BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: Select Management Resources, LLC
State: VA
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
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:
My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CEASE AND DESIST COLLECTIONS AND STOP CALLING MY MOTHER AND FATHER XXXX I WILL HANDLE THIS MATTER IN COURT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by XXXX however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello CFPB, I had three accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, XXXX and TransUnion continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation 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 2020-12-30
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX I received a derogatory remark from equifax on my account, from XXXX XXXX for {$14.00}. I have not received any service from them. I have not received any bill in the mail from them. I haven't even been x-rayed in two years. I submitted a dispute XXXX XXXX. No response still and it's XX/XX/2020 as I'm writing this. They have had plenty of time to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Credit Solutions
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
on XXXX/17 I called to pay off a debt, paid it in full and asked for the paid debt to be deleted/removed from my credit report. I was told it would. I called back to day XXXX/17 after pulling my credit and saw that it was n't and asked for a supervisor ( Credit solutions - XXXX, XXXX ) and he said it was company policy not to delete or remove from credit reports, he said that if the previous call recording proved that I was promised such thing - he would honor it. So I said, you are capable, please just do it, by your company policy do you realize you are keeping people from getting on with their lives. He then tried to shame me stating that it had been 2 years since the bill was put to collection and the only reason I was paying it now was because it was in collection- stating clearly that he felt he understood why I did n't pay the debt until now.. I stopped him and told him he would not turn this around on me and asked him again to please take it off my credit report. I should not have to explain why and ambulance bill quickly went to collections and then why it took so long to pay it. It is none of his business and it is bad business practices to refuse to clear the debt off the credit report.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-28
Company: Linebarger Goggan Blair & Sampson LLP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Bread Financial Holdings, Inc.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX  XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {$1100.00}. I applied for this card through the ticket purchasing transaction process at XXXX. 
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX  ). 
Later on, XXXX issued a permanent card. 
Travel Dates : XX/XX/XXXX ( XXXX  to XXXX  ) - XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX  / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic. 
XXXX confirmed that XXXX XXXX issued a refund of {$540.00} on XX/XX/XXXX. 
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ). 
However, the initial charge and the payment I made are showing up on this permanent card. 
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ' customer service departments from the past three months. 
Message from XXXX : " We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. '' Another Message from XXXX : " According to our notes, our customer booked the reservation using their XXXX  card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX. 
The cause of the missing refund is because the original form of payment is already expired. '' I strongly believe that Comenity Capital bank doesn't have the correct account synchronization/integration between the temporary card and the permanent card. 
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management. 
Absolutely no help from the regular customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My son, XXXX XXXX XXXX, falsely claiming to have power of attorney got access/was given my court ordered spousal support payments, ensuring my ex husband, XXXX XXXX XXXX, that he would administrate my finances. He insinuated his way into my business, including a loan I had at XXXX XXXX on my Jeep Commander. I had an auto-pay arrangement for my car payments. I am not sure how XXXX was paying them but he missed, and/or was late and the car was repossessed. The bank sent everything to him not me, even though I was the client and had the loan. I have no idea what happened. XXXX caused terrible trouble for me from XX/XX/XXXX -XX/XX/XXXX before he stopped. I have to clean up this mess because it is preventing me from getting an auto loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
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 is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: EQUIFAX, 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:
Equifax is reporting a medical debt on my credit with out listing the original creditor. They are are not listing a name on the debt. I have mailed them out multiple disputes, I do not get a response at all. I have included screen shots of what the error is. Its been a year and I have not gotten the items removed. Since they are not reporting the name of the original creditor I do not who to call in re to the debt. Can you all please help me with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I also tried to dispute it with XXXX and Experian but they both put a wall up as well. I suspect they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all three credit bureaus past the XXXX years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check 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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with Capital One to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted Capital One and the reporting agencies. Capital One long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: UT
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:
There are XXXX Collection Accounts on my Credit Report from XXXX XXXX and XXXX XXXX. They are not valid. They XXXX XXXX XXXX XXXX had approved disputed charges with XXXX. These are the amounts in question- and they were approved disputes. This has nothing to do with XXXX who harasses me via phone with blocked numbers every single weekday. I have had to change my phone numbers 5 times. Further they not only threatened me, but they ruined my credit without me even knowing how they were at first. They violated 4 Hawaii laws as they do not have business even contacting me while I was in Hawaii, and violated Utah law too as they aren't a registered entity here either. Yet they continue to Park Debt despite the FTC lawsuit on my Credit Files with all the major bureaus. It was only after reporting to XXXX that they sent me 5 statements that are way after I stopped my relationship with XXXX XXXX. they don't know the history and the Credit Bureaus side with them because their client is XXXX XXXX and all three Bureaus get money from marketing with XXXX XXXX so they ignore the consumer and allow XXXX to fraudulently park this debt that is not mine on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Select Management Resources, LLC
State: SC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have spent months trying to work with the dispute department over an illegitimate charge made to my Discover card months ago. I have never known such incompetence in my life. I have spent hours with the dispute team ... .and a month ago, trying to get them to understand that I was not going to pay a {$52.00} charge that XXXX made to my Discover card, for a service that I did not receive, I thought that they FINALLY understood, and would handle the dispute accordingly. Just as with Discover Bank, Discover Card is the egregiously incompetent. After saying that they would handle my dispute, I saw tonight on my bill that AGAIN they put the charge back on my card! I paid of another transaction on the statement and closed the Discover card tonight, because I have had enough. It's like a merry-go-round ... ..month after month!! 

It is of great important that I let you know that I received a notice for 2 months from this incompetent credit card company about a dispute for {$140.00}, that I could make no sense of. It turned out ( by their own admittance ) that I was receiving a dispute for another customer ( by accident )!! This credit card company has should be put out of business for the level of incompetence that they dish their customers!!!!!!!!!!!!!!!!! I think this other account holder should be notified that I was receiving THEIR notifications about a dispute that they were trying to have resolved!! 

I have several XXXX credit cards, and a Mastercard, and have never before experienced issues with the dispute process, or customer service, as I have with this incompetent company, Discover. I would ask that you protect me as a consumer, and not allow them to harm my credit rating, for an illegitimate charge that was made to my card by XXXX. Please help me with this issue, and if possible, have Discover reprimanded for their continued incompetence ... .both in banking and credit card services. Thank you.

Company response to consumer: Closed with monetary relief