BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to improve my credit which dropped while waiting for the federal to pay me it took a year to get social security XXXX and took two years to get my XXXX retire which cut my income to forty percent of what is was. I have had severe medical issue which do not allow me to work. that is just a little back round my question is how and why is there such a discrepancy of numbers. I am trying to buy a house thru VA and i have been checking my credit diligently. My Experian number that i get thru my XXXX XXXX XXXX XXXX which i pulled on XXXX was XXXX but the number there credit company pulled onXXXX was XXXX i do not understand how there can be the big of difference.my XXXX number were XXXX report XXXX then the mortgage report is XXXX onXX/XX/XXXX. Then my XXXX  score on XXXX was XXXX and on the report XXXX was XXXX. I called the Mortgage company to ask them to explain why the difference is so great there answer is I do not know i explained my situation they said the only way to help was to pull credit. Then they pull the credit and tell me to try again in six months which puts another mark on my credit. this was XXXX XXXX who i was dealing with. Next i called the company who did the report to ask for help understanding the differences in the report. they say there is nothing they can do. This was XXXX XXXX and XXXX acquisitions. I have been working on this credit for four years At my low i was XXXX because I had to voluntarily return vehicles because of lack of pay. My wife and i have had exceptional payment history for three plus years including exception rent history. So i need help with being protected against in accurate information being posted. We are getting free credit report and checking credit daily are credit shows that we qualify for the nymbers required. these company say let us pull your credit so we can help but never fulfilled the action offered. I explained this ahead of time but they still run your credit so now have more inquiries and credit goes down.

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 2021-06-10
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On or about XX/XX/2021, I applied for a secured Discover Card. I was approved immediately and the {$1000.00} security deposit was ELECTRONICALLY withdrawn from my account on XX/XX/XXXX. After I then obtained the necessary financing from another source, I canceled the account weeks ago and requested immediate return of the security deposit. Discover has been promising to return the security deposit and even is supposed to send me {$75.00} in compensation for the poor service. While I will accept the {$75.00}, what I really want is my security deposit back NOW! I was told on or about XX/XX/XXXX that the money was probably already in my account. It was not there on XX/XX/XXXX, so I contacted Discover and was told that it would be MAILED ( NOT DEPOSITED ELECTRONICALLY ). The delays in refunding my deposit have been unreasonable and unacceptable. I should have had my deposit back with an hour or day of my canceling the account. Discover has abused me, an elderly man who will be XXXX in two years. This treatment is unacceptable for anyone, let alone the elderly. Discover has had my {$1000.00} deposit since XX/XX/XXXX. They were notified of the cancellation of the Discover Card card before it even arrived. PLEASE INTERVENE and get return of the {$1000.00} security deposit ELECTRONICALLY into my account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I rented a scooter for a day or two while visiting XXXX, XXXX in XXXX of 2018. The scooter rental company put a security deposit of {$230.00} on my card in case of damage. I was told that this security deposit would be returned a few days after I returned the scooter. 

I returned the scooter as instructed, in the proper place, at the proper time, with a full tank of gas and no damage. I took photos of the scooter upon returning it as well. I was told by a representative of XXXX XXXX that everything was fine and my deposit would be returned within a few days. A few days later, I returned to the United States. My security deposit was never returned to my credit card. I first reached out to the XXXX scooter rental company through email and XXXX. I was told that my security deposit would be returned in 30 - 45 days. Upon reaching out to them again through facebook, I was blocked. 

I contacted Bank of America to tell them about the fraud on my account and asked that they remove this charge from my credit card since this company scammed me. They refused. I asked for a response from XXXX XXXX with proof of damages. I asked Bank of America to get proof of damages from XXXX XXXX. Neither XXXX XXXX or Bank of America provided any proof of damage. All of my proof and documentation was ignored. 

Shortly after, it appeared that the scooter rental business shut down. 

After years of a good credit history with Bank of America, I decided to close my account with them due to this issue. I paid off everything except for the fraudulent charges.I maintain that these charges are fraudulent. I have documents with proof - photos of the scooter upon returning it, the company emailing that they would return the deposit, and more. 

At this point, the {$230.00} has now collected some interest on it. 

Bank of America is now reporting that I have a charge off on my credit history and it is affecting my ability to get open a card at another bank and may affect my ability to buy a house. This entire charge off is based on a fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12
Company: The Law Offices of Burr & Reid, LLP
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These bills were from medical issues and should have been billed to XXXX. The hospital is trying to get me to pay full price for issues that should have been billed to the largest federal payer in the US.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. 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 2020-09-08
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove these inquiry and personal informations that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these inquiry and personal information not later than 4 business days. 
XXXXXXXX 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 2023-05-22
Company: Experian Information Solutions 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:
XXXX, XXXX, Experian, not XXXX XXXX XXXX has not deleted this misleading, erroneous and inaccurate account in over 180 days when the law states 30 days. They have not furnished an Original contract bearing my signature and also all dates and balances are inaccurate as this account and details are not mine, the address to this account also does not belong to me nor does it reflect on any of my credit reports from any bureaus. Please delete this erroneous account immediately. All major credit bureaus should claim to have verified this information but are doing so in a lackadaisical manner ; they have not taken every step to make sure each and every detail of this account is accurate because any inaccuracies merit deletion which is my right.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any 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  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2021-05-04
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
I had a 36month lease with Honda financial. The account was on auto paid and paid on time for 30 months. On month XXXX, for a reason unknown to me, the auto pay date started to kick inn 1 day after the due date, creating late fees. At no time Honda contacted me by either mail, email or phone to advice that there were late fees accruing on my account. 
I had reach them to get them to remove the charges to no avail, simply because I did not lease a new honda vehicle as I had in the past. 
I have sent proof of auto payment to all credit agencies, XXXX, XXXX  XXXX XXXX, but honda financial replies to them every time that the late payment fees are due. 

attached proof of the last payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, 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:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-12-07
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been getting emails and letters about how i owe money on a credit card charge and i havent opened an account. Also when i try to sign in using my email to see this account thats in my name it says theres no account with this information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I sent a inquiry removal form to TransUnion. It has been well over 30 days and there is still inaccurate information being reported on my consumer report. There are 18 unknown reporting hard inquiries being reported. There have not been any updated information to resolve this matter. Pursuant to 15 USC 1602 the consumer has the right to dispute inaccurate information reporting on the consumer 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 2023-07-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried numerous times to cancel my membership with Experian but, they make it near impossible.

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 2023-06-27
Company: Westlake Services, LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Hello I bought a XXXX XXXX XXXX from XXXX XXXX in XXXX Washington in XXXX of this year. I put 10 % down on {$1300.00} it took over a month for the dealer to finalize the loan with the finance company. My house burned to the ground on XX/XX/XXXX and we were struggling to survive we contacted XXXX XXXX they had no sympathy for our situation and told me if we didn't make payment by the XXXX they would be sending back my loan we paid on the XXXX no calls or emails saying that anything was wrong. Now today XXXX XXXX who we still haven't gotten a registration from and who had put plates from someone else 's car on this car we find out from the state patrol saying that they want the car back ... ..we bought the car not being told the title was rebuilt. I have sunk over XXXX dollars into this car because the owner of the dealership I bought it from XXXX rigged everything under the hood of this car I can provide all receipts for the work I've done so basically I would like to either get paid back for the money I have had to dump into the car and the down payment and payment I have made. Or I would like the finance company to reinstate my loan

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 2017-05-21
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are having problems getting our mortgage company to release the funds that the insurance company allotted for repair of our house after the  Great Flood.  They released 50 % of the funds after we reached 50 % completion of the repairs, according to their inspection. This was after we had to get forceful with them to release that money. We have filed all the necessary paperwork to be our own contractors, due to the lack of adequate contractors or workers available to the contractors after the flood. We have gotten professionals to complete the work up until this point when it was needed, and would like to continue to do so. The problem comes in that they said our next inspection will be required at 100 % for them to release the rest of the funds. In other words, they would like us to complete the repairs out of pocket and then reimburse us?? We think the logic in this in faulty, and would like the funds ahead of time to complete the repairs.   The last letter they sent to us was stating that they had n't heard from us in 45 days and questioning why we were n't at 100 %. They said delaying on our part could cause a problem with the claim. It has been  9.5  months since the flood. There are shortages of materials and workers. Materials have been delivered damaged, or incorrectly. Nothing is moving quickly.   We are asking that the money be released to us in a timely manner, without the reluctance we have been receiving from them. If they were to look at our history of this mortgage, they would see that we have not been late on payments and we have even paid extra most months. We moved into this house 5 years ago, put a significant down payment on it at signing, and have taken good care of the house until the flood. After the flood, we made repairs to the outside of the house that the insurance did n't cover, which totalled arou nd 20,000. We are q uite vested in this house and have no intention of taking the money and running. We have taken a lot of pride in making our house our home, have all intentions of rebuilding even better than before, and do not appreciate the hoops we are having to jump through to be able to have access to  OUR  money.   In summary, we would like the rest of the money released to us so that we can make the repairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has XXXX 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