not permit any future escrow disbursements to be included in the modification amount. " I have attached a document calling out XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) that clearly show that my servicer 's statements/claims are completely false. 

If CFPB has no-one capable of reviewing false claims make by a servicer and simply taking the word and position of a dis-honest servicing company then I am forced to pursue a class action lawsuit against the CFPB and my loan servicing company.

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 2022-05-28
Company: WELLS FARGO & COMPANY
State: IL
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 have contacted Wells Fargo Auto several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting Wells Fargo to respond to correcting this 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 2016-06-02
Company: Army and Air Force Exchange Service
State: AP
Product: Credit card
Issue: Delinquent account

Complaint:
Since XXXX XXXX, I have made payments to the Military star Card on time. Each time I made a move, I changed my address. In XXXX XXXX, I moved from XXXX to XXXX XXXX and I was receiving statements at my new address. Around XXXX XXXX I realized I was not receiving any statements from the Military Star card and so I decided to call the company and ask them why. I was told by the lady on the phone that they were sending my statements to my XXXX address even though I had been living in XXXX for over a year and a half. The lady said my statements were once again going to my XXXX address and she did not know why. I then changed that address again with her over the phone. She also informed me that I had a payment of {$44.00} due so I immediately paid it off with her over the phone. I have been receiving my statements at my XXXX address ever since. 
When I pulled a credit report recently, it showed that I have a 30 day and 60 day late payment with the Military Star card for a time period where my statements were going to 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 2022-05-28
Company: Experian Information Solutions Inc.
State: IL
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 have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and Experian credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this 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 2022-05-28
Company: EQUIFAX, INC.
State: IL
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 have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my Equifax and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
A former bank teller at Capitol One stole {$5000.00} from me years ago and quitCapitol One wo n't find the last name of the crooked teller that would take 20 minutes and commits a cover up for years on this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$510.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$480.00} INQUIRIES : 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 Balance {$510.00} XXXX XXXX  Balance {$480.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2016-05-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On Friday, XXXX XXXX, 2016, I submitted an Identity theft report to Experian. On This account was documented in the Identity Theft report that was provided to Experian on XXXX XXXX, 2016. The account in question was for a collection company called XXXX XXXX XXXX. On XXXX XXXX, 2016 Experian removed this account. 
On XXXX XXXX, 2016, Experian added a collection account from a collection company called XXXX XXXX XXXX. XXXX is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police 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 non-monetary relief
Consumer complaint received 2022-05-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX trying to collect a debt that was charged off due Original Creditor Santander got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. Thanks

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 2021-11-10
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WE HAVE BEEN ON THE DO NOT CALL LIST SINCE XX/XX/2003. PLEASE ALL THE SPAM CALLS STOP.

Company response to consumer: Closed with explanation