BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-19
Company: United Consumer Finance, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a XXXX XXXX XXXX XXXX for {$12000.00}. Two months after getting the car the dealership had not completed the inspection, and the engine blew. The dealership told me the warranty had to pay for the repairs and the warranty company said that the dealership was responsible since i had just got the car. I paid XXXX out of my pocket to pay for the repairs. This was only the beginning. It is XXXX and to date i have paid {$12000.00} in repairs as well as XXXX in finance payments. Currently the vehicle still needs repairs and the finance company is charging all types of interest. I contacted the XXXX to file a complaint with the company since the vehicle had not been inspected and after looking at my paperwork ( contract, Title, and registration paper ) i noticed that at the time i bought the car the mileage on the title was different than the mileage that was on the car and the contract, as well as the " Owner '' signature on the title transfer. The XXXX advised me to seek legal help. 

The dealership ( XXXX XXXX XXXX ) and the finance company ( United Consumer Finance ) conducted illegally and now i am in a bind with a lemon for a car and no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in disagreement with the items listed on my credit report which still appears on my credit report after an investigation. I would like these items immediately re-investigated and DELETED. These inaccuracies are highly injurious to my credit rating. You have ignored my previous XXXX request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2022-02-25
Company: National Enterprise Systems, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National Enterprise Systems , Inc. states that I owe {$510.00} to them from a debt that was assigned to them by XXXX XXXX XXXX. I've sent a debt validation, a Affidavit of Truth which was notarized, and Exhibit as proof in which they violated consumer laws which was notarized, a cease and desist letter with an attached invoice for payment to me since the fair debt collection practice act laws were breached.

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 2015-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 my son and I made a cash deposit into our checking account at our bank at XXXX XXXX XXXX XXXX in XXXX OH. It was XXXX We deposited {$2200.00} in cash. The ATM receipt showed we had only deposited {$600.00} We were shorted {$1600.00}. I called the banking center. It was closed. I immediately called the after hours Customer Service phone number to report this. They assured me that they would investigate. I was assigned a " Case Number ''. The bank made a " provisional deposit '' the next day for a total of {$1600.00} We heard nothing else from the bank until XXXX XXXX, 2015 when they debited the {$1600.00} back out from our checking account. I contacted them this evening and the bank refuses to help me, saying that there is nothing further that they can do. I do not know where to turn. My family has banked with this company for over 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I raised a dispute ( that's a dispute on a closed dispute that was ruled in my favor ) with TransUnion. They solved the error but sent me a report that's completely unreadable. 

Even before credit reports, they have added a paper saying that I've to pay {$10.00} to purchase credit score. 

They updated the status of my dispute results to 'Unknown '. I have no clue how to read that unless I purchase their report. 

Seems TransUnion 's money-making method is to report something wrong, make people pay to resolve. If they don't pay, send them a dispute resolution report that you won't understand without paying. You will understand only if you pay them money. Such a cheap monetization method. 

The resolution document mentioned I can ask TU to send my credit report and score to those that received my report in the last 6 months.

When I contacted TU, they say that it's not possible. Using credit monitoring service from the credit card company is the way to update my new scores at my credit card companies.

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 2022-02-25
Company: Advance America, Cash Advance Centers, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Company keeps calling everyday asking for a XXXX XXXX. Ive informed them it is wrong number but continue to call every day leaving harassing messages. Ive never had any loan or businesss dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unbeknownst to me I found out that my home was in foreclosure, because I started receiving letters from local attorneys offering to help me with my foreclosure. I was completely blindsided. I contacted my bank and was told that I had missed making 8 payments, hence the foreclosure. I tracked all payments coming out of my checking account and brought that to the attention of the bank representative that I was talking to. She discovered that all of the last 8 payments had been applied to my escrow account. In fact the most recent payment was denied on XXXX XXXX and supposedly returned to my checking account on XXXX XXXX. I have not received the returned check. I have been a widow for a year and a half and due to the unexpected death I was left with XXXX vehicles to make payments on. I was just informed by my nephew who was borrowing one of the vehicles that it was repossessed from his home. Payments had also been made, some a little late. I want to keep the house, along with a loan modification, the payments applied correctly and my missing money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the original creditor on  XXXX  of    2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls from  XXXX   XXXX  saying it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.

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 2022-10-03
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for covid mortgage assistance in XX/XX/2021. I was approved in XX/XX/2021. I signed papers with XXXX for their assistance. They took too long to pay it out and the quote went stale. They then asked Regions mortgage to resend the new amounts and how much is due on my account. Regions has told me over and over again that they have submitted this information and XXXX  has continued to say that regions has not provided this information. I am a XXXX XXXX and lost my employment. I just need help getting my lender to do what needs done so that I can receive the assistance.

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 2016-02-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Requested this company to c ease and desist and send the debt back to the creditor ... they did not still receiving letters when I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2020-03-03
Company: DISCOVER BANK
State: MA
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 did not authorize or have any knowledge of such inquiries. 

DISCOVERBA - XX/XX/XXXX XXXX  DISCOVER FINANCIAL SER Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NM
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Fifth Third Bank completed only one of 5 requests for transfer of funds with bogus reason. Charges fees for each transfer & commits the petty fraud of not providing the service, being a not-yet-ready for the Big Leagues of XXXX, where major fraud can be committed with impunity -- -5th Third, still only a junior partner in ruling the corporate criminal state. 
" This is to notify you that the external transfer request referenced below has been canceled due to service is currently not available for the selected accounts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.

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 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America has closed ALL of our accounts including  Checkings/Savings/Credit Card  with out ANY ex planation. When I called them - they said that this information can not be disclosed. All of our reward points are voided, some checks we written out will be cancelled and we will acquire late fees. Our credit report has gone down already.  <P/> After searching the internet - I found MANY similar cases other people  encountered. I smell SCAM.   XXXX   XXXX   XXXX    Please help! This is ridiculous customer service and they call themself - 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 monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX XXXX has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: NCC Business Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. 

Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? 

I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a car and it was financed through 5th 3rd bank in XXXX, OH. My last payment was XXXX XXXX, XXXX. In XXXX XXXX, I pulled the last 2 coupons and paid the last 2 payments. My payments have always been on time throughout the loan. 
On XXXX XXXX, XXXX ( yesterday ), I received a call from the bank ( a male ) saying that I still owed {$250.00} on the car and I explained that I had made every payment and had the coupon stubs to prove it. He said that they never put the last coupon in the book and that I still owed this one payment. I thought it was a scam so I got mad and hung up. I filed a complaint with my local Attorney General 's office immediately. This morning, XXXX XXXX, I got another call from the bank stating that I owe this money and I told her that I had filed a complaint. I also explained to her that I had completed ALL my payments and did not owe them anything. 
I do have the empty payment book with the stubs where the coupons have been pulled to the end and there was no information at the end of the payment book stating that the last coupon would not be found in the book. 
My credit is impeccable and I am very upset by this seemingly unethical practice of this bank. I am concerned that they will not release my title until they get this " extra '' payment ( which is definitely not owed them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, 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 disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, Equifax and XXXX ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: AR
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:
{$310.00} from XXXX XXXX XXXX opened XX/XX/XXXX after it was removed last year they re submitted it to the credit bureau. Also on XX/XX/XXXX a car lot ran over XXXX hard inquiries on me that I did not authorize. And the same go for the following dates XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These items have caused me hardship and pain in my life. My score has went down over XXXX points in the past year causing me to go from good credit to poor for something I did not do. Iv called the companies that have these on my record and they stated they don't have any record of me and I will have to contact the credit bureau but they haven't done anything at all to resolve the situation causing more hardship on there end.

Company response to consumer: Closed with explanation