BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 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  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 explanation
Consumer complaint received 2023-09-16
Company: Double D Finance dba Idaho Finance
State: ID
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Confusing or missing disclosures

Complaint:
Idaho finance is claiming there's a debt for a note loan on my credit report which is negatively impacting my credit score. The business closed its doors and is no longer available to speak to about this matter. If this was a shared debt between my now separated wife XXXX XXXX XXXX and myself and this institution then they need to be reporting against her credit also and attempting to get any and all payments organized with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For tax year XXXX, the mortgage company - Guaranteed Rate - issued XXXX XXXX. The finally correct XXXX didn't arrive until far past the deadline to file my tax returns. The first XXXX XXXX were wrong. The final corrected XXXX was issued after XX/XX/XXXX The lateness caused my tax returns to be amended. I forwarded the bills to get reimbursement for my amended returns on XX/XX/XXXX and the last update I received on XX/XX/XXXX was " Your request for reimbursement was declined because you filed a claim for too much money so the committee declined to give you any reimbursement but I'll keep trying and escalate it further. ". 

Breakdown of claim : personal return XXXX  {$450.00}, XXXX XXXX  {$400.00} XXXX XXXX {$170.00} Times XXXX for my time ( as we previously discussed ) {$1000.00} TOTAL CLAIM : {$2000.00} My position is taking over two months to obtain the money they owe me unreasonable and the need motivation to be compliant with the law from a regulatory agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've been trying to complete a loan modification with LoanCare since XX/XX/XXXX. I've sent 37 emails and called countless times. Most of the time, I wait on hold, get transferred, and disconnected. When I do get through to someone, they don't know the status of my mod, they ask questions, then they come up with something else that is missing. There is no communication from the company in writing, via phone, or via mail unless I initiate it. When I send an email demanding a phone call, I receive an automated call asking me to call them which leads to more wait times, transfers, and disconnects. I've sent more documents than I've ever done before when purchasing a home, but because of the lag time on their end, each time I call, they want more paystubs because the ones on file are " expired ''. My online account is disabled, so I can not make a payment even though I've asked to do so. There is no way I can refinance the property, sell it, or even move forward on a business endeavor I've been working on until this is resolved. LoanCare has given me no option but to file a complaint about their inaction and poor communication. I initially thought they were just busy and overwhelmed, but I am beginning to think there is something untoward going on. I have a credit score in the 700 's, I've never missed a payment, and I find this unacceptable. I would never have opted to do business with LoanCare as their reviews are terrible, but unfortunately, XXXX transferred my loan to the company sometime during the pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: WI
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:
Other bureaus removed this erroneous item but Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Navient Solutions, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sally mae can not produce my loan information they refer me to navient who can not produce my loan information who refers me to another company who also can not produce loan information. They continue to report to my credit from multiple companies none of which can find or produce any information on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kohn Law firm acting as an agent for XXXX XXXX hasnt 2 collection files both with agreements to pay {$100.00} per file each month which went in effect XX/XX/XXXX & XX/XX/XXXX. 

The payments have been made online via the collection website. In XX/XX/XXXX the bank account number was transposed and the check was returned. I explained that it was an error and resubmitted immediately. Unfortunately the same thing happened with the XX/XX/XXXX payment. I was contacted by the XXXX XXXX XX/XX/XXXX regarding the returned item. I explained that I double checked and that I would resubmit the payment later that night. He informed me that they would ONLY accept certified funds from me because of the return checks. I explained that that would be a hardship because now I have to pay additional funds to get the funds to pay AND with the US postal system being back logged the payment most likely would not make it in a timely manner and this would result in them harassing me for something I have no control over. I informed Mr. XXXX that if they wanted the funds certified then dont call me when the payment is late. Again the backlog of the XXXX has been in the media for months. I requested to speak to a manager & was transferred to XXXX XXXX who basically said the same them. I explained that Im not trying to run off, I owe the debt and want to make the payments. His said he would forward to the attorneys for the review and then hung up. 

Every demand I have submitted to, again I know I owe the debt and HAVE been making payments and WANT TO CONTINUE to make payments without undue hardship, burden or exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/20 I made a payment on NRS website as I have done previously. The total amount I agreed to pay was {$40.00} when I received my receipt the total amount charged to my card was {$46.00}. The receipt stated that there was a {$5.00} processing fee included but nowhere on their website or during the payment process does it tell you that they are charging you this fee. When I look at my payment history the totals do not include this fee or show the actually amount paid anywhere. I contacted the company and spoke with 2 people who stated that the consumer has to check a box agreeing to the fee, which is false. There is no box to check and it is not stated. Consumers can not pay multiple debts on the site at one time therefore they would be charged {$5.00} unknowingly for each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
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 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

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 2019-02-05
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-12-22
Company: CAINE & WEINER COMPANY, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/2020, Scam artist company called XXXX XXXX pretended to be our copier  vendor to sell toner. Without asking them to send any toner or supplies to our company, they sent it anyway. We still have the product in boxes, unused. XX/XX/2020, they send us a bill for around {$520.00}. The new assistant at our office paid this without questioning it. After a week when I caught that she had paid this company without having me authorize it, I had to call our legitimate copier company which they confirmed that we had paid a scam artist and the supplies our copier company has, would always be free of charge since we pay a yearly contract with them. Our legitimate copier company and they confirmed that whoever I spoke to at XXXX  XXXX  is not legitimate and a scam company. 
At this point, I had to get a refund from XXXX  XXXX  because we actually never ordered the product in the first place -- but also, because they are scam artists. I explained to XXXX  XXXX  that I would be willing to send them the supply of toner that they sent without confirming that we even wanted it sent to us. They said they emailed me the return label but I never received anything. Today ( XX/XX/2020 ), I received a letter stating that they sent Caine & Weiner, a collection company, to collect {$550.00} from us. I looked up CAINE & WEINER and many people have said this was a scam company as well. 
I am STILL willing to just send this package back to them as long as they pay for the shipping, which they said they would. Now I see that this is how they get their money.. they faked like they sent an email with a shipping label but they don't. Then they send collectors, CAINE & WEINER, out to get the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found a non authorized transaction on my debit card paid in another state in a tire shop. I submitted a claim to my bank and my claim was denied twice, the last letter I received stated that the bank was able to determine that a counterfeit card was not used to make the disputed transaction. I called twice to contact the person who signed the letter, the first time he was not available and the person who took my call told me she will pass the message to him, the following day I called back again trying to reach the person who signed the letter, I was on the phone with the lady who took my phone call at the same time she was trying to reach the person by message and he told her his phone was disable at that moment and he can not talk to me, the lady who was with me at the phone assured me he will contact me back. 
I feel so frustrated by this situation because my bank assured many times no liabilities in reference to fraud charges, I feel I was treated unfairly and far from what I would expect from any customer service.

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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.

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 2023-06-29
Company: Experian Information Solutions Inc.
State: OH
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:
This company has responded saying that they have nothing to do with my 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 explanation