BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: Access Financial LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call me on my cell phone and at work. Yesterday they called my work 20 times and keep harassing the receptionist and refuse to talk to HR when she tries to forward them there. The man 's name is XXXX and I told him to only call me on my cell phone as I can not receive calls at work and have already been talked to by my employer about the phone harassment they have been receiving. He yells at me with vulgar language and threatens that he will have the judge garnish my entire paycheck.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.

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 2022-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I NOTICED IN XXXX OF LAST YEAR THAT CITIZEN BANK WAS TAKING MY FUNDS FROM MY ACCOUNTS BY ACTIVATING CHECKING ACCOUNTS ON THEM. TWO WERE SAVING ACCOUNTS AND ANOTHER ONE WAS ON MY TERMINALLY ILL DAUGHTER SOCIAL SECURITY ACCOUNT WHICH I AM HER GUARDIAN, AND THE ACCOUNT IS IN MY NAME. SHE HAS NEVER BEEN ABLE TO DO ANY THING SUCH AS PAY BILL ALL HER LIFE.THE ALSO PUT {$410.00} ON A CREDIT CARD THAT I ONLY USED FOR XXXX. I TRIED TO SHOW THEM AT THE BANK BECAUSE I SAW IT AS SOON AS THEY DID IT BUT NOBODY WOULD DO A THING TO STOP IT. THEY JUST KEEP ADDING ON TO IT UNTIL IT WAS {$640.00} WHEN I GAVE THEM THE MONEY TO MAKE THEM STOP, BUT THAT DIDNT STOP THEM TWO DAYS LATER THEY SENT ME A BILL FOR {>= $1,000,000}. WHICH {$6600.00} WAS PAST ON THE CREDIT CARD THAT I HAD JUST PAID OFF, WHICH THEY HAD OVER CHARGED ME FOR. THEY LEAVE THREATING CALLS ON MY LAND LINE PHONE AND HAVE MESSED IT UP SO THAT YOU CAN NOT LEAVE A MESSAGE AND THE MESSAGES THEY LEAVE ERASE AFTER ONE PLAY, THEY MESSED UP MY TWO CELL PHONES SO THAT I COULD NOT USE THEM. THE ALSO HACKED MY COMPUTER AND PRINTED UP EVERYTHING IN MY MAIL BOX FOR ME TO UNSUBSCRIBE FROM THEM. I NEVER INVITED THE INTO MY COMPUTER. THEY CAUSE TROUBLE BY CAUSEING ME TO HAVE TO CHANG MY DEBIT CARD THREE TIMES AND CHANGE MY PIN NUMBER SIX TIMES IN LESS THAN TWO MONTHS THEY KEEP TRYING TO SIGN ME UP FOR LOANS OR REFINANCE THE MORGAGE. THEY WILL NOT CLOSE MY ACCOUNTS EVEN THOUGH THEY HAVE ASKED A LOT OF TIMES BY ME AND BY THEIR OWN BANK MANAGERS. I HAVE TOLD THEM I DONT WANT ANYTHING FROM THE, NO STATEMENTS, NO DEALS NO OFFERS JUST TO LEAVE ME ALONE THEY DO WHATEVER THEY WANT. TO DO. I WOULD NOT TRUST THEM FOR A LOAN ON A DOG HOUSE. THEY GET INTO EVERYTHING THEY CAN TO CAUSE TROUBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IA
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:
The following account currently listed and showing on my XXXX XXXX, Experian and XXXX credit report is a fraudulent account and the result of identity theft : XXXX XXXX XXXX, {$4000.00}, XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Account is not my account, a fraudulent account and the result of identity theft. XXXX Police Department Case Number : 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 explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/2023 I called XXXX XXXX  to dispute information that was reporting incorrectly on my credit report. I was transferred to the Credit Reporting Department with XXXX XXXX  and was told that " your account has been purged and is no longer in our system ''. I then asked if she could at least pull up my payment history on the account and she said, " No, I can't pull up anything about you in our system because your account has been purged from our system ''. 

On that same date, following the call with XXXX XXXX, I filed Credit Disputes with Transunion and XXXX online. I submitted a dispute letter and several files of evidence to support my claims. 

Transunion completed their investigation within XXXX business days and XXXX also completed theirs within XXXX business days. Neither of the Credit Agencies updated my credit reports with the disputed information although they both did make minor changes. 

If XXXX XXXX  has told me themselves that my account was purged and removed from their system, how did Transunion and XXXX verify any of the information that is showing on my credit report or the disputed information? 

The credit agencies actually removed half of my payment history from the disputed account. I was showing 79 % of on time payments prior to the dispute and because much of the monthly payment history was removed, my on time payment history dropped to 52 %. This account has been closed for XXXX  years and there haven't been any additional payments made on the account once it was closed. So, there's no way that my actual payment history percentage should have changed as that's not what the dispute was regarding.

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 2022-11-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent you a letter on XX/XX/2022 but it's been over a month now I still haven't got a response nor have you guys updated the status of the dispute on my credit report. This time I am seeking help from the CFPB with the hope that you're going to comply this time. This error is affecting me so much.

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 2023-06-13
Company: EQUIFAX, INC.
State: GA
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 is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: GA
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:
I am contesting the presence of unauthorized credit inquiries on my credit report, which were conducted in violation of Permissible Purpose 15 US Code 1681b ( a ) ( 1 ) ( 2 ). These inquiries were made without my consent or knowledge, infringing upon my privacy rights and potentially harming my creditworthiness. I have not granted permission to any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. Such inquiries were conducted without a valid permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and section 604 of the Fair Credit Reporting Act ( FCRA ). I hereby request an immediate investigation into these unauthorized inquiries and their prompt removal from my credit report. I kindly ask that you update my credit report accordingly and furnish me with an updated copy once the necessary modifications have been completed. The unauthorized credit inquiries in question are as follows : 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 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 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 XXXX XXXX 
I anticipate a swift resolution to this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates a response within 30 days of receiving this correspondence. Should you require any additional information or documentation to aid in the investigation, kindly reach out to me using the contact information provided with this dispute. Thank you for your attention to this dispute. I have confidence in your ability to address this matter with the required diligence and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Mercedes Benz Financial Services
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a certified used vehicle from Mercedes Benz in XXXX of 2021. There was an incentive in place where Mercedes would deduct {$500.00} from your first payment. When I received my onboarding materials I signed up for " Auto Pay '' to automatically deduct the payments from my checking account. I received a confirmation email from Mercedes that my auto pay had been set up correctly. I received a message today requesting that I contact Mercedes. I logged into the account and there was a message saying that auto pay had failed and that my account was now overdue. A late fee was assessed. I never received notification that the auto pay failed after they confirmed that it was set up correctly. I do not feel that I should have to pay the late charge related to their own technology issues. I have made several attempts to call Mercedes but there are excessive call hold times and I have not been able to get through to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes regarding my reports which they have claimed to have verified. there is a lot of inaccuracies, and inconsistencies on my report that is not metro 2 compliance. The following items on my report that was disputed : 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

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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXXXX/2018 were send to XXXX, XXXX and Transunion to update and or delete the information.

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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, On XXXX XXXX, 2021 I asked for a loan to Chase Bank for {$5000.00} Through my Credit Card and I told with a representative of the Bank for 2 hours about the loan and the interest I will pay to the Bank. He told me that the APR WILL BE 10.99 % and all the interest that I will pay to the Bank will be {$900.00} and that my Payment will be {$160.00} including ALL THE INTEREST AND EVERYTHING I SHOULD PAY TO THE BANK monthly. I Ask many times that if ALL I have to pay to the Bank monthly is {$160.00} every month and he told me YES. Also, I calculate with him how much interest I will pay to the Bank at the end of the loan when I pay off all the account. He told me that will be just {$900.00} dollars. After the first month that I payed on time my loan, I saw that they Charge me {$43.00} dollars extra and I contact them and they told me that it was an ERROR. They delete the {$43.00} dollars extra from my loan payment and they told me it will not happen again. On the next month XXXX/XXXX/2021 they charge me {$43.00} dollars extra again even though I payed on time ( the first day of the month ) {$170.00}. I contacted the Bank again and a XXXX told me that if I pay " {$380.00} they will not charge me {$50.00} or {$43.00} dollars extra anymore. I told him that my loan agreement was {$160.00} every month for the next three years but he convinced me to avoid more feeds and interest rate to pay that amount. I payed {$380.00} last month and he lied to me because they charged me {$43.00} this month too. I contact the Chase Bank Yesterday and a XXXX told me that she sorry for me but that the representative that helped me to do the loan did not " EXPLAINS ME VERY WELL ABOUT THE LOAN AND THAT NOW THEY WILL CHARGE ME BETWEEN $ XXXX {$43.00} DOLLARS EVERY MONTH. I told her that he was no fair because it was not what their representative told me when I apply for the loan. The Chase Bank XXXX told me that it was the agreement that i signed and that she can not do anything to help me. NOW THE BANK PRETEND THAT I PAY ( 50 % of the loan in interest ) {$2500.00} OF INTEREST FOR A LOAN OF {$5000.00} IN THREE YEARS. According to the XXXX NOW I have to pay {$160.00} PLUS {$43.00} ( ALMOST {$2500.00} ) just in interest of a {$5000.00} loan. I feel very disappointed and deceived with Chase Bank because it was not what their representative told me about the loan. He told that I will pay just {$160.00} every month for three year and that the Bank will earn 20 % of my loan ( {$900.00} dollars ) not 50 % ( {$2500.00} ) So please help me to resolve that difficult situation because I don't have the money to pay for that extra $ XXXX {$50.00} they are charging me every month. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-03-30
Company: EQUIFAX, INC.
State: CO
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 this account has violated my rights. 

XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Thank you for your help. Even if nothing happens I already feel better that someone will try to help. I have an issue with Transunion they have me fixed at XXXX or D rating. XXXX  has me at XXXX A rating and XXXX  has me at XXXX B Rating. 
I consider myself a very low risk for lenders. XXXX  has it absolutely correct while Transunion is almost criminal in keeping me so low. I signed up with them to see if that would change my score. Instead there has been no movement despite the fact that both XXXX  and XXXX  has gone up. The only consistent thing I have gotten from Transunion is marketing of products for people with low credit scores. I tried to call them and go over their metric system to see if we can detect where there was a flaw. I also advance up the ladder of managers and they were a broken record. There can ot be a glitch in our system and the computer is not wrong. 

I have no debt aside for mortgage. XXXX revolving available for purchase in 3 credit cards. My house is worth XXXX times the mortgage, and I have low mortgage payments. Cars are paid off. I have XXXX figures savings in the bank. I am not rich but I am not 'D ' paper. Does that sound like D paper? 

If they are doing this to me, I can only imagine how badly they are hurting the XXXX  Americans. I hope that someone brings a class action against them. They are so out of control and with no checks and balances they are dangerous to the American Economy

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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