BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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

Company response to consumer: In progress
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.

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 2023-08-24
Company: Stellantis Financial Services US Corp.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Ohio and was financed through First Investors. After struggling to pay the loan, and XXXX repossessions, the vehicle was eventually totaled and not reimbursable by XXXX leaving a balance of over {$17000.00}. The account was turned over to an attorney 's office who took me to court and we agreed to a reduced payment plan. I recently learned about XXXX protections and my husband is currently XXXX XXXX with the XXXX XXXX ( enlisted in XXXX ) and is also an XXXX XXXX. I sent a written request for XXXX benefits along with my husbands orders to First Investors, who denied the request stating that Ohio is not an exception state for the XXXX for spouses on XXXX XXXX and are not co-borrowers. I contacted them back since Ohio is a KP state and that per Ohio revised code 1343.031, XXXX benefits are required to be extended to spouses. Their compliance department reviewed my account and Ohio statutes and said my loan does not qualify and to refer to my original denial letter.

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 2022-07-05
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 am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently 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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. ENHANCED RECOVERY COLLECTIONS, has violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation.

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 2023-01-14
Company: ClearOne Advantage, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello, I signed up for clear one advantage. They are a debt reduction program meant to negotiate with your creditors for you. I have them {$510.00} for 6 months. They made a settlement in XXXX with XXXX XXXX  one of my people I owed money. I had to miss one payment and they said it was fine. Suddenly on XX/XX/XXXX I get a threatening call from them telling me to pay them {$210.00} or XXXX XXXX would drop the settlement. I was given until XX/XX/XXXX and suddenly on XX/XX/XXXX clear one advantage  sent me an email saying XXXXXXXX XXXX dropped the settlemnt and they had given away my entire {$2700.00} and that it would not count towards the settlemnt but to the original amount owed. I contacted XXXXXXXX XXXX to continue the settlement because I never gave permission to give all my money away plus I planned on paying them literally on the XXXX as it was my pay day which clear one knew. Well XXXX XXXX said they only made 2 payments of {$210.00} and nothing else was given to them. So clear one advantage had stollen my money and lied about it. I have contacted them multiple times a day every day since they refuse to answer any questions. They wont even talk to me. It is clear that clear one is stealing money from people who are in heavy debt. They didnt even do anything for me! Not one debt was settled alll they did was collect my money for 6 months which I could have done on my own. This sounds criminal and I contacted the police who want me to take it to court but I dont have money to do that. I am already broke and now my credit score is slammed thanks to clear one telling me not to pay my bills for 6 months. They have put me in ruin. I am about to have to leave my apartment and I cant rent a new one thanks to my credit score being depleted. They have literally robbed from someone who had nothing and is now in danger of being homeless. Please help! also I called XXXXXXXX XXXX and they told me they did not give them any money at all and that clear one advantage lied. Oh and they are never available to talk. They hang up on you and they wont respond to emails or texts. I have been trying to find out where my money went and they refuse to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX I got into a car accident and the car was a total loss. I no longer have the car! I had owed XXXX something so I had keep paying it. I didnt want my credit to be ruin. To this day XXXX I still owe the same amount. I had called Santander so many time and they said they cant do anything about it that I need to finish paying it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: In progress
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
XXXX XXXX XXXX XXXX purchased my mortgage from XXXX XXXX XXXX XXXX XXXX XXXX AKA? XXXX. Bank neglected to transfer the auto pay information to take funds to pay mortgage monthly automatically as has been done for over XXXX years perfectly and on time. They then mistakenly send statements and delinquent notices to the property address which was on file as being changed years previously and the original bank had changed. Once the new bank called they immediately ACH the fund and brought the loan to current status as it has always been. They then reported that the account was 30 60 90 days late which is inaccurate and untrue as it was the banks error and should not be reported as late on my credit report. Each and every other over twenty accounts are paid on time and have a perfect history for the entire reporting period.

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 2019-12-30
Company: AMA Advisors, LLC.
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX, I called my mortgage company Homebridge financial, to  find out if I was still signed up for auto pay. The representative I spoke with said that indeed, I was not on auto pay and would need to make a payment for my mortgage over the phone. I did this at her request. The following day and additional mortgage payment was drawn from my bank account causing me to go overdrawn. Apparently I still was signed up for auto pay, even though the representative told me I was not. When I spoke to Homebridge, they informed me that that there was nothing they could do but to have a check refunded back to me which would take 15 days. Meanwhile my bank account was overdrawn for the amount of my mortgage payment which was over {$2000.00}. 
I informed my bank of what was happening, and asked them to put a stop payment on the second mortgage payment that had been debited. The bank did so. After many many phone calls to Homebridge to sort out the problem, they then said that I actually still owe them a mortgage payment when it clearly said in my bank account that they had already been paid. I even gave them the debit transaction number stating the amount that had been debited and that has shown in my bank account that had been debited. 
Each representative I spoke with, and there were probably 10 to 12 different people including supervisors and managers that I spoke with, told me different information. Information that conflicted with what the previous representative told me. I also requested a copy of my note on 4 to 5 different occasions. It took over 15 days for me to get a copy of my note. When I inquired why it was taking so long and why I had to request so many times, each representative informed me that it was either a wrong work order that had been put in or some other bogus reason why the request could not be granted. Finally I had a third-party from my bank get on the phone with me and speak with a supervisor to get some resolution. We requested a copy of the note be faxed to us, to which the representative told us it should get to us within 4 to 8 hours. Nothing happened. Several days later a fax showed up that looked like a note but it was completely illegible. 
Homebridge argued with me back and forth for 19 days, each time I was the person who had to call them, even though I had requested call backs to help resolve the issue. They told me I had to make another payment because it still showed I hadnt paid regardless of what my bank said. In order to not have negative impact to my credit, at this point I made another payment. To add insult to injury, they charged me to make this payment over the phone and then added late fees into the payment. 
This is the most ludicrous, inept, unprofessional, boardering on illegal, company I have ever had the displeasure of dealing with. They still have XXXX of my hard earned money, my bank statement proves it. But they are saying too bad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
First progress does not acknowledge the military lending act nor the XXXX. I have given proof of XXXX XXXX orders as well as proof of becoming permanently XXXX from my service time. They state I am not on an XXXX XXXX registry currently. Obviously not, I became XXXX in XXXX and can non longer work, let alone be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit reports disclose 7 Citibank accounts with disputed balances. These 7 accounts were all referred to multiple debt collectors in XXXX and XX/XX/2023, however in violation of the FDCPA I only received the required 5 day notice from 2 debt collectors for only 3 of the 7 accounts. The required debt collector notices were never sent for 4 accounts although required 5 days after the initial conduct. I have responded at length to 3 notices and intend to respond to every debt validation notice. The deadline to file the 5 day notice has long expired. Kindly Sen me the required 7 notices for all 7 accounts so that I may respond to all of them. I need the card agreement guide for every account. Pursuant to multiple previous communications, I have demanded and elected to choose mandatory binding private arbitration with XXXX as the sole available forum to resolve disputes pursuant to the arbitration clause provisions. As previous communicated, every account matter is effectively in arbitration lacking the mere ministerial payment by Citibank of its 100 % share of the XXXX arbitration fees and formal filling of Claim documents with XXXX. Any validation notice shall be considered your XXXX  Claim.

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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I would like to file a complaint against Bank of America as their gaps in process is promoting frauds. 
i. I deposited money received from XXXX XXXX for my dining table set. The deal was through offerup. XXXX was planning for a fraud which I was not aware. She had to pay me {$700.00}, but instead paid me {$2200.00}, asking me to pay to movers as her manager made two checks instead of one. Although I resisted, she convinced me. I was making a cross country move and wanted the set to go away and agreed. 
ii. The check showed as deposited on XX/XX/XXXX in my bank account. I transferred {$1500.00} to XXXX XXXX on XX/XX/XXXX through XXXX ( Phone number - XXXX ) based on the BOA status as the money had come in my account. ( {$2200.00} - {$700.00} = {$1500.00} ) iii. The bank took away the money on XX/XX/XXXX from account mentioning the check has bounced as part of their verification. My XXXX transfer money got deducted from my account. I incurred a loss of {$1500.00}. 

My complaint against the bank is- i. They should not show money as deposited if they have not fully verified or put money to my account, as people use that data to transfer money / do any transaction further. 
ii. If they have shown the check as deposited, they should verify with account owner before taking away money from any account iii. The bank closed my complaint sometime back of the check bounce taking no responsibility of it. They are trying to work with XXXX in getting back my money ( they logged the XXXX transaction as second case ), but I do not see any progress for the last month and am a little nervous as the money is very important for me. 

Due to this process gap, many fraud people are taking advantage and innocent people who earn money the right way are cheated. 
When I talked to police about it, they mentioned that BOA is federally insured so they should give back the money. 

BOA case Number XXXX XXXX Account Holder Name : XXXX XXXX Email : XXXX, XXXX Mailing Address : XXXX, XXXX XXXX XXXX, XXXX, WA - XXXX Attachments included : 1. Check received 2. Bank transactions 3. Email snapshot from XXXX ( i have the whole mail chain that I can forward if that helps in any way )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!

Company response to consumer: In progress
Consumer complaint received 2023-02-15
Company: NAVY FEDERAL CREDIT UNION
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 XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation