BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE REOPEN THIS FILE AS NONE OF THESE ISSUES WERE PROPERLY ADDRESSED! IT IS MY LEGAL RIGHT AS A CONSUMER TO HAVE MY CREDIT FILE TO BE 100 % ACCURATE AND MY FILE WITH THIS COMPANY IS NOT THIS IS WHY I FILE MY COMPLAINT WITH THIS AGENCY! PLEASE DO THE RIGHT THING AND REPRESENT ME PROPERLY AND HELP ME WITH ALL THE INFORMATION DOCUMENTATION I PROVIDED YOU TO HELP ME GET MY CREDIT FILE WITH THIS CREDIT REPORTING ANGENCY 100 % ACCURATE!! I WILL BE ALSO SENDING THE SAME INFORMATION TO THE FTC! THANK YOU AGAIN FOR YOU HARD WORK ON HELPING US AMERICANS!! BLESS YOU!! I FORMALLY REQUEST THAT YOU REOPEN MY COMPLAINT AGAIN!! 
XXXX, XXXX, AND XXXX THESE WERE ALL CLOSED AND NEED TO BE REOPENED WITH THE INFORMATION PROVIDED PLEASE! 


THESE CREDIT REPORTING AGENCIES NEED TO BE REPORTING 100 % ACCURATE INFORMATION AND NOT WHATEVER THEY WANT TO REPORT! THIS WRONG INFORMATION HURTS ME AS AN AMERICAN AND AS A CREDITOR!

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 2020-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX  2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Purchased set of tires and wheels on XX/XX/2017, total price = {$2200.00} with {$800.00} payment made, balance {$1400.00}. Utilized credit program with vendor which sourced through American First Finance. When making the {$800.00} and opting for credit line I was not given credit terms nor interest rates, was told to expect to be contacted by loan agency, this was one day prior to making cross-country trip. Upon arrival to destination, XX/XX/XXXX, created automatic payment through my bank since I was not home to receive notice of payment or interest rates. When creating this automatic payment I noticed a payment had already occurred to American First Finance. I contacted them to inquire about this action and if this amount would pay the entire balance of {$1400.00} by the due date, the customer service representative stated, yes. 

Several months later I checked bank payment history and noticed payments were still being withdrawn, well surpassing the {$1400.00} amount, a total of {$1700.00}. I contacted American First Finance to request a refund of the {$260.00} overpayment and they cease withdrawals, they refused and stated that this was based on the interest rate compounded after exceeding the 90 day mark. First, I did not receive a notice of the interest rates nor when I returned home to California, did not receive mail containing credit terms or interest rates. It was during this telephone call that I was finally able to coordinate receipt of the credit terms and interest rate. This was emailed to me and depicted a rate at 140 %. If I would have known of this rate I would have opted not to take this credit line and if I did would have made a valiant effort the balance was paid well before the 90 day mark instead of relying on their customer service representative that assured me things were taken care of. Because they were unwilling to accept my payments for payoff nor generate a requested refund of I cancelled payment to American First Finance, which cost me {$25.00} to process. With continued effort to rectify with American First Finance they stated they did change their business practice with the vendor I purchased the merchandise, XXXX XXXX XXXX XXXX by ensuring consumers were given credit terms and rates but would not show I paid the balance nor refund me the amount I overpaid. That in itself was an admittance that American First Finance required corrective action but they still were unwilling to refund my overpayment nor rescind their efforts to seek further payments for over {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Arbor Residential Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have now been a customer of XXXX for the past year and have had a number of issues with your loan servicing. The XXXX time with your company I have been assessed a late fee for a payment that was there before the deadline of the XXXX or according to your customer service folks a day or XXXX later if the XXXX falls on a weekend or holiday. Regardless I use online banking with XXXX XXXX XXXX for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the delay. I paid XXXX of the fee. That was my XXXX late mortgage payment ever in 15 years. This time I have contacted B of A and confirmed that all of my payments to XXXX Mortgage are in electronic format. The payment was sent on XXXX arrived and was deducted from my account on XXXX. XXXX did not note payment until XXXX, and then assessed a fee. This behavior appears fraudulent to me. I pay my bills on time and live within my means. I am a single parent that is accountable and prides myself on being on time. I am very frustrated. My pay date varies knowing that I have a window based on my own paydate from my employer. 
Bank XXXX document is the exact snapshot of my XXXX XXXX XXXX online bill pay account noting when the payment was sent received and deducted. 
I was frustrated enough to look up on line to see if others find the same problem with XXXX and the reviews are horrible XXXX stars all with similar issues. 

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.

Company response to consumer: Closed
Consumer complaint received 2016-02-17
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Comenity bank was attempting to collect a debt of mine that was from a credit card from XXXX 's. I got a letter in the mail saying Weltman , Weinberg & Reis Co. , LPA will be representing the current creditor ( Comenity ) for this debt. On XXXX XXXX 2016, I called Weltman , Weinberg & Reis Co. , LPA to discuss payment options and I set up an agreement that I would pay {$220.00} per month. Confirmation number : XXXX I called on XXXX XXXX, 2016 to pay my second payment and the woman on the telephone said that my balance is {$920.00}. This could not be possible because my original balance was {$1000.00}. If you take that number and subtract {$220.00} that equals {$800.00}. So, even though I paid them the monthly payment we agreed on, they only subtracted {$100.00} from my balance. I have attached documents to show my bank statement that shows my payment of {$220.00} on XXXX XXXX as well as all of the correspondence from the XXXX companies, most notably the past XXXX statements that indicate the original balance and the incorrect current balance. I had agreed to terms with this company to monthly payments and now they are threatening me because I have not paid that they are going to take additional steps against me. I refuse to pay this company any additional funds because I feel I am at risk of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX told me that the company will help me negotiate my debt to all my creditor, Never informed me that some creditors will never negotiate. I am being sued by American express owed {$7400.00} and XXXX owed {$2700.00} in credit card debt. I notified freedom debt that american express and XXXX sued me. According to XXXX XXXX which is National litigation will help me resolved the problem becaused they do not take care of legal natters. XXXX XXXX emailed me last XXXX XXXX under XXXX and XXXX, XXXX the power of attorney to be notorized and returned the letter the agreement hires them to negotiate and settle my account. Unfortunately, american express and XXXX does not want to negotiate with them. Now, XXXX XXXX wanted me to directly negotiate with my delinquent creditors because they do not take care of legal matters. XXXX terminated my case because someone from XXXX debt terminated it. I notified freedom debt and national litigation that I submitted the letter to court. I am expecting that the company will help me resolved my problems by helping me negotiate with my debt. XXXX sent me the letter XXXX saying I withdrew my membership which I did not do. Can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

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 2020-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery is knowingly reporting false information in attempt to re-age a collection accounts reporting on my credit reports. They report accounts # XXXX -Original creditor XXXX/ ( a.k.a XXXX ) # XXXX - Original creditor XXXX XXXX # XXXX - Original creditor XXXX XXXX bank with an Estimated date of removal/FCRA Compliance date/DOFD that DOES NOT MATCH THE ORIGINAL CREDITOR reported on the same report. I have disputed this account as a direct dispute and with the CRA directly, and asked for removal and if not removed than verified. The direct dispute letter was sent to Portfolio recovery on XXXX/XXXX/XXXX. They failed to update the false information that was requested. In addition they changed ( account # XXXX ) " field '' Responsibility from Individual account to Joint account, which again is not accurate. I question the validity of this debt as I have never had any joint accounts. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of these accounts The original creditor has remove all three above account - as they were past the FRCA compliance date Since they have not validated this account with proof that it is mine as requested in XX/XX/XXXX, I find that this reporting is ground for deletion that that they are re-aging this debt the date is it is not consistent with the OC on this basis alone. 
I had submitted proof in the form of a copy of credit report highlighting this discrepancy. The law does not allow collection agencies to modify this DOFD, nor does the law allow them to add false information. 

I have attached Dispute results showing XXXX account number XXXX as DELETED but the corresponding collection accout from Portfolio Recovery account number XXXX was not updated or removed. They are reporting original creditor as XXXX XXXX to further things but if you look at the account number you will see they are the same account. 
I have attached newest copy of XXXX credit showing not 1 of the above Original creditor is remaining on the credit report because they were past the FCRA compliace date and are no longer reportable. 
I have attached the last dispute request the was sent to PRA when the original creditors were reporting the date the item will be removed was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
XXXXXXXX XXXX XXXX sold a closed and charged off credit card account to a collection agency in XXXX ( Portfolio Associates ) The credit card account was opened in my name. XXXX states they no longer own this account and claim to have " no responsibility, access to files, or control over the reporting of this account whatsoever because they sold it. '' ( the account was sold for pennies on the dollar ) I personally spoke with a representative from the President 's office at XXXX XXXX  where I was given this information. But, XXXX XXXX  is continuing to report this account as one of their own active delinquent accounts to the three major credit bureaus, XXXX XXXX  is double reporting an account they do not own. XXXX XXXX  is causing me significant harm by consistently reporting an account they already reported, charged off and sold. This account is being double reported ; the original creditor ( XXXX XXXX  ) is reporting this account monthly as an active past due account as well as a charged off and collections account. The collection agency that purchased the account ( Portfolio Recovery Associates ) is also reporting this account to all three major credit bureaus as an active collections account. 

Portfolio Recovery Associates is aggressively trying to obtain a judgment against me in court for this account. When the Attorney General for the Commonwealth of Massachusetts sued Portfolio Recovery Associates in XXXX the Commonwealth won a class action lawsuit against Portfolio Associates for violating numerous consumer protection and debt collections laws. A significant part of the settlement agreement ( in addition to the many millions of dollars they were ordered to pay ) Portfolio Associates agreed to halt collection activity against XXXX individuals such as myself. that only receive SSDI as a sole source of income. In the settlement Portfolio Associates agreed were ordered to stop collection activity from Social Security Disability ( SSDI ) recipients. In short not only is Portfolio Associates in flagrant violation of the terms of their very own settlement agreement both XXXX XXXX  and Portfolio Associates are double reporting an account with inaccurate information for " profit and loss reporting purposes ''. As if all of this were not bad enough, the information being reported is completely wrong in terms of what was owed, what payments were made right up until the bank decided to take a charge off. Portfolio Associates is in violation of the law for breaching the terms of the settlement agreement signed by them and the AG 's office for the Commonwealth of Massachusetts. XXXX is in violation of the law for doubling reporting this account and continuing take it as a collections account and loss after they sold it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Preferred Collection and Management, 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:
XXXX ( insurance company ) called this debt collector and advised them that is was illegal to place damaging information on my credit report. The collection agency rep was advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider didn't timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
There was a payment of {$100.00} that was posted to my account in XXXX of 2019. The payment was improperly posted. {$50.00} should have posted in XXXX and {$50.00} in XXXX. As a result of this error it shows a 30 day late to my account in XXXX. They recognized the error and even credited my account for the late pays. They informed me they would also adjust my credit report. Upon checking my report this year I noticed the error and been trying to dispute it for several months. This is my third attempt with supporting documentation where they credited the late fees. I have never been late with this company or any other company. They refuse to remove this negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I made a payment on my Victoria Secret CC of {$500.00} my original credit limit was {$600.00}. Around XX/XX/XXXX and XXXX Comenity Bank did a soft pull on my XXXX  credit report and decreased my credit limit to {$150.00} without my acknowledgement. When I call VS and Comenity Bank no-one could give me an answer behinds they did a promotional soft pull. They informed me that they sent out a letter explaining the decision. I never received a letter from the Bank of today XX/XX/XXXX. I have a block on my XXXX  Report for promotional purposes so no-one can run my credit to determine whether to increase or decrease my credit limit. This has caused my credit score to decreased by 57 points which is hurting my credit reporting because they lowered my credit limit. I am beyond upset that they would do this right after I made a huge payment on my card. Comenity did a soft pull on my credit on XXXX XXXX and XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. During these soft pull my credit limit was not changed, because my balance was at the maximum credit limit. I have tried to talk to both VS and the Bank and they just hang up on me. Please help me with this issue because I can't seem to get an answer or resolution. This is a violation of my consumer rights and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mercantile Solutions has repeatedly called me for the past 2 months ( XX/XX/2022 to date ) every Friday trying to collect on a credit card debt from several yrs ago. When I did talk to them they required me to tell them my mailing address, last 4 of my social or the full account # on the card. I informed them that I did not feel comfortable telling them my address but I did give them the last 4 of my social. The gentleman indicated that was not enough and required the full address. I again stated I was not comfortable with that. He stated that he couldn't go any further with my call. I stated I was sorry to hear this but again I wasn't comfortable provided that information on with the call. I also explained to him that I had lost my job 2 weeks ago and that even if we could proceed with the call, I had no money to give them for the debt. He stated that they wanted to work with me but again needed my address. I stated I got his letter in the mail so with that verification, could he move forward with just the last 4 of my social and that? He stated he could not. 
I ended the call with apologizing to him and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my car loan for over four years and I feel that my payments are not going toward my principle balance at all. I remember calling almost two years ago and my balance was XXXX XXXX and something dollars, well still to this day when I call my pay off balance is XXXX XXXX something dollars. I pay {$380.00} a month payments. It makes no sense. The car is barely worth {$4000.00}. I have been requesting a full payment history since XXXX of last year and they still will not send me anything. I do not get statements from them at all. If I don't make my payment they call me all day and night every day. I want a payment history to know where all of my money has gone and to figure out fair payments for the future to get this car paid off but they are absolutely impossible to work with. When I ask them how much interest I have left to pay they tell me I pay more interest every single day. It doesn't make any sense to me and when I googled and researched the company I found out they have had multiple huge lawsuits against them for bad loans and I'm now scared I might be a victim of them.

Company response to consumer: Closed with explanation