BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead - XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.

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 2020-04-06
Company: National Management Recovery Corp. (NMRC)
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Would constantly call me and distant relatives and would not tell me what the call was about XXXX lies when I asked. They said it was about income when it was not. Tried to give me financial advice and told me to file for unemployment since we are currently in a pandemic. I told them I would report them for harassment since I have already verified that I am who they are looking for and they said they will continue to call everyone I know until I verify my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: PA
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 am writing about multiple issues, the first began in XXXX of XXXX, when I submitted the XXXX company to Experian Boost,  so I would be able to get a boost with my credit. It worked only one time when I was able to get a boost after submitting my XXXX XXXX  information. However, in XXXX and thereafter I did not receive another boost to my credit for XXXX, even though I continued to pay my bill and XXXX continued to report my monthly payments. Experian later told me that sometimes the boost works and sometimes it doesn't work for certain companies. But the fact of the matter it had worked for XXXX before, why it stopped I don't know? 

Next, I tried to submit my XXXX bill for boost back in XXXX of XXXX as well, but I was told that the XXXX bill would not be able to be accepted with boost at that time. So I continued to contact Experian credit bureau to see if they would accept my XXXX bill, but kept being told that my XXXX bill could not be accepted. Which ultimately caused me to lose points with my score. They also have not been updating their information about accounts. The last update was back on XX/XX/XXXX. 

Lastly, I received a decrease to my score at the end of XXXX. This was due to inaccurate information being placed on my credit information. I received a decrease because it was reported that one of my credit card accounts had closed, when in fact the card had changed ownership and switched to another account. But the card had never closed. Experian never fixed or recredited my account for those loss points. Then recently I received a 21 point decrease to my credit score, this coming after being told that the government would see to it that people credit would not be effected during the pandemic. However, my score decreased significantly for reasons unknown to me. According to the website of Experian, I had been making my payments on time and not using too much credit, doing a good job overall. But yet and still, my score took a big hit. When I asked Experian about the decrease, I was told that they could not tell me why my score was decreased. This to me is completely absurd!

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 2016-08-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Multiple disputes were initiated through Experian 's online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Experian has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) US BKPT CT XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX Never Known By This Name 6 ) XXXX XXXX XXXX XXXX Never Known By This Name 7 ) XXXX XXXX XXXX XXXX Never Known By This Name 8 ) XXXX XXXX XXXX XXXX Never Known By This Name 9 ) XXXX XXXX XXXX XXXX Never Known By This Name 10 ) XXXX XXXX XXXX Never Known By This Name 11 ) XXXX XXXX XXXX XXXX Never Known By This Name 12 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, I am requesting that Experian to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to 609 ( a ) ( 1 ) ( A ). I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( 1997 ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer.

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 2020-04-13
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job due to the COVID 19 pandemic which left me without an income coming in. i called Bridgecrest 6 or 7 times to see if they can help me in anyway so i could keep my vehicle. i explained to them i dont have an income coming in so i wont be able to pay the loan payment every 2 weeks. they explained to me and said they arent helping anyone that had been affected from this. but on their website it says they are. i ended up having to do a voluntary repossession on my vehicle. i tried to get them to just push my payment back 1 month and they said there was no way they could. now, when i go back to work, getting there and back will be an issue. and getting a new car will be an issue because the repo will drop my credit score tremendously, after ive worked so hard to get it to where its at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Cedars Business Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Cedars Business Services is attempting to collect on a fraudulent XXXX debt. 
XXXX placed a duplicate order ( XXXX ) for 3 items I purchased a day prior. The items I actually did order and receive are as follows. 

Order # 's, dollar amounts, purchased items, and delivery dates are as follows. 
XXXX {$910.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Delivered XX/XX/XXXX XXXX {$120.00} XXXX XXXX Delivered XX/XX/XXXX XXXX {$110.00} XXXX XXXX $ XXXX XXXX Delivered XX/XX/XXXX I have the following items shown paid by XXXX XXXX and owe nothing. Someone at XXXX  duplicated the order and said it was delivered and not paid. Why XXXX year later am I receiving a collection letter dated XX/XX/XXXX. This was clearly an error on XXXX. I wish I was able to email/speak with someone in the finance department XXXX I hope you can at least forward our communication with them to clear up the matter. XXXX finance dpt will not speak to consumers. Everything is left up to me to dispute with the collection agency. I've attached photos of the XXXX XXXXXXXX  XXXX transaction history for the items I purchased and the collection letter. I've also attached a screenshot of an email from a rep at wayfair. They did not admit they made an error but they did acknowledge one of the duplicated items was lost in transit. When I sent this to the collection agency they would not lower the charges. Although I did not place this duplicated order I was willing to pay the lesser amount of {$110.00} to make it go away. Still the agency would not help resolve the matter or work with me. This has been very frustrating to me as my credit is in very good standing. 

Again I'd just want to thank you so much for your assistance in trying to resolve this matter. 

Sincerely, 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 2022-09-13
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act convergent account # ending in 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 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive a 5 day notice to this debt before it was resinsrter into my credit file. I did not receive my right to dispute letter for these. I do n't even know what these debts are or what year they are from or anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
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 submitting a claim against the Toyota-Lexus Financial Service, a lease agreement originated from a dealership in XXXX XXXX, California. In XX/XX/XXXX, I have discovered a fraudulent discrepancy on my credit report while purchasing my automobile. I immediately filed a police report in my resident state of Nevada. However, in XX/XX/XXXX, I was notified by my Security Manger regarding my clearance due to a few discrepancies on my credit report. These discrepancies happened at the same time frame when my fraudulent case with Toyota-Lexus Financial Services. I  then called each creditors and requested the Debt verification and they were unable to provide any proof and then removed or taken care of. On XXXX XX/XX/XXXX, I contacted the collection agency ( XXXX ) and spoke to a supervisor, XXXX XXXX, to request Verification of debt from the original creditor. 

On XXXX XX/XX/XXXX, according to the call from XXXX XXXX, XXXX representative, XXXX insisted that it was not fraud because the company has a copy of my driver license on its record. I contradicted what XXXX insisted by highlighting critical facts : my non-residence history in California, ( 2 ) third partys picking up the vehicle at the dealer-shop, and ( 3 ) the suspicious persons possible accessibilities to get my personal information. As of today, I still have not received any requested documents ( i.e. promissory note or a copy of my driver license that they claimed to have ) or updates from the Toyota- Financial Lexus Financial or dealership. 

I gave them ample time to provide me with verification of debt, however, as of today, I have not received anything from them. This has been hindering my security clearance and I need to resolve this case as soon as possible. I am reaching out to you to help resolve this matter as I have exhausted my resource. I am attaching a copy of my police report filed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX my car was totaled as a result of a hit by a drunk driver. XXXX XXXX offered a settlement value for my car and deducted {$500.00} ( my deductible ) from the offered value.I have disputed the settlement value offered since XXXX XXXX did not calculate the repairs conducted two weeks prior to the accident : new tires, new brakes front and back, new shock absorbers, etc. In a letter dated XX/XX/XXXX, XXXX XXXX from the Presidential team, agreed to pay me an extra {$500.00}, based on the Invoices received for the upgrades/repairs and the comparables from the area. I have received only one check from XXXX XXXX in the value of {$500.00}, and this was towards the settlement value of my car based on the invoices that were not fully considered. As stated, XXXX XXXX already deducted the {$500.00} deductible from the settlement value proposed, hence that deductible was already paid as per my contractual agreement. The drunk driver did not have a license, however, the truck he was driving was insured under XXXX XXXX. XXXX XXXX reimbursed me the deductible. Initially I got contacted by XXXX XXXX XXXX from XXXX XXXX, NY to claim that I owe XXXX {$500.00} for deductible. I sent all the evidence and they closed the debt. In XX/XX/XXXX I got another debt collector AFNI , Inc, claiming the same debt. I responded to them by fax on XX/XX/XXXX to dispute the debt and to provide the evidence that I do not owe this debt. 
AFNI Inc failed to validate the debt and prove that I actually owe it.XXXX sold them a debt that has no legal basis or factual evidence and AFNI is employing unorthodox procedures of harassment and intimidation to coerce me to pay this debt, when in fact they have no evidence to prove the debt owed is accurate or valid. I have notified them in writing within the 30-day period and provided evidence the debt is not valid I also requested them you cease collection of the debt, based on the evidence submitted.I asked them to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. They continue to call me, claiming they are attorneys and will file a legal action against me, send me letters and emails asking for the same evidence I sent them multiple times and they confirmed the receival. 
I feel I ca n't get anywhere with these people and their threats. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: The Receivable Management Services 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:
XXXX XXXX has billed me for a course I signed up for. I paid the money. They later sent me a invoice for additional payment for continuing education. I told them I did not want additional education and they sent it to an outside DEBT COLLECTOR. ( RMS The Receivable Management Services Corporation. I think this is a scam!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am requesting removal of the items in which the bureau has failed to verify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. 
I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle through Credit Acceptance Corp for XXXX with a 25 % interest rate that i have paid over XXXX dollars on and they are stating that i still owe XXXX dollars on the balance and are threatening to repo it. I was out of work for XXXX weeks with a XXXX and collecting XXXX of XXXX per week and still made my monthly payment. XXXX week returned to work to come out of work and find my car gone. they demanded XXXX dollars to get my car back which i payed them. Only to get a call stating i was XXXX behind in my payments and are threatening to repo it again, after just XXXX weeks of paying the XXXX to get it back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation