BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
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:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Charge Off without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Exeter Finance Corp.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
RE : Creditor is falsely and misleading the amount owe on recent balance on my credit report. 
In a recent dispute with XXXX, Exeter Finance Corp stated the recent balance was updated to {$6400.00}. They also verified that the information they are reporting was verified. How is this possible? 
You are allowing this company to furnish an incorrect balance. The balance needs to show {$0.00} because this account was paid in full by the asset protection insurance attached to it. Please correct to {$0.00} or delete this account immediately. The account is charged off. 
This is a false and misleading tactic used by the creditor and is it illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried numerous attempts with Equifax to dispute information that's fraudulent, on XX/XX/XXXX XXXX XXXX appeared on repport with an original date is from XX/XX/XXXX. At every dispute whether by mail online of phone Equifax has changed the collection date each time to reflect the date that I have filed dispute as the time the item was opened making it seem like a brand new collection therby crashing my credit by over XXXX pts each time. 
I am attaching screen shots of my credit crashingXXXX  points then went up XXXX then back down againXXXX points again each month in dispute with XXXX having a yo-yo score 9 times. 
I filed police report and on XX/XX/XXXX and faxed it Equifax for the second time to Equifax on XX/XX/XXXX. Each time I have to wait 1 week for it to show up in their system. Each time the report never arrived in Equifax system byt I have email confirmation that the faxes were infact deleivered. 
I did some research an foun XXXX XXXX is collecting this account for XXXX XXXX which is a commerical merchant processing bank of some kind for businesses, not people. I am attaching a screenshot of the company XXXX XXXX represents. 

I demand an immediate resolution to this nightmare. I am attaching the police report, the " Commercial Creditor '' name I found to be related to XXXX XXXX XXXX which shows its a merchant credit card processor and my credit score going up and down every few days. 
I have been denied credit 3 times specifically because of Equifax ' willfull negligence on this account. Equifax has zero representatives to speak to in the United States which makes it an even worse nightmare, giving my personal information to someone in another country who in the end has royally screwed up my file everytime they have touched it.

There is a police report and Equifax MUST remove this account now. I was also a vicitm of Equifax ' data breach and Im wondering if this how this fraud came about?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Comerica
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2016-08-01
Company: Go Capital Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a car from XXXX, and GoFinancial is the lender. I received delivery of the car in XXXX 2015, got plates and had no problem with the car. XX/XX/2015 I moved to XXXX from XXXX. I went to the DMV and filled out the necessary paperwork to have my license plate transferred. To have the plates transferred GoFinancial must send proof of title to the State of XXXX. XXXX will not accept electronic proof of title. GoFinancial has failed to provide proof of title to the state of XXXX for a year now. I am paying for a car that I can not drive, because I can not get a license plate for it. I have been working with the title department of GoFinancial for about the last 6 months. When I call they tell me they have to order a copy of the title from the bank, and that that takes a few weeks. I say ok and wait. When I call back they never have any record of ordering the title. The last time I talked to them they told me the tile " appears to have been lost ''. I have asked them to take the car back and they told me that would negatively effect my credit and I would be responsible for any negative equity the car may have. At this point I have been paying for a year for a car that I can not drive.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates is attempting to collect a debt after I provided them proof that the debt was paid to the original creditor, prior to receiving any information from Wakefield & Associates.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: OK
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: Billing dispute for services

Complaint:
I have contacted Experian many, many times. I can not access my dispute center online. I keep getting a pop up that says We're having technical difficulties. I called and got a representative that said her name was XXXX. It was difficult to understand her. The representative got and attitude, interrupting me. Angry that I would question anything. I simply wanted to make sure that the information was correct. I have the conversation recorded. After I disputed with her on XX/XX/XXXX I tried to upload supporting documents and it wouldn't let me upload. I'm not the only person who has had trouble. I decided to mail the documents which I did on today 's date, XX/XX/XXXX. I ask them to fix it over and over for about a month now. They say they'll fix it and they don't. I submitted my disputes on the phone with her on XX/XX/XXXX. Today, 2 days later, it is completed. I couldn't access online and I couldn't upload so what else can I do except mail it. The expected completion dates are XX/XX/XXXX but she used her position of authority over my credit report and gave me only two days instead of XX/XX/XXXX. She's retaliated because I kept asking questions. She appeared to be someone she thinks of herself as never making a mistake and if you question her, this is what happens. She's using my information as a weapon against me.

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 2015-04-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a few XXXX credit card account 's with my wife, however, there is an individual past due XXXX account listed on my credit report, as an individual account. I have never had an individual account with XXXX. I have asked for copies of documents, to no avail. This is not my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my TRANSUNION consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, 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 2022-05-19
Company: Security Credit Services, LLC
State: FL
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:
There XXXX unrecognized charges on my credit report that I didnt make sound can you really upset they trying to buy a car in something else and a phone That kisss me upset and Im trying to get my credit record clean because in the future I wan na get my house and a car and anything because I have a baby on the way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to work with representatives at Selene Finance for over a year on resolving the short-sale or Deed in Lieu of my former home. I am constantly promised return phone calls and resolution to my matter month after month, only to learn that my case has been once again reassigned upon following up. They NEVER return my calls within the time frame given and I am always given " the run around '' when I call concerning the status of my account. For the last two weeks I have been promised phone calls to discuss resolution, but have yet to receive XXXX. I again called today to get a status update, but no one could give me an answer, nor did they have any idea what I was talking about. I have tried to be patient with them and have given them more of my time and information than necessary. Their customer service is a disgrace to the finance industry and is costing me valuable time that I could have had my home on the market and sold, but can not list it without their approval. Their lack of urgency has also cost me XXXX previous interested buyers in the past when my home was eligible to be placed on the market. They have no structure or protocol to follow with respect to these situations, which has brought me to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions 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: 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 two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Choice Mtg INC.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

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 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2022-05-19
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: SC
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 XXXX XXXX XXXX XXXXXXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation