BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Sir, Madam Over one years ago night time when i sleeping American honda company took my car before they take no body call me.When i wakeup in the morning i feel my car is lose than i call 911 they talk me your loan company taken your car because I had missing payment than i call back if you return my car i want makesure loan payment but they do n't want than they hack my credit please help me i want to open sushi restaurant. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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:
Experian, XXXX  & XXXX  were sent a Identify Theft Report Dated XX/XX/2020. I have heard from their results in this matter. I sent them a copy of police report, copy of the items that were fraud. Very detailed list of the items listed in each bureau. Not sure what else to do other than to keep sending out letters explaining the circumstances. 

XXXX  had a data breach that I was included but yet they still refuse to remove negative items that were listed as fraud from account. 
XXXX  too.

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 2016-08-08
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Allied Interstate collections agency has been calling my husband and I multiple times a day for weeks, never leaving a message for the reason they were calling. The woman that has been calling is named XXXX XXXX. I finally called the number back last week to find out why they were calling it went to her voicemail, but I assumed based on the lack of information she provided in her voicemail that it was a collections agency. So I left her message stating to either stop calling multiple times a day or leave a message when she called so we could appropriately respond to why she was calling. She stopped calling me and instead, started calling my husband. He finally answered the phone this morning and stated she was trying to collect a debt owed by my brother. My husband and I have nothing to do with my brother or his debts, nor are we legally liable for his debts. They have no right or cause to call us to try and collect on his debt. I asked for her employee ID as i stated I would be reporting her actions, she lied to me and stated she had no id number and that she was doing nothing wrong, she " does n't know who XXXX lives with ''. That is total nonsense I have n't shared an address with my brother in 15 years. My husband has never shared an address with my brother. I have no idea who they bought our contact information from, but I am sure it was an unauthorized source.

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 2020-06-11
Company: D2 Management LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved a call from this company asking for a particular person. I then had to ask who they were with before they would tell me. I then had to ask where they were based out of and the representative got upset and was refusing to tell me until i said i had the right to ask these questions before giving any information out. At this point he said that he couldn't give me information as i didn't " verify '' i was who they wanted to speak with. I wasn't asking for a person 's information. I was asking for the companies information. He finally told me they are based out of south Carolina. I then asked for the address of the company and the phone number. At that point he said " what are you going to write me a letter? '' He also asked " who is this helping? '' He refused to give me an address and a phone number. He told me i could look it up online. At this point due to his refusal to answer valid questions before giving out any personal information i let him know I'd be disconnecting the call for refusing to answer my questions and assume they are a scam. I do record all of my calls to protect myself from shady practices, companies, and scams. I did also look up their address and found that it is the corner of an empty lot full of trees. I even did satellite view of the address. And to answer his question of who it is helping. It is helping the people who are scammed by fake companies pretending to be collections agencies. That is who this helps!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I signed a stipulation of settlement ( attached ) in XX/XX/2015 which said my payments are due by the XXXX of each month, with a 7 day grace period. I have typically made payments on the XXXX of the month, but have decided to exercise my right to pay at the end of the month. 

I spoke with XXXX who said that the original deal I signed does not matter and I need to make payments by the XXXX. He said that if the payment is not received, my entire settlement agreement become null and void and I will be responsible for the full pre-settlement amount, and will have to prove my side by spending money on lawyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Mr. Cooper Group Inc.
State: PA
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: DriveTime
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Once again this company fails to answer questions directly ... The previous response listed the vehicle as a XXXX when in fact it was a XXXX. Furthermore they state the credit report they pulled showed the previous vehicle but no status ( since when does a credit report only show an account with out payment history, past due, etc ). So with those two obvious errors how can we conclude their staff acted appropiately? Chances are the staff that was involved in my loan doesn't even work there any longer. How can they prove what i am saying is inaccurate? Once again they fail at doing a thorough investigation. They need to provide responses from the employees I worked with and if they are no longer employed they need to buy back this loan. If they are not able to provide those response then this proves they are not thoroughly investigating this issue.They are not investigating this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.

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 2020-06-11
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 previously notified Equifax that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX 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 The XXXX, Experian and XXXX did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the XXXX, Experian and XXXX verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for XXXX, Experian and XXXX. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my Transunion credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XXXX 2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.

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 2016-09-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX and XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit report has an item listed that I have asked for verification and validation on multiple occasions. XXXX XXXX ACCT # XXXX The response that I got from them and the CRA 's says verified as accurate.

Under USC 1681 section 4 conducting a reinvestigation and USC 1681 section 5 a ... .and section 5 a i ... ..furnishers of information are to collect complete and full accuracy of information being reported or promptly delete the item.

Once again I am asking for a full accounting of how much they say I owe them and not 2 pages of a PARTIAL BILLING STATEMENT. This can not be considered a complete and full accounting to get a verified as accurate.

This unverified item has caused tremendous damage to my credit and credibility.

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 2017-10-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 years.

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 2021-11-21
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my Chase Visa card was charged {$120.00} for a yearly XXXX recurring purchase even though my credit card was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: AFNI INC.
State: TN
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: FinCo Services Inc DBA Current
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been a victim of identity theft and current bank and XXXX XXXX refuse to reimburse my money even though I have a police report and have sent them all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Designed Receivable Solutions, 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: Account status incorrect

Complaint:
I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: STATE FARM BANK, FSB
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am on collection from a circuit court in XXXX, Texas from a company that I have never conducted business with. The company is State Farm and I believe the amount is {$500.00}. I have never purchased any kind of product from them. I have never received anything from them. I 've never been associated at all with this insurance company so I do n't understand how I owe them anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a copy of my background check to a job i just applied for ... Its stating on there that I am ineligible on the STATEWIDE Criminal XXXX, XXXX, XXXX XXXX : TEXAS DEPARTMENT OF PUBLIC SAFTEYLOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' THIS IS NOT ME I HAVE NEVER LIVED IN XXXX, OR HAD A XXXX ECSPECIALLY XXXX OR MORE, I HAVE NEVER BEEN CONVICTED AND I WAS LIVING IN XXXX AT THE TIME IN XXXX RUNNING THE XXXX AT XXXX XXXX IN XXXX XXXX I DID NOT LEAVE THERE AND COME TO XXXX UNTIL XXXX OR AFTER WHEN THE XXXX HIT.. I DO NOT HAVE A MIDDLE NAME ... AND NEVER HEARD OF A XXXX. I NEED THIS REMOVED DUE TO THE POINT IT IS CAUSING ME NOT TO GET HIRED. I NEVER GO TO XXXX, MAYBE XXXX BUT NOT XXXX. 

WHAT PICTURE IS ON FILE FOR THIS CONVICTION? 
WHO IS XXXX? 
HOW CAN I REMOVE THIS? 

PLEASE HELP WITH THIS MATTERCASE # XXXX XXXX XXXXXXXX XXXX : XXXX : XXXX : XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, Equifax and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Today, X/XX/17, I tried to get a security freeze with Transunion due to the recent security breach at XXXX. Instead of getting a security freeze I received an email saying I had subscribed to XXXX per month credit monitoring. Deceptive marketing. I went online to cancel and I received notice that I would still be charged for one month. I tried to call, waited on hold for 20 minutes, then was disconnected. I tried to call again, waited for 30 minutes and gave up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notification of any unpaid balances was never conducted upon conclusion of the lease. XXXX XXXX XXXX did not contact us by phone or email. All lease and utilities were paid in full before turn over. It was over a year later that a third party sent notification of a debt.

Company response to consumer: Closed with explanation