BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-14
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Lonestar title loans keeps harrasing us and calling our references and harrasing them after I have told them multiple times we are not able to pay back the loan due to loss of employment. I've advised them on XX/XX/2019 at XXXX for the 20th time they can come get the car and where it is located and they stated they don't want the car and they are gon na continue to call and harrasing until we pay and that the calls will not stop to us or the refs.

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 2021-07-24
Company: Colony Brands, Inc.
State: KY
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 had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I bought a used car thru Westlake Financial with an interest rate of 22 % and additional insurance I thought it was Gap. In  XX/XX/XXXX while driving home something happened to the chasis and I lost control. The car was considered a total loss and paid off thru my insurance. The SUV was valued at {$14000.00} XXXX for a used car and the miles. I continued paying off my car payment of {$500.00} a month. But unfortunately I don't have transportation so I stopped making the payments. These last seven months I have tried working with an outside credit counseling organization so they can have them stop calling me at work at all times and at least making a comprise of lower payments less than 500. According to Westlake Financial I  owed them {$3000.00} and now the amount has climbed to {$4200.00} for the difference of the SUV. They valued the SUV at more than {$19000.00} and XXXX valued it at less than {$14000.00}. My car insurance also had to pay the car registration which Westlake Financial also was charging me {$600.00} dollars for interest. I feel bad Westlake has left two envelopes twice at my door. My brother saw them ringing the bell and leaving the envelopes. Their collection calls began with area code XXXX and have made calls in one week totaling 50 calls with voicemails. The caller seems angry in their voicemail. My company pays for my phone and they have warned me that my calls exceed what is costumary for work. I would like for them to stop calling me more than 50 times in one week, to stop leaving envelopes at my door and ringing my door. I would like to make payments of {$120.00} for 3 years. I have no car and still owe the SUV because I was unaware of their tactics of telling me that it included GAP. Please help I don't know where else to seek help. Unfortunately I feel like a fool for not reading the fine print and relying on their word. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case PORTFOLIO RECOVERY ASSOCIATE is attempting to collect XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: DC
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:
On or about XX/XX/XXXX, agents of Equifax received an Affidavit of forged endorsements, an FTC identity theft report, an IRS identity theft affidavit, and a USP ID theft report pursuant to the FCRA 605 B. ( USPS tracking # XXXX   XXXX XXXX XXXX XXXX ) The fraudulent account ( s ) outlined in herein were in fact deleted from my consumer report. On or about XXXX XXXX XXXX, I was  informed that my information was impacted by the Equifax Data Breach. Soon after I filed a claim of injury under the data breach  and re-submitted the documentation through the online porthole. Upon information and belief, the fraudulent activity on the accounts was due to the data breach. ( Ref # XXXX ) On or about XX/XX/XXXX, I received a consumer report from Equifax stating the account ( s ) were reinserted to my credit file. ( Confirmation # XXXX ) Upon information and belief agents of Equifax willfully, knowingly and spitefully reinserted account # XXXX to my consumer file due to my complaint through the data breach porthole.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Apparently happened in XX/XX/XXXX or XXXX of 2017. No actions taken on company as of yet. Just found out. 

My SSN, DOB, full address and driver 's license have been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: CO
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:
on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: CO
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:
on XX/XX/XXXX I saw on my credit report that there where a variety of no inquires that i didnt authorize at all and i want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Nationwide Credit & Collection, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has sent several debt collection notices for laboratory bills that we did not receive a bill for. Ever time I have tried to pay online and their site has been down. The bills the send are dated about 2 weeks before they arrive. The whole things looks very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - I receive a call about fraud in my account, on the phone for over an hour trying to solve it but I had to get off the phone because of an appointment. Account gets locked. 

XX/XX/XXXX - I send Ally bank the information they requested ( selfie, photo of my ID and SSN cards ) XX/XX/XXXX - account is still locked. Husband and I are on the phone for an hour trying to solve it. Phone gets disconnected, no call back XX/XX/XXXX - account is still locked. Can not access any of my money, either in checking or savings

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 2019-10-14
Company: EQUIFAX, INC.
State: NJ
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 DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DISPUTED ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, THOSE ACCOUNTS NEEDS TO BE REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ACCOUNTS OFF MY FILE

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 2021-11-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a forbearance in 2020 because of covid.This was XXXX 2020. XXXX agreed to put the amount at the end of the loan if i made themXXXX payments.on XXXX [ XX/XX/XXXX. 
I did that. they then transferred my account to shellpoint, who demanded all amounts, over XXXX. 
i did not have that. They then said i must modify. and subsequently refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.

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 2017-10-17
Company: Experian Information Solutions Inc.
State: MO
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:
After completion of reinvestigation ( Report Number XXXX ), Experian failed to provide the Notice required by 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ). However, as a consumer, I requested that Experian, in accordance with 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ), provide a description of the procedure used to determine the accuracy and completeness of the information of the reinvestigation. Experian failed to provide the complete requested description, in that, Experian failed to provide the business name and address of any furnisher of information contacted and the telephone number of such furnisher. See attachment Experian_complaint.PDF ( Experian report XXXX XXXX, XXXX, my letter XXXX XXXX, XXXX, Experian reply XXXX XXXX, 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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 an order was placed for a XXXX XXXX XXXX XXXX XXXX through XXXX with XXXX XXXX XXXX. On XX/XX/2022 my package arrived damaged with the jacket missing. XXXX was notified and I was told to keep the contents that I received until my issue was resolved. XXXX XXXX was notified about this issue and I was told by XXXX XXXX that I needed to file a claim with the carrier, XXXX. A claim was filed with the carrier and was also denied due to it being filed incorrectly. XXXX XXXX XXXX is the only party that is allowed to file a claim with XXXX  due to contractual agreement that they have with them. I have provided the letter to Bank of America.

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 2018-06-04
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my credit report I noticed a late payment status dated 3.5 years ago on my XXXX XXXX XXXX XXXX. This is NOT correct. I have never been late on my payments ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Lane Bryant is a store credit card that is financed through Comenity Bank aka Bread XXXX. I have had this card for some time now so I am saavy about reading my email, letters that come through U.S. mail and communications sent to me electronically on the store credit card website. I was checking my account balance recently and started to go back and review my bills. I receive my bills paperless and generally just go on the website to pay the bill. When I saw that my balance was not really going down like it normally does, I started digging into previous bills and noticed that at some point, I started receiving DOUBLE finance charges from this company. I called in XXXX times to try and have the issue resolved however always received the runaround. The last time I started asking questions about terms and conditions and it was noted that they did not send me a copy of the terms when they changed them. There were no terms in my electronic communications nor had I received any via XXXX. Therefore XXXX Lane Bryant broke their original contract with me, did not properly notify me of the change in terms that would impact my account, and consequently, I am asking that these DOUBLE finance charges be removed from my account. I should have ONE finance charge for EACH billing cycle. This conversation about change of terms took place about XXXX months ago. I am a XXXX XXXX, so was really busy trying to XXXX XXXX  in the pandemic. Now I am on summer and want to pursue this issue of non-compliance on the part of the credit. It appears that Comenity is making these changes on all of their accounts gradually. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt for {$860.00} placed on all 3 credit Bureaus. I did not receive notice of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
{ ****The loan did not close M & T Bank Refuse to refund the money $ XXXX }. 



M & T Bank, Per your request the rate today is 3.75 % for a 15 yr. term on a VA Refinance . Your Closing cost is estimated between XXXX which was included in you loan.. ( ****The only upfront commitment fee M & T Bank requires at the time of application is {$270.00} by visa or MasterCard the day you apply. That is part of your closing cost and will be credit towards your closing cost at your final closing****.. } VA will charge .50 point to your loan unless you are a XXXX veteran.. The fee will be XXXX and again I have included that into your loan as well ... Your total interest saving will be {$21000.00} and your payment will be XXXX less per month for a 15 yr. term.. Your new payment will be {$1300.00} includes Taxes and insurance. 

Let me know if you have any further questions.. 

Thank you. 

XXXX XXXX Mortgage Consultant XXXX # XXXX M & T Bank XXXX XXXX XXXX XXXX, NY XXXX XXXX x XXXX Fax ( XXXX ) XXXX XXXXXXXXXXXX

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 2021-11-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company SunTrust has a site to pay your mortgage one can pay extra money on the mortgage principal the problem is their site doesn't work. You can call in and pay the exact amount or wait forever for a phone agent. This I believe is all to charge as much interest as possible. They need to be investigated.

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 2018-11-12
Company: Experian Information Solutions Inc.
State: CO
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 sent every credit reporting bureau a identity theft police report and copy of my id and Experian REFUSES to remove unauthorized inquiries. I called AGAIN XX/XX/XXXX and the representative to remove all unauthorized inquiries from my report. I advised I have contacted these companies and can not get resolution. The representative stated to keep reaching out. That if I applied for a loan companies can do that. I advised her NO I authorized ONE company and they never reached out to verify my identity before allowing them access to my credit like I requested when there is allegedly a freeze. And this is causing a negative effect on my credit. She refused to give me a rep id. And just advised she can put she is on the XXXX team. I advised I did NOT authorize any other company but XXXX and XXXX XXXX to access my credit. I am requesting these all be removed since these fraudulent and unauthorized inquiries are having a derogatory effect on my credit. I have been fighting with them for over 1 year and its increasingly becoming a issue. I am requesting the following be removed. They have allowed companies to access with a credit freeze and wit my knowledge and authorization. remove the inquiries. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I ALREADY HAD THE LOAN XX/XX/XXXX THEY HAD NO PERMISSION OR REASON XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARDS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO NO DATE GIVEN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX MEMBERS XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX NO DATE GIVEN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO DATE GIVEN I HAVE LEFT WHAT I DID AUTHORIZE NOT LISTED

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 a 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 non-monetary relief