BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

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 2022-12-30
Company: Superior Holdings, LLC
State: IN
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:
SAC Finance or superior auto is breaking the laws. First of all the same loan is listed XXXX. XXXX they repossessed the car I gave it back voluntarily. They came to the XXXX I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: LA
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:
On my Equifax credit reporton ( XX/XX/XXXX ) XXXX, ( XX/XX/XXXX ) XXXX, & ( XX/XX/XXXX ) XXXX inaccurately reported on my credit report and caused my credit report to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Coastal Credit, LLC
State: MD
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:
I had an auto loan with Coastal Credit. The car was repossessed in XX/XX/2019 and still has not been sold. I talked with XXXX, the account representative who is handling the account and he said that they haven't been able to auction the car due to titling issues in my state. Despite not selling the car, Coastal Credit has harassed me and all of my listed references about this account. They have shared personal information and are acting very unprofessionally. In addition, they have been using the XX/XX/XXXX XXXX XXXX system to habitually check my employment every week. Somehow, they managed to get my work email address, which I did not give them as I just started this job, and have sent me harassing emails threatening to sue me and garnish my wages, despite not selling the vehicle. I considered settling on the account because XXXX told me that once they sold the car they would refund me what I overpaid, but considering their shady practices thus far, I don't feel confident that they would be fair and give me what's owed once the vehicle is sold.I have no problem with paying my balance, however, I am requesting that this company sells the car, as they are required to do, and let me know what my final balance is. Then, I will settle my account. In the meantime, I ask that they only communicate with me in writing and stop harassing me at my workplace, and via my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA collection agency says I owe a debt opened up XX/XX/2019 in the amount of {$2100.00}. NCA claims the original debt belongs to XXXX XXXX. I have called XXXX XXXX because I have never had any loan with this company. XXXX XXXX claims that they have no knowledge of the debt due to it being opened in Illinois and they no longer exist in illinois. I called NCA collection agency and requested they send me documentation for proof of me ever having this account and NCA refuses to fo do. Every time I dispute it they state its valid. I have never had a loan with XXXX XXXX. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( Transunion, XXXX, and XXXX ) Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}

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 explanation
Consumer complaint received 2020-02-23
Company: DISCOVER BANK
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After receiving an advertising from Discover card on XX/XX/XXXX I did apply for the card. The advertising mentioned that it will not affect my credit score. During the application came on the screen the word " Felicitation ''. Was applying from out of home and the credit card left a message on my home phone when not present. Than came on my computer that the application was refused. Called Discover from my cell phone being out of State explaining that I couldn't not get the code. Discover told me sorry we can't do anything. Few days later saw that there was a hard inquiry on my credit score from Discover Financial. 
I already did contact you previously about this issue last year. Receive an email from a certain Mr. XXXX XXXX from the Executive office of Discover Financial. Did answered same day his email explaining the issue and since never got an answer. Emailed again Mr. XXXX XXXX on XX/XX/XXXX and still do not have an answer. 
Was yesterday ready to buy an XXXX  vehicle because I have an XXXX  and the finance company is charging me {$140.00} more because of the hard inquiry from XX/XX/XXXX. 
The contact person at Discover Executive office email is : XXXX, Phone number : XXXX I feel I have been mislead by the advertising of Discover card and ask this to be resolved. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2021-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with Equifax, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: AMERICAN EXPRESS COMPANY
State: NY
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/2018. I am boarding XXXX Flight from XXXX  to XXXX. Ticket is purchased with my AMEX XXXX XXXX Credit Card which printed on my boarding pass. Per AMEX XXXX XXXX Credit Card Terms and Condition which i should entitle ZONE 1 Boarding however i been assigned to ZONE 4 Departure. I have contacted AMEX and XXXX to inquiries about said Terms and Conditions and found out there is no communication between XXXX and AMEX. AMEX is charging {$95.00} annual membership fee and card holder should entitle for the benefits listed on the AMEX Card Terms and condition. however XXXX stated cleared in their the email that XXXX XXXX XXXX ticket holder do not entitle to AMEX benefits. However the said Terms and conditions is not listed anywhere in the cardholder agreement. 

see below from AMEX : Thank you for your continued patience. Please see the following : " Priority Boarding Card Members are entitled to receive Zone 1 Priority Boarding on XXXX flights. Benefit is limited to Basic Card Members ( not Additional Card Members ) with the Gold, Platinum or Reserve XXXX XXXX  Credit Cards. Reservation must include the Basic Card Member 's XXXX number. Priority Boarding is also available for passengers traveling in the same reservation as the Basic Card Member. Maximum nine passengers per reservation receive the Priority Boarding. Priority Boarding will only be available on XXXX and XXXX Connection carrier operated flights. XXXX does not offer Priority Boarding on XXXX XXXX  flights. New Card Members and Card Members upgrading from another XXXX XXXX Credit Card product from American Express will be eligible for the Priority Boarding benefit after receiving their Card from American Express. Offer is subject to change without notice. Additional terms, conditions and restrictions may apply. See XXXX XXXX XXXX for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Account status incorrect

Complaint:
I obtained a personal loan from XXXX in XXXX. The first payment was deducted from my bank account automatically. I intentionally made a second payment thinking I was paying ahead. I made this extra payment because I was in the process of relocating to another state. Therefore, I didnt want my payment for the following month to be late since I was also starting new employment. When XXXX called me the next month saying my payment was due, I asked the representative to check my account and see I made an extra payment on my account. She said she could see the extra payment but I still owed for the new month. The company began to harass me over the payment. 
I have since paid XXXX towards the balance which is approximately XXXX. But I received notification from a credit reporting agency that my credit report has a 30 day late which has impacted my credit report causing my score to drop XXXX points. Prior to this incident, I had a perfect payment status. 
I called Prosper an spoke to a supervisor. She informed me there was nothing she could do even though she verified I made the extra payment in advance.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised and looking at my credit report I see accounts on there that I have absolutely any knowledge of and requesting that they be removed immediately. In concert with the FCRA law if the reporting agencies can not provide physical documentation to the consumer then the disputed accounts shall be deleted. The following accounts are 1 ) Avant, ( XXXX ) {$1300.00} 2 ) XXXX XXXX ( XXXX ) {$860.00} 3 ) XXXX XXXX XXXX ( XXXX ) {$710.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  ( XXXX ) {$130.00}

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 explanation
Consumer complaint received 2022-05-04
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017, I was renting an apartment from XXXX XXXX. I was never delinquent on payments and I vacated the premises upon completion of the lease. Upon vacating, I requested a walk-through and was told the premises was in a satisfactory condition. XXXX never notified me of any additional monies owed. Approximately a year later, I was contacted by XXXX after I submitted a request for the reimbursement of my security deposit. XXXX declined. I immediately notified them that I disputed any monies owed and that they could seek judicial intervention in small claims. Specifically, I advised that I was officially negating their allegations of any debt owed and that they need to pursue litigation without allowing interest from the alleged debt to accrue. Almost 6 years later, I learned from XXXX that a third party had acquired the debt collection. I was never notified by mail or otherwise that I would be sent to collections. I vehemently deny any debt owed and also affirmatively assert that their failure to notify me of any debt or transfer of debt has unduly prejudiced me by denying me due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-05-04
Company: 1st Franklin Financial Corporation
State: MS
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2019-11-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I placed an order for some jeans. I have only received a tote bag in my package. My jeans were missing. My financial institution needs to issue a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold the house, so the loan was paid off. Both the mortgage company and the title company paid taxes due. So, they were double paid. XXXX XXXX has confirmed that the title company 's funds were applied, and the payment from the mortgage company was rejected. The mortgage company is refusing to refund me those funds saying they gave it to XXXX XXXX. I have sent proof from XXXX XXXX that it was paid by the title company. Mortgage company tax department basically said tough luck. The loan was paid in full XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Genesis FS Card Services, Inc.
State: NC
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 response to consumer: Closed with explanation