BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed all the credit inquires that are listed on my report and have gotten XXXX help with them being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Hello, I have disputed the Collection Account with XXXX XXXX with all the 3 Bureaus ( XXXX, XXXX and XXXX ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt XXXX XXXX is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. XXXX XXXX  re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: FREEDOM FINANCIAL NETWORK
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
This company is continuing the same business practices as described in legal action brought forth by CFPB. I am referring to the below which describes my situation exactly. 
WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today filed a lawsuit against Freedom Debt Relief, the nations largest debt-settlement services provider, and its co-CEO XXXX XXXX for deceiving consumers. The CFPB alleges that Freedom charges consumers without settling their debts as promised, makes customers negotiate their own settlements, misleads them about its fees and the reach of its services, and fails to inform them of their rights to funds they deposited with the company. The CFPB is seeking compensation for harmed consumers, civil penalties, and an injunction against Freedom and XXXX to halt their unlawful conduct. 
I have had to start negotiaons myself, most of the creditors indicate no contact was made with Freedom debt relief on my behalf. Because of this XXXX card a creditor sued me, I stepped in and started negotiations with the creditors attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Transaction issue

Complaint:
Amazon purchase XXXX was a purchase of XXXX, minus promotion XXXX, minus rewards points of XXXX. Receipt total {$8.00}. I was billed ( not pending ) {$23.00}, the item has not shipped. Amazon says it will change when shipped to {$8.00}. So until then I have a charge on my account for the full amount, assuming the change the price and issue a credit to my account. Amazon thinks this is a normal practice, the credit card can only dispute the charge. I do n't think this is legal, but I could be wrong, someone is making money on this money in " limbo '' and someone is paying for it. Please feel free to call me if required XXXX, Please let me know what will happen. Please fix this practice it 's just not right!

Company response to consumer: Closed
Consumer complaint received 2020-08-15
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I filled out a credit application for a vehicle. Based on the negative equity and credit, the dealer said I needed a strong co-signer. My fianc who had a 730+ plus score co-signed the loan. The dealer came back with 11.5 percent with my fiance as the primary. I believe there was predatory lending going on. Looking at my paperwork, I dont understand how someone with excellent credit could end up with 11.5 % apr. 
the Dealership is XXXX XXXX XXXX of XXXX North Carolina. XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced recovery company keeps reporting a fraudulent collection to the credit bureaus for a collection at att mobility. I've been a customer with XXXX  over 5 years and they have already proven to the credit bureaus that my accounts have always been in good standing never late or missed payments. XXXX and XXXX have both deleted the collection and confirmed with XXXX that it was fraud. Enhanced recovery company continues to place this item on my reports and attempts to make me pay a fraudulent charge. XXXX deleted the collection the same day it was placed on XX/XX/2020. The company placed it on my report for XXXX  again on XX/XX/2020 and XXXX  confirmed fraud and deleted it the same day on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: DISCOVER BANK
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:
The date of occurance was XX/XX/2018 with Discover Bank Account # XXXX, Amount of monies owed to XXXX XXXX is {$4100.00}. I am filling a dispute against Discover Bank due to account being reported to my Creditreport, This Account is Fraudulent and inaccurate. I reached out to the Credit Bureaus and Discover Bank and well to let themknow this account is due to FRAUD. I also filed several police reports XXXX XXXX XXXX XXXX ) and FTC reports File # ( XXXX ) .The Credit Bureaus are doing what they can to assist me with this matter, I even reached out to Discover to dispute this Charge/Account and informed them that this account was not mines but they refused to remove this account from my Credit.I 've sent Police reports/FTC reports signed Affidavit that this account isn't mines and they still refuse to remove the account even tho the name and address doesn't match my personal information. I informed Discover that I have been a Victim of Identity theft for several years and that my personal information was used to obtain goods in my name. The unprofessionalism of Discover Bank is horrible and needs to be addressed, I would like this to be resolved ASAP as Discover bank is causing harm to my finiancial freedom. I also filed a complaint with the Attorney Generals Office and The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Island Finance Puerto Rico
State: PR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX XXXX ( Puerto Rico ) been calling me for over a month asking for XXXX XXXX ( debt collection ) I've trying to explain them that I don't know this person in numerous times but they still keep calling me and leaving voicemails everyday.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: MS
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies is XXXX did not modify or removed anything from my credit report ( Driver License and Social Security Information was sent by mail. Here is my tracking XXXX and XXXX. It has been over 30 days. 

The date is not correct, date last is not correct on XXXX reports, date of last payment is not correct on XXXX credit reports which violates my rights. 

Which is a violation. This impacting me from moving forward to buying a car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Santander Consumer USA Holdings Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. It was affected by natural disaster. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Westlake Services, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2015, a payoff in the amount of {$7500.00}. was overnighted to Westlake Financial Services Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX.On XXXX XXXX, 2015 @ XXXX, the payoff was signed for by XXXX at their office. On XXXX XXXX, I reviewed my account to find that the payment has not been applied, at time my account is reflecting XXXX DPD. When speaking with representative, they do not know where the check was applied and why it has not been applied to my account. All of the information was provided, tracking number XXXX, account number, amount, date of receipt and time. When calling to speak with representatives, they advised that they there is nothing they can do, I have to wait for research and posting. My account is approaching XXXX DPD and this will affect my credit. Also, I am possibly in jeopardy of having vehicle repo 'd and another payment being due on the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I deferred my student loans due to my XXXX  and my loans were sold back and forth between XXXX and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XXXX  ( XXXX  XXXX  ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies XXXX and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a disabled vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the 2 companies are sister companies it feels like tax fraud may be involved also.

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 2023-01-23
Company: Atlanticus Services 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:
There were many charges made fraudulently on my credit card with Aspire, I did not notice them untill the amount of my regular payment doubled.

I contacted Aspire to the charges made, filled out all required paperwork and sent back, mean while was told ", I still had to make the payment amount untill the fraud investigation was over which was double what I paid before the charges were made. 
At this point it had been over a month and still being billed for those charges plus interest with no word, I called again when the charges were still there and refused to pay again for them, I was told the investigator made a decision and it was in the mail and I'd receive it within 10 business days, a month and half later still no letter, so I quit paying all together and they told me I would be responsible for late fees and the payment.

I went on line to look up the businesses where the charges were made and they come up with no business information and they don't exist, they were for the same amount or 4 cents off. 
# 1 XXXX XXXX XXXX {$99.00} # 2 XXXX XXXX {$4.00} & {$99.00} # 3 XXXX XXXX {$99.00} # 4 XXXX {$99.00} # 5 XXXX XXXX XXXX XXXX {$99.00} These are not common with my previous charging history and they don't exist but yet there Investigators denied my claim, never sent me notice, has put a derogatory mark on my credit report, and are still adding charges to my account, and I do not have access to either accounts because they told me I had to cut up my cards and send them back due to my request to close my account which never was said by me and yet they have new account numbers for my accounts and I never received any cards for those accounts but still required to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting a second complaint on an existing issue - to have my escrow account balance refunded to me. In its response to my first complaint, the company said it would refund this balance within ten business days. It has now been over ten business days, and my escrow account balance has still not been refunded to me. I would also note that I attempted to resolve this with the company 's designated compliance contact, and am submitting a second complaint because they are not being responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Big Picture Loans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed up for a loan that I took out for {$450.00} with a finance charge of {$220.00} and I did n't realize at the time I 'd end up paying a ridiculous interest rate on the loan. So I asked them if I could set up a payment plan, but I did n't realize I had to pay the amount of like {$1200.00} and they refused to help me lower it. So I let it go collections, now they 're saying I owe {$920.00} with a {$220.00} finance charge and a late fee of {$20.00} included in it. I 've been trying to resolve this with them but getting it resolved has been the biggest headache. I 'm hoping you can help me get this resolved these people are the biggest scam artists ever! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The school referred me to the lender. After obtaining the loan my school closed. I 'm upset because I was indigent at the time and they required my grandfather to co sign. I am unable to apply additional payments and by the time I pay it off it will be more than XXXX paid on a XXXX loan. I have been unable to work out anything with the lender other than a deferment. Private loan through Granite state management and the lender continues to contact my family members and cosigner even though my payments are on time and up to date. It is all very upsetting to my elderly grandfather/co signer. My payments keep going up also and it is a tree loan which we were unaware of. The interest is ridiculous and the loan was misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?

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 2020-01-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Please note, Toyota Financial Services is the brand name of Toyota Motor Corporation. 

In XX/XX/XXXX, I agreed with Toyota Financial Services to extend my lease on a month to month basis for a maximum of 6 months. 
I made my last monthly payment on XX/XX/XXXX in full amount of {$160.00}. This payment would give me the right to use the car until XX/XX/XXXX. 
On XX/XX/XXXX, I turned the car into the dealership to end my lease. On XX/XX/XXXX, Toyota Financial Services sent me a letter acknowledging that my car had been returned. As a result, they should have sent me a final bill for the lease termination amount less any credits for being under mileage. 
On XX/XX/XXXX Toyota Financial Services proceeded to bill me another {$160.00} assuming I still had possession of the car. This is in despite that the dealership bought the car from Toyota Financial Services after I had turned the lease in. 
On XX/XX/XXXX in a phone call with Toyota Financial Services, they assured me that it was a mistake, my account would be closed, nothing would be reported to the credit reporting agencies, and they would send me the bill for the termination fee. 
On XX/XX/XXXX, I received notice from a credit monitoring service that Toyota Financial Services has been flagged as delinquent by XXXX. Toyota Motor Credit Corporation has reported me to a collections agency. 

On XX/XX/XXXX, Toyota Financial Services sent me a letter with my transaction history. The second to last transaction is titled, " Lease Termination Reversal '' and Toyota Financial Services is attempting to bill me for a car that was returned to them on XX/XX/XXXX that they then subsequently sold to the dealership for resale.

Company response to consumer: Closed with explanation