BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, a collections amount of {$3700.00} was added to my credit report from a company called Genesis Credit Management, under the creditor " XXXX XXXX ''. Indebted account was listed as opened in XX/XX/XXXX I do not recognize the owed amount, the debt collector, the creditor, nor the time that the debt was initiated. I believe this was a fraudulent collection added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I've been trying to make payments on my car, the car dealership who financed me isn't allowing me to do so causing interest to accumulate. I have also been getting charged {$90.00} added to my account for not having full coverage insurance when I do have full coverage insurance.So During this process my car was stolen and now the dealership won't even return my calls after I reported it stolen they made it clear they were going after the insurance check. The company auto now financial is responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax data breach has put me at heightened risk for identity thef.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am reporting identity theft. I pulled my credit report and noticed I have items and accounts that are fraudulent and I am requesting for it to be removed 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 2018-09-17
Company: Navient Solutions, LLC.
State: VA
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:
Navient took over my loan servicing a couple years ago. For the last two months they significantly increased the amount they withdrew from my account without notification. My repayment, which was on an automatic repayment schedule, increased from {$76.00} to {$300.00}. This dramatically affected my monthly budget which was already well planned due to XXXX kids. 

When I called and asked why my repayment shifted so dramatically, they did not address my questions. I was ahead on my payments. I paid on time. But they effectively changed the terms of my loan and violated the promissory note. Had I continued to repay the loan under the new payment {$300.00}, it would have been paid off sooner than the agreement stipulated. They offered no reason for failing to notify me of changes to my repayment plan. 

They were unable to explain why my payments increased, given this was a flat rate loan repayment program over a fixed term.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: CHECK INTO CASH INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The CBE Group ( Collection Agency ) sent me a letter stating that I owed money to XXXX in the amount of {$950.00}. I have never shopped on XXXX. The company indicated that the debt was from XX/XX/22. I do not owe XXXX any debt. I suspect this is a result of identity theft. More importantly, the letter did not even state what I was supposed to have purchased from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NC
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 submitted a complaint last week and noticed that the following items are still on my consumer report. I have attached my I.D . and social security card for proof of my identity as well as my FTC report. According to 15 U.S. Code 1681c-2 you have four days to delete this information. I'm demanding that the following items be deleted from my consumer report because I did not give you permission or authority to put it on my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX US Department of EDU. I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Experian Information Solutions Inc.
State: IN
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 had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.

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 2022-01-19
Company: Webcollex, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is called CKS financial XXXX XXXX  XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX  ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card was used fraudulently XXXX XXXX XXXX at XXXX XXXX XXXX 's in XXXX in the amount of {$85.00}. My credit card company Capital One was informed and stated that I would be issued a new card and my account refunded. On XXXX XXXX I received a letter stating that the card had been deactivated, a new card mailed, and my money refunded. On XXXX XXXX I received my statement which showed the refund and it was also reflected in my available balance. On XXXX XXXX I attempted to use the money and my card was denied. When I called Capital One I was told that the money was on a 30-90 day fraud hold and was unavailable until the investigation was completed. This was not stated at anytime and I feel my money is being held fraudulently and should be made immediately available. When I have their money I pay interest however they are not offering to pay me interest. They refuse to provide proof that they stated 30-90 days even though I have provided proof of them saying it was refunded. One agent even asked me if I was the one that actually made the charges even though the charges were done in XXXX then immediately followed by a charge in Illinois and I live in Washington state and have never been to either place. That was insulting and unprofessional. I humbly request that you investigate this matter and provide relief as you see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am one of many that has become a victim of the EQUIFAX hack and believe that providing me with one year of credit monitoring service will not keep the hackers from selling my information to XXXX XXXX so they can steal my identity and cause me to become homeless. I am writing this because unfortunately you guys are the only ones honest and with the resources to correct this problem before it turns into a nightmare for the little guy!! Any info and/or actions you can provide will be greatly appreciated by me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I recently purchased a new XXXX XXXX in XXXX. On XX/XX/XXXX ( our first payment to Honda Financial Services ), my wife attempted to set us up for automatic payment and make the first payment. The system acknowledged it received the payment. Later  that day, the payment was reversed with no notice to us. On XX/XX/XXXX, a late payment fee notice was sent. My wife, on XX/XX/XXXX, called HFS to find out what happened. AHF waived the late payment fee because of the system error and took payment for a second time. Later that day, the payment was reversed again, with no notice to us. We saw the payment had not been withdrawn, and my wife attempted another physical call with HFS on XX/XX/XXXX. The payment was made, later that day, reversed. On XXXX, I was notified of a 30 day late on my credit report. XXXX called HFS on XXXX made a payment of {$1400.00} ( missed payment and current payment ). It went through this time due  to one of the HFS associates recognizing what happened and corrected it. XX/XX/XXXX next payment is processed and approved. The account is current. There were substantial bank account funds to cover the payment at every attempt that did not process for XXXX. 

I called HFS to discuss removing the 30 days late from the credit report. They refused to release the derogatory information from the credit report. When I asked for the information they based that decision on, they would not provide anything. And further would not allow me to speak with a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated personal information and update with current personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: WA
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:
HI, Experian is reporting a delinquent account that has included in a bankruptcy in 2016. I provided proof that the account was included in the unsecured part of the chapter XXXX filing with a chapter XXXX case number and location of filing. I disputed the claim again in hopes they will correct this error. I also called the collection agency and they said they never received discharge paperwork, how convenient. I showed them the required format the courts demand for proper mailing. I also provided proof that the format was followed perfectly. I am fed up with this delinquent account hurting my credit rating and causing issues with credit line increases. I hope this does not fall on deaf ears and something can be done. I filed, they got notice and just pretending they didn't so they can continue to hurt my credit. 

Thank you, 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 2017-06-01
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about  XX/XX/XXXX  I purchased a car at the  XXXX   XXXX   XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with  American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional  XXXX  dollars per month to use ). On  XX/XX/XXXX  I calle d American Credit Acceptance to  ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on  XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the  Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number  XXXX , was revoked in the State of California on  XX/XX/XXXX   ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of  California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.

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 2017-08-23
Company: EQUIFAX, INC.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, Equifax, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. Equifax, XXXX, nor XXXX  have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, Equifax, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: FL
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:
Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Entrata Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Rental Inquiry for wrong consumer Risk Level : High ENTRATA INC got a copy of your XXXX Credit Report. ENTRATA INC made a Rental Inquiry by checking your XXXX Credit File. XXXX XXXX also made an inquiry this two companies or d/b/a. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. Alert Details ENTRATA INC XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ( XXXX ) XXXX Rental history civil record was for a XXXX XXXX Case # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX this is fraud. I do not go by such name. The legal name is XXXX XXXX he should not have been denied as a consumer to rent an apartment based on inaccuracies. XXXX XXXX XXXX has no such derogatory record on his rental history record of evictions nor is their civil records of XXXX XXXX XXXX being taking to court by a property owner, company, or any other entity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation