BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
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:
XXXX XXXX XXXX solicited one of my companies for an XXXX XXXX XXXX XXXX, which my business received. Our business was exclusive to XXXX, so we had no other revenue source but our revenue was already $ XXXX in the first 6 months. However, XXXX abruptly and without any explanation closed our XXXX store and suspended our account. Therefore, my business could no longer afford to pay the loan until we resolved the matter with XXXX, who still owes us over XXXX XXXX XXXX XXXX explicitly told me and one other equity owner of this business that the loan was NOT PERSONALLY GUARANTEED and I provided two separate emails with XXXX  employees assuring us that only our business credit would be effected if we defaulted. I provided this proof to all XXXX bureaus and demanded removal of the charge off showing on my credit and all XXXX STILL have this on my personal credit report, which has reduced my credit score from XXXX to XXXX! I need this removed immediately!

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 2016-07-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a random collect call collection on my account. there is no information anywhere on this and i dont accept collect calls. this is a random act of false information on credit reports trying to attempt collect a debt i do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28
Company: MARINER FINANCE, LLC
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19 an unauthorized withdrawal from my checking account was made by cash net I was then find {$35.00} from my banking institution based on insufficient funds.then again on XX/XX/XXXX another withdrawal was attempted by cashnetusa.com unauthorized to my checking account and although B withdrawal request was denied I was charged another {$35.00} for overdraft fees to my account by my bank. 
Again neither of those withdrawal request were authorized by me they were both in error and I have a recorded conversation by phone yesterday XXXX the XXXX  with a cashnetusa.com supervisor her name was XXXX admitting that know they were not supposed to have attempted those withdrawals. As I was uncomfortable with her just admitting that they were in error I demanded that they reimburse me for the {$70.00} fees I was having to pay to my bank and she said that cashnetusa.com would reimburse me for those Vines and then they would accurately with my authorization remove the funds from my account this coming Monday on XX/XX/XXXX and I agreed.they just requested and required me to email them a copy of my statement showing a direct correlation between their attempt to withdraw funds in my account going into overdraft and the vine that was given to me which I did email that to them yesterday on XX/XX/XXXX. 
However later in the evening on the XXXX I received an email from CashNetUSA confirming that I had this conversation with supervisor with their company but did not appropriately define what was stated in that conversation ignoring the fact that they were in error and in the email it was threatened by them that I pay this overdue bill that they attempted to remove from my account early and were unsuccessful now it's considered overdue and they are putting me into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Dwight Financial, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Everytime my husband or I call we are getting different stories. We have a letter stating that XXXX payments was our final payment for our motorcycle and we just had to pay fees for not having insurance. We have been calling for the last week trying to get info on the fees. Everyone is so rude there and now is saying XXXX is our final payment ( which makes no sense ) saying that they never received XXXX payment but then stated they received a cashiers check XXXX XXXX ( which would be considered XXXX payment ) now theyre saying theyre going to put a 30 day late on my credit which i dont see how they can do because there is no payments left besides the fee for no insurance and they cant even give us a straight answer on what is owed. Everytime someone answers its a different answer. I have never been late in the 4 years i have had this loan and i have never been treated with such little respect ever in my life. I closed my bank account XXXX XXXX payments come out XXXX XXXX they received a notice the account was closed XXXX XXXX, they received my cashiers check XXXX XXXX and since then i have been trying to figure out what is owed to pay the fees off and one minute i call and its they never received a cashiers check now its they have then it was XXXX was the pay off then its XXXX they have absolutely no idea what theyre talking about and its only 2 women that answer the phones there!!! Its absolutely ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly update or delete all information that is inaccurate, incomplete, or which can not be verified. 

Youre reporting inaccurate and inconsistent late payments. Details are listed below : XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days

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 2016-08-11
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Former employer is making me responsible for business expenses incurred. I am not sure if expenses were due to fraudulent activity. Company would not give me statements. I sent Credit Card company payment for expenses I was responsible for. I am being told to pay expenses I DO NOT OWE. Company sent me letter if I DO NOT contest in 30 days I WILL BE responsible for amount. Please advise. Please help me protect my credit.

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 2017-01-09
Company: National Credit Adjusters, LLC
State: AZ
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 continue to receive phone calls from a debt collector regarding a loan that I have never taken out with this company. I have asked this company to provide documentation or a contract related to this loan and they have yet to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Midwest Recovery Systems
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Midwest Recovery Systems
State: MS
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:
Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender will not cancel PMI even though my home my has gone up significantly in value which as a result brought my loan to value ratio down to 60-70 % ; far below the 78-80 % minimum requirement. They state that is based on the loan amount not the fair market value which again is much more than I purchased it for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My XXXX credit accounts where closed abruptly without notice I called in spoke to the security team member by the name " XXXX '' He confirmed that all my account where closed He offered to review my account but he would have place me on hold 3-5 mins he came back and told me unfortunately would they would stay closed, he gave me no options The reason given was " not enough credit on credit file and " too much credit extended '' He also said my account activity raised concerns!! 

I feel bullied, I did absolutely nothing wrong. 

why did chase extend credit to me in the first place. 

Why did n't they just decrease the amount of credit given. 

Im just left with nothing, not XXXX of the account where past due I was gon na pay each line in full this friday. 

no balances where gon na be carried over into the following month I have a XXXX income from being re seller on XXXX XXXX helps me better maneuver during a 30 day period I was n't even given the chance to pay the bill The security rep was very nasty and smug.he laughed when I explained that I would fight this unfair treatment he seem not to care that I 'm homeless with XXXX children under XXXX my credit rating will be destroyed due to XXXX closed account with short payment history. 

I moved up to XXXX to be by my sick mother but now I do n't have enough credit to maneuver each month. 

Chase allows XXXX credit line in 24 month period and extended the max too me so why am I being penalized for something when i did nothing but utilize the credit extended. 

Can someone on the executive level please review my account and re-open my account. 
I can submit financials, identity document, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had quite a bit of frustration after receiving information that I would be charged upwards of {$33.00} an hour to have someone find a transaction for me from XX/XX/2015. I told XXXX from the Grand Haven branch on XXXX XXXX that this seemed backwards to me that I would have to pay to access my own history. She stated that it was the policy and that she stand by it. I told her that seems really unfair and that it does n't make sense that I would be charged when in my opinion the payment equals out pretty well considering that its the combination of they customers money that allows Chemical to loan money and earn interest. She laughed lightly and continued to state that this conversation is not going down that path. I told her alright well I do n't want to pay that, and I 'd like to file a complaint not on the person, but on the policy because it does n't seem fair to me ( I just want Chemical to know that because none of the credit unions I belong to have ever asked that ). She giggled again and said that she would transfer me but then hung up on me. I called back again and asked why she hung up on me, she hung up on me again. I called for the 3rd time and the call was answered and immediately send to a waiting line. Around 3-5 minutes later someone answered, apologized for the situation and said that I had been transferred to the wrong line. I said thats okay and she transferred me again but I have now been on hold the duration of me typing this message. ** editing this after 12 minutes on hold - I was hung up on again from the call waiting line. 

Overall, I came in rather disgruntled at having to pay a lot of money to look up one transaction on a specific date and time, and I came out with a total distaste for the employees at my bank. This is why I prefer to deal with credit unions. I will not be banking with Chemical for much longer.

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 2016-05-05
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hillcrest Davidson & Associates contacted my mother ( XXXX Party ) about a frivolous claim that I formally disputed and have not been provided backup or documentaion on. 

1. Disclosed detailed information about disputed claim including slanderous allegations of fraud. 
2. Obtained the contact information illegally from an employer ' s emergency contact information. 
3. Continously harrasing XXXX party after being asked not to ( In writting ) on several occasions.

Company response to consumer: Closed
Consumer complaint received 2016-12-01
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received an alert from my credit protection account that XXXX collections account were posted on my account from Midwest Recovery Systems with the original creditor being XXXX XXXX. The information on both collections account was the same and reflecting I owed the amount of $ XXXXfor each collection account. The only difference was the account numbers had a different last digit number. I have never done business nor heard of a company called XXXX XXXX. The collection agency ( Midwest Recovery Systems ) have never contacted me regarding this debt and gave me a chance to dispute it within the 30 days. I just woke up XXXX morning and XXXX collection accounts were there. Four days later after they added these collection accounts to all XXXX credit bureaus, I received another alert stating that my information was found through the XXXX XXXX and was possibly sold. I have an identity theft report and have disputed this with all XXXX credit bureaus. I have also filed a complaint with the XXXX in which I saw this company has had over XXXX complaints with the same issue that they were not notifying people of collection accounts and just placing these fraud accounts on their credit. I decided to report them as well to the Consumer Financial Protection Bureau because it seems this collection agency are not conducting business legally and just placing false collection accounts on consumer 's credit report without allowing the information to be verified or the consumer a chance to dispute it. I am in the process of purchasing a home and this has majorly impacted my credit where I can not obtain a home. I do n't want this to happen to another XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. This situation as cause me stressed and is slowing down my process of getting a home. Also I am a victim of the XXXX  data breach. Its been over 45 days and i have not gotten any results.

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 2016-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Since becoming an Equifax customer my score was about a XXXX at the start of the membership. There were many debts at that time, some were not valid, some were paid before going to collections. Oddly after removals of the inaccuracies my score dropped more and ore since becoming a customer. With improvement my score should stay unchanged. 
With the issues I had prior XXXX complaints as my score dropped at times by up to XXXX points. and right after the XXXX complaint closed they dropped again another XXXX points with no changes to my credit report that would justify the drops continually. Replies were not justifiable as at the start with many wrongful debts I had a very good score and today with removals and improvement my score has dropped too much. I gained new credit, reported as good credit, paid on time, paid typically the balance in full, and again they are dropping my score by about XXXX points each time they drop without justification. Common sense tells you that when you are a new customer with a score of XXXX with allot of wrongfulness, no good credit at the time, all wrongful removed, new good credit that today my score is a XXXX, so what does that tell you they have done immorally to my score.

Company response to consumer: Closed with explanation