BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: CA
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:
XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: World Acceptance Corporation
State: GA
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:
World acceptance corporation is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record 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 2021-01-16
Company: Experian Information Solutions Inc.
State: OH
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 spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX and 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 explanation
Consumer complaint received 2016-12-11
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
they called with robo calls several times a day I did talk to a XXXX and told her ai would pay when I got paid but to stop the calls. The two days before i was to be paid they changed my pay date and tried endlessly to call and was on hold forever till my break of a half hour was over this happed more than one then the calls started endlessly again even after i told XXXX who called to stop calling me if they had an issue to write and invoked the FDCPA and still the calls came. i have 17 calls i have kept and the one telling XXXX to stop they said they wrote me and i never head back why because they had the wrong address for me and i never recevied any letter yet their bills come i wrote the pres and told hiim if he send me a late charge I wold report the calls after my letter to him specifically saying do not call and have that call recorded as well. They then sent me another letter to the wrong address which by some miracle i got pointed out thaqt the bills are correct the lease is correct yet they sent me a letter to the wrong address. i did not want to file this but felt i should never pay a late charge due to the harrrassment ai suffered. They send me a bill with a late charge and now I want my $ XXXX per violation. I will never pay the late fee since they are paid within th3 30 days and feel they should have stopped the calls when I told them to and they continue to send me bills with late fees well they can now just see what happens and I will never pay the late fee ever and they can eat it and learn from this that calling non stop is unacceptable when told to stop Had they treated me with the respect of stopping the calls then i would pay the fee but now somr they viiolated FDCPA they can just waive it for the term of the lease I will never buy a Honda iff this is how they treat their customers writing to wrong addresses and robo calls do n't wotk.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: PNC Bank N.A.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed my XXXX vehicle through PNC Bank XX/XX/2015. It was a new vehicle and i obtained a 2.24 % simple interest rate on the car. Since the loan term was 60 months or more I have been making my regular loan payments as well as additional payments that I have informed Bank personnel were principal only payments. Instead of posting the payments as principal the Bank has been posting them as regular payments and deducting interest from them. Hence the interest being charged on the outstanding is greater than, if the payments were posted correctly. I have contacted the Bank on several occasions. Initially I was told that their system could not account for principal only payments. It is my position their system issues are not a consumer responsibility. I want my payment to be posted as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Nations Recovery Center
State: GA
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:
I enrolled in XXXX for XXXX term in 2010. I was told by the financial aid counselor at the time that I could use federal student aid to cover the cost of class. After classes began there was a delay in processing my student aid and so my student account was placed in negative status. After continued contact between myself and my counselor I was able to correct the issue and the money was dispersed to the University. It was at this time I was told they would not be able to use federal funds, and that I would have to cover the costs out of pocket. This after the term was actually over and I received a final grade for the course. After informing them I would be unable to as I was unemployed at the time, which was the reason for using federal aid in the first place, I was told that if I did not the account would be placed in collections and reflected in my credit report. This has been the case ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After reviewing my credit report, I noticed some inaccurate accounts reporting. Especially accounts that were removed that should be consistent and removed from all three credit bureaus. I also noticed some student loans that were reporting that I have no knowledge of. They are duplicate accounts too, this is hurting me and it isn't fair. Please help me remove these negative and unauthorized items from my credit report. Enclosed are photos of my ID and a utility bill for address verification. In addition, I uploaded letters that I sent to the credit bureaus over 40 days ago. I haven't gotten an update on results nor have I even got a response.

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 2016-02-10
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
After a lengthy investigation I have discovered that Experian has been charging me for monthly credit monitoring services sense XXXX of 2012. They have fraudulently obtained different card numbers in my name from XXXX in order to continue to charge me over the years. I have contacted them in the past about this and every time they claim they have no account in my name.

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 monetary relief
Consumer complaint received 2016-01-28
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX 2014, I went to PNC Bank to pay on my loan at the XXXX XXXX, with the Branch Manager who is no longer there ... He mailed my payment, and a month later PNC called me from where the loan was being serviced and stated they did n't get my payment in XXXX ... I explained to them over the phone, that I made the payment with the branch manager at PNC XXXX and they should get in contact with them, and that I would also follow up on my payment ... .I went to the Branch and they said to me we mailed it to the Loan Servicing Dept. and Loan Servicing Dept. at PNC stated they would call the Branch ... I spoke with the XXXX XXXX, and the Branch Manager XXXX said the Loan Servicing Dept. at PNC never called to ask about the mailed payment ... .At this point it 's showing up on my credit reports without my knowledge which violate the fair credit reporting act ... I expect pnc to act in accordance with the fair credit reporting act and delete this account from my credit reports ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Midwest Loan Services, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : 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 explanation
Consumer complaint received 2022-10-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am seeking monetary release for the terrible treatment I have received from experience. From all XXXX credit reporting bureaus.I have continuously requested that I do not be just by algorithm and that my credit school will properly show XXXX real numbers. However, experience has been holding my credit score now for a long time now when I called a question why they said it was because of algorithm, which is not fair to anyone. They have now remove things that I took them. Were not supposed to be on my account. They keep making up excuses why they cant fix the numbers and its a computer is doing it and not send however, we werent using computers at first and theres no reason why I cant hear XXXX. Judge my number is it because Im a XXXX person is known as the XXXX peoples numbers down Id like to pay for my troubles. You can get a home cars anything and I know I have no debt at all!!! Fix this please. Why do they have so much power and theres no real way to dispute them. 
I never gave XXXX, Equifax or XXXX permission to publish anything about me. They are constantly publishing false information. How do I go about suing the company for pain and suffering, for restricting my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: American First Finance, 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: Information belongs to someone else

Complaint:
An account was fraudulently opened in my names XX/XX/2020. I notified American First Finance XX/XX/2020 of the fraudulently account, submitted the identify theft affidavit and have sent several follow up letters. I have not been contacted by the company nor has this information been removed from my account. I have submitted police reports and letters from the Federal Trade Commission as well. I need this resolved immediately, this account DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Alliance One, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-25
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: PNC Bank N.A.
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Capital Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015.

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