BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: MARINER FINANCE, LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I initiated this loan as a debt consolidation. My car was used a collateral for the loan. Therefore it was listed as a auto loan on my credit report. Because the loan was on a car that was already well below the value of the time when I began having car troubles I was unable to get out of the loan because I was hooked. I owed more on the car that the car was worth. I parked the car and continued to make payments over some time I was getting increasingly frustrated because the balance seemed to never go down. When I inquired about how long I will be paying on the loan I was always told a vague response such as go online to look at amortization calculator. They would never tell me how much time in the loan was remaining. After several years of making payments I have had to refinance the loan on a couple of different occasions. The loan still appears as an auto loan on my credit report which prevents me from buying a replacement vehicle although I cant roll this loan onto a new car because the balance is too high. Upon the last refinance someonethis auto loan is amortized like a credit card. No wonder Ive been making payments for so long without satisfying the loan yet. I believe their marketing of a debt consolidation using an vehicle for collateral is deceptive because in essence you are going to pay so much more over the life of the loan. How can they report as an auto loan and amortize as a credit card. Is this fuzzy lending fraudulent? Based on this new information I still have a couple of more years of payments on a car that is more than 20 yrs old. I would like to be rid of this debt. I believe Ive paid enough towards this debt. Im have more than paid for the value of the consolisation.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: ID
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-29
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now AidVantage. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to AidVantage, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IL
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.

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 inructions 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 explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the Indiana Bar Association. I am being forced as a single dad of a XXXX XXXX   son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.

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 2023-10-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My husband is the sole borrower for the loan with XXXX  XXXX  used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased. 

The mortgage specialist at XXXX XXXX told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the XXXX XXXX XXXX. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, Bank of America initiated a refund of {$1300.00} that I have overpaid for my credit card a few months before. The statement appears as CREDIT BALANCE REFUND DEBIT. Initially, I contacted the bank immediately after the credit card became {$0.00} and the bank assured that a check was on the way to my address. Unfortunately, I never received a check and since moved to a different address. I have contacted the bank a few months later and the bank assured that the money would be deposited back to my checking account. Nothing happened. I contacted them again this year, FOUR times in a span of two months, after forgetting about the problem. Most of the calls repeatedly assured me that the credit refund would be deposited into my checking account. Still, nothing happened even after the promised time period of two business weeks. The second last time I called, the rep said that the check was actually cashed out in XXXX/XX/XX/2019. I demanded a probe into the stolen check as I have never received any and there is no record of me cashing my check into any of my accounts ( BoA is my only bank ). Today I called again, after two weeks, and the rep said that he couldnt find the refund transaction because his record could only go to XX/XX/2019. In essence, BoA has taken the money and basically ignored my requests for checking into the issue. Most reps just replied with reassurances that my refund will be deposited into my checking, even though the lost/stolen check was already cashed by someone else.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NC
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 XXXX Account # 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 XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$2500.00} Act # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$260.00} Acct # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$580.00} Acct # 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 2023-05-30
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems severally tried to coarse and induce me to pay a debt that I do not owe and have subsequently reported it on my Credit Profile which is currently impeding on my ability to gain any measurable job and credit. They have deliberately ignored my letter to them, demanding validation of the debt and any contractual agreement with them bearing my name, signature, date of birth. Furthermore, they have proceeded to sue me in the XXXX XXXX Civil Court, GA in order to place a public record on my credit profile for a debt that I do not owe to them, thereby, further halting my abilities to move forward to provide for myself and my family. 

Jefferson Capital Systems must remove the negative report from my credit and rescind the court filing with deliberate speed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX. XXXX calling from XXXX. Have called daily, minus weekends, since XX/XX/2018. I Have checked my credit report and have no delinquent payments due. I have not answered their calls because it's my understanding that this company has a history of fraudulent behavior. I have their number blocked on my phone through the " Should I Answer '' app and they still are able to get to my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
My mother has an credit card account with Discover Card and it's reporting on my credit report with all three reporting agencies. It's not bad credit but showing up on my account as maxed out and hurting my score. I have never authorized nor signed any paperwork with or without a wet signature approving. I have never made a charge on this account nor had my own card. I have reported this three times and keeps coming back as reporting correctly. My mother finally contacted Discover Card and they closed the account for me. I am trying to build my credit to buy a house and start my own life. I have not received any letters from none of the reporting agencies with any information, only when I go to XXXX it showed the results. I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV funding is reporting these two collection accounts on my credit file. Even though they have closed the accounts and deleted my payment arrangements. I am providing proof in this screen shot. It's because I'm white that they are illegally still reporting this to my credit report every month. They can't continue to report these accounts if they have closed them. They were being dishonest in their last reply and they keep on lying like most collection agencies do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV 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 explanation
Consumer complaint received 2017-06-28
Company: MONEY SOURCE, INC., THE
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
A few times my wife and I were behind on payments. After being told not to call several times, their rude representatives continued to call and harass with auto dialers. The company sent false letters not reflecting payments made and charging outrageous late fees, interest fees and fees to accept payment over the phone. Also, despite not being more th en 6wks behind, they are trying to say we are almost 3mos behind, threatening foreclosure and sent people to our house twice in one day for  hand delivered harassment letters to contact them after making the account current staying they hired a third party company to help them. They illegally sold our info to their partners before giving us the option to opt out and then sent letters after the fact to limit sharing after damage had already been done.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: DC
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:
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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-05-30
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I tired to file my tax return and the tax professional told me that my social security had been used already to file my tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} 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 2022-03-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan servicer hasn't been reporting my payments to the credit reporting bureaus since before XX/XX/2021. I called XXXX, now XXXX, and they told me they report monthly but they aren't reporting. I have continued making payments every month despite the student loan payment freeze. My balance is being reported as {$19000.00} when in reality I have paid it down to {$17000.00}. I can't confirm specifically when I spoke with XXXX or XXXX but it was recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My XXXX Honda XXXX was illegally repossessed by Honda Financial Services in XX/XX/XXXX. The bank NEVER notified me of the repossession order. The vehicle was given back to the bank. A week later it was auctioned for {$7400.00}. The bank refused to put me in a new vehicle and keep charging me a termination fee of $ XXXX was defrauded out of {$9000.00} from a prior trade in before buying the XXXX Honda XXXX which I should of been reimbursed. Results of this repossession was I lost my job and business wages.

Company response to consumer: Closed with explanation