BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Waypoint Resource Group, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I negotiated a settlement offer with receivables performance management llc. When I originally made the payment arrangement, I was told by the representative that if any situation arises to let them know 48 hours in advance, and they will work with me on resetting a date for the payment that will work with me to withdraw the payment from my bank account. On XX/XX/2023 I was separated from my company and when I try to collect unemployment benefits, I found out that I was a victim of fraud and have to go through a ID verification process with the Connecticut Department of labor. After submitting all required paperwork to the department of labor, I contacted receivables performance management , LLC to advise them of the situation. I explain to them that I am a victim of fraud with the department of labor and I am waiting to be scheduled for an ID verification interview which wont be until next week and the investigation could take up to two weeks and then an additional week after that to collect unemployment benefits, so I asked if they can push the payment back three weeks and they were not willing to work with me. They said that they can only push it out one week and then it would void out the agreement. I then reiterated to the representative that when I originally made this payment arrangement of what I was told, he said that he would speak with his manager. He put me on hold for two minutes and came back and said that there was nothing they can do. They could only push it out to the end of the month. I advised him that I will not have any money at the end of the month because of the fraud investigation And asked to speak with a manager. The representative refused to let me speak with the manager. I have offered them documentation supporting my claim and they denied the offer. They are not willing to work with me despite the original agreement.

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 2019-12-13
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-19
Company: EQUIFAX, INC.
State: TN
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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Patrick K Willis Company Inc
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I spoke with a XXXX XXXX that works for XXXX XXXX in my attempts to talk with her which the customer is always right, she was rude she threaten and used abusing language when asking her where the location of my repossed automobile was< which repossession is a violation of the state constitution and federal law 15 USC 1692c ( b ) and federal law 15USC 1692e ( 4 ) XXXX XXXX XXXX was very unprofessional and hung up the phone on me! XXXX XXXX has violated federal law and mine and the state of Tennessee my constitutional rights! They violated my constitutional rights of Article 1 Section 7 which states that people shall be secured in their persons, houses, papers and possessions from unreasonable search and seizures XXXX violated the constitution by seizing my vehicle without the consumer direct permission which is theft and deceptive fraud! XXXX also violated federal law 15USC 1692 ( B ) by contacting and conspiring with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX in XXXX, Tennessee to steal my property protected by the Tennessee constitution Article 1 Section 7! XXXX and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX a third party violated federal law 15USC 1692 ( B ) communication with third parties Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as a reasonably necessary to effectuate a post judgement judicial remedy, a debt collector May not communicate, in connection with the collection of any debt with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law and this is a violation of 15USC 1692 ( E ) which also states the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the Seizure, garnishment, attachment, or sale of any Property or wages of any person unless such action is lawful, and also the threat to take any action that can not legally be taken or that is not intended to be taken! XXXX! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated and disregarded federal law by committing an act of theft and communicating with third parties without my consent the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX has a wrong address on my credit report : XXXX Equifax has a wrong address on my credit report : XXXX My correct address is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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 got a copy of my credit report and was shocked to see what was on my credit report. N accordance with the FCRA the Department of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written consent

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 2021-07-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
Credit Collection Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested mortgage load application from Cardinal Financial on XX/XX/2020. They called me and one Loan officer XXXX XXXX ( XXXX XXXX ) spoke to me. Promised me low rate of 2.375 % for a 15 year mortgage and said could get away with the points after running credit and talking to his manager. 
He gave me the numbers on the phone and promised to give me the loan estimates after the credit pull is done. To my surprise he already has my SSN to run credit. 
After he ran the credit ; he said the numbers have change little bit. Again gave me the numbers on phone, but I asked if the loan estimates could be mailed/emailed to me. He said, " All the numbers I gave you, you can write it. Why you need load estimates? ". After I insisted on loan estimate, he said it will be mailed within 3 business days and hung-up on me. 
I called several times and left voice mail to him to provide me the estimates. I did not got call back. 

Finally, On XX/XX/XXXX, I reached out to the company customer care and enquired about my application. They again forwarded me to no-response voice-mail of XXXX. I finally called customer care and asked for XXXX XXXX  full name and NMLS ID. 

Then I emailed XXXX and again asked for the loan estimates. And I got following response on email. 
" We had gone over all the fees and cost and you rejected the option I provided. I'm not sure how I can help you? Did you not end up going with XXXX? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Transunion.XXXX, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion will not update my XXXX XXXX and XXXX XXXX account to show XXXX XXXX  instead they will hang up and not fix the issue

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2021-12-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue is with the overall lack information provided to me by my student loan servicer back in XXXX, when the Public Service Loan Forgiveness ( PSLF ) was created. At that time, I believe it was Navient. However, it changed several times so I'd have to do more research. Reason I discuss lack of information is that many times I spoke to my loan servicer ( s ), not one time was it mentioned to me about the PSLF program, and what was needed to qualify. Rather, because I had just started to work for a qualifying job ( Government employee ), my income was low so I discussed options with the loan servicer. Their recommendation, every single time, was to place my loan in deferment until my income increased to afford the payment. I wasn't even provided the option to discuss Income Based Repayment ( IBR ) plan to at least see if I can have a more manageable payment. Thus, for well over 5 plus years, my student loans stayed in deferrment under advisement from my loan servicers. The end result, up to now, was my loan doubled due to capitalized interest ( went from appx. $ XXXX to $ XXXX ) when I finally received information from XXXX about the PLSF and IBR and commenced making payments. Up to now, I've made XXXX qualifying payments. But, if I would have been informed of this long ago, I would've qualified for a more affordable payment under XXXX, commenced making payments to go towards the PSLF required XXXX payments, and avoided a substantial portion of my loan from capitalizing interest to principal. Now that it's been close to XXXX  years since I commenced having to pay my student loan, my payments are much higher, even under the IBR, due to my income increasing over the year. However, although my income is higher, the larger payments are still a substantial burden. Again, had I been informed of these options back in XXXX, I would have been better informed, wisely, to make payments. Now, with no forbearance ending in XX/XX/XXXX, payments commencing XX/XX/XXXX, I will have a higher payment. What are my options, if any, as I will be in debt until XXXX to forgive my loan under the PLSF. That would be XXXX  years after I graduated!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

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 2023-01-24
Company: EQUIFAX, INC.
State: WI
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 : # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Early Warning Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My account with XXXXXXXX XXXX was restricted after I made a deposit into my accounts because of Early Warning services LLC. I was told to call them to resolve the issue, they arent open on weekends which is ridiculous and on weekdays they open at XXXX est which is late for something of this nature, once getting in contact with them they didnt help with anything except offering my credit report to dispute discrepancies if found. They offered to email it to me as a faster option then proceeded to tell me that even the email will take 1-15 business days WHICH IS RIDICULOUS. What is the point of an EMAIL option if it takes the same time as regular mail? Overall this is ridiculous and not helpful because my money is now locked away in a restricted account! Now while trying to get a clearer understanding of what actually is happening XXXX XXXX has had me on hold for a hour!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Nothing has happened. There still reporting inaccurate information and accounts on my report. I have reached out certified mail on several occasions with no 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 non-monetary relief