BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: BlueChip Financial
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I fell a little bit short on my bank balance in XXXX of XXXX. I have poor credit, so in desperation I took out an online loan for {$600.00}. They are now direct debiting my bank account every two weeks for {$110.00}, and are going to continue doing that until XX/XX/XXXX. I will have paid a total of about {$2600.00} on a {$600.00} loan. In retrospect, it would have been much cheaper to just pay the bank overdraft fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX CO : 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 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 2022-09-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Sony rewards Comenity Visa card, that usually awards points for every purchase. over the last three months instead of awarding points, my balance shows in the negative even though I've made our plenty of purchases. I have reached out to the company mlvia email at least three times and all they say is that they are working on it but no resolution over the last three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Unfortunately I was unable to locate paperwork that details the specifics, but my car was repossessed by Wells Fargo in XXXX of XXXX  ( I believe it was XXXX  ). At the time I felt like it was completely wrongly and made many attempts with Wells Fargo to figure out what happened. They have since sent me a couple of checks totaling $ XXXX {$800.00} relating to the issue but I still feel wronged by what occurred and since their recent court orders that directly correlate with my situation I would like to explore further action.

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 2021-01-25
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I got a notice from my job that they were moving out of state and that I would be laid off in 6 months. I informed my servicer that my income will be changing and submitted my severance letter to them. I applied for a loan modification and was denied. Their representative told me it was because I was not 60 day behind. I asked her if I had to be 60 days behind in order to be approved, I was told yes. I went 60 past due and applied again. I was granted a forbearance not a modification. Then Covid-19 happened. Right when I was hired at a new job in XXXX of XXXX I informed my servicer and made a payment. A week later I was laid off due to Covid-19. I made my servicer aware that I was now laid off due to Covid-19. Again, I was not offered any Covid-19 relief. I asked why and a representative says it's because I was past due in XX/XX/XXXX advised her that I was only behind due to their instruction on how I was going to qualify for a loan modification. I was told I had an unemployment forbearance once that forbearance had expired I was still unemployed due to Covid-19, again I was not given nor offered any type of Covid-19 relief. I was denied repeatedly for a modification and my credit is ruined because they are reporting a year 's worth of non-payments. I wrote them a letter informing them that if not the first forbearance but at least the second and third forbearance should have been under Covid-19. I had to pay XXXX XXXX XXXX for 3 months. I submitted to them the same information I submitted to my servicer. Still I have asked for some one in management to assist me with resolving this issue, I get no response or resolution from them. I believe the way my account was handled was deceptive and unfair collection practices. I was TOLD by my servicer to go 60 delinquent. I have asked them to pull the call they haven't I asked them to pull all my calls to see how I was treated and how my account was just completed disregarded even though I had an legitimate hardship according to their own literature that they sent me. So why was I repeatedly denied? I feel like they just wanted to foreclose on me. I received no assistance, direction or information on how best to keep my account in good standing while experiencing a hardship first due to my job leaving the state and second due to me losing a job because of Covid0-19. They should not be allowed to toy with people 's lively hoods. They threatened the wellbeing and livelihood of me and my special needs son by not taking our hardship seriously and by not trying to find a resolution. They either wanted all money upfront to reinstate the loan or it was going to be foreclosure. I have asked them to retract the months off my credit history and provide me the Covid-19 relief I'm entitled to. My account would have never gone past due if it wasn't for their direction telling me it's the only way they would approve a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 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 2021-11-11
Company: EQUIFAX, INC.
State: TX
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 been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. By law all information on this report must be verifiable. If the bureau can not please direct them to delete it from my report. 
XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX, 2021 XXXX  XXXX, XXXX XX/XX/2021 XXXX XXXX, XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My XXXX XXXX XXXX report shows that an XXXX XXXX credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an XXXX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.

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 2023-11-07
Company: Avant Holding Company, Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/23 I was approved by Avant for a credit card for {$300.00} I agreed to accept the card but the company was unable to finish the application because they couldn't verify my identity. They verified my phone number, and email, but couldn't verify my identity with a selfie matched with a driver 's license even though I provided the information. 

They couldn't resolve the issue so the inquiry needs to be removed due to my not wanting to apply for something I can't be approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Resurgent Capital Services L.P.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: MI
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
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:
Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. A number of months ago I was a victim of identity theft, and had a number of accounts/inquiries start reporting on my Transunion credit report that were fraudulent. Of those accounts, specifically, a XXXX XXXX XXXX XXXX account ending in XXXX was deleted from my report- after sending in an Affidavit of Truth , exhibits, identity theft reports, etc. My credit report went back to how it was supposed to look- and the item was completely gone for about 2 weeks. Then I checked my credit one day and it was TANKED. I called Transunion and they notified me that XXXX XXXX XXXX had verified that the account was mine- after they had blocked it, so they put it back on. I immediately called XXXX XXXX XXXX, and XXXX assured me that this account was not mine, their investigation was 100 % complete, this was identity theft/fraud and that they had reported this repeatedly to Transunion- to no avail. I have attached proof of my claims today, as well as the proof that the item was DELETED completely off of my report and then put back on- fraudulently. I have since talked to XXXX XXXX XXXXXXXX yet again, who has assured me that this is 100 % Transunions fault and that their systems and processes often take months behind all other reporting agencies to update accurate information. This mishandled situation has cost me numerous business opportunities, has tarnished my name and reputation, and has ruined my credit score- which used to be close to XXXX before this fraud occured.

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 2023-05-10
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: 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 non-monetary relief
Consumer complaint received 2022-04-22
Company: Service Finance Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XX/XX/2022 Ive made timely payments to Services Financial XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX for the financing of a Hot Water Heater / Furnace installed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Every single payment has rescinded, over and over again, claiming incorrect bank account number, incorrect routing number, bank rejected payment, system issues, phone payment system issues, incorrect bank account type ( s ) or system issues, no payments processing at the time due to faulty phone payment system. Ive paid them from four different bank accounts, set up auto pay, made payments with two managers on two separate occasions with the same outcome. For some ironic reason the same outcome no payments withdrawn but I get confirmation numbers. Payments rescinded over and over resulting in default and eventually property liens etc. They are reporting derogatory information ruining my credit rating and questioning my credibility to properly input or provide banking information .Finally, Ive had enough, I paid the entire balance XXXX {$3100.00} on XX/XX/2022, On XX/XX/2022 I received a call from collections Service Finance Company , LLC XXXX XXXX advising my account was over 77 days delinquent and I needed to make another payment, I was livid ask to speak with a manager who advised the clerks had been entering the incorrect bank type ( s ) and this is why payments were rejected resulting in negative credit reporting. He also said I needed a physical copy of the paper check in order to provide the correct routing and checking information, insinuating I provided the incorrect information on all eight payment attempts. This is not a trust worthy company, I do not recommend them to anyone, On XXXX XX/XX/2022 I paid again but this time the balance increased to XXXX, I asked why the increase on an interest free loan and I was advised after the first late payment that they incorrectly processed I began to accrue daily interest. I made a payment iao {$3100.00} on XX/XX/2022 and Im almost for certain this issue will repeat itself therefore Im submitting this complaint with a plea for help, I just want to pay this debt off. And to bring awareness to consumers so that no one else will be victimized like this. Fraudulent rescinded payments leads to asset management evolving into a legal matter. 

Please Help Me-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: FISERV INC.
State: MN
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:
XXXX XXXX XXXX and Tele Check is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why XXXX or Tele Check is declining and not approving for my checks to be cashed or presented for payment. I want XXXX and Tele Check to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use XXXX XXXX XXXX and Tele Check.

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 2023-10-28
Company: EQUIFAX, 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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