BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: MD
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 on how to remove the fraudulent accounts 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 accounts 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. 
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 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

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 2023-07-03
Company: EQUIFAX, INC.
State: MI
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:
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 {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have 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.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
My brother XXXX XXXX XXXX ) went to a dealership ( XXXX XXXX XXXX used vehicles within Michigan ). I was suppose to be the co-signer of the vehicle. In which I informed him that is the only way I would sign the contract. 
We got paperwork I noted that the address is wrong on document and they listed me as the main buyer of the vehicle ( XXXX XXXX ). I told him that was incorrect and it needed to be changed. 
I was told that they changed the form to the correct format. I took his work for it and proceeded. Later while wanting to verify the documents. They never changed the problems listed. 
I was very confused contacted the dealership ( XXXX XXXX XXXX ) and the company that accpected the loan ( credit acceptance within Michigan ). To hopefully change the document or void the contract and give them back the vehicle if need be. The ARP is also quite ridiculous. 

Additional Information : I was never there in person to see anything. XXXX : the vehicle in question to check the for faults, the salesmen/women that made the contract/ advised in selling, never drove the vehicle, I am across the country XXXX in the XXXX XXXX during all of this, and my brother crashed the vehicle due to a malfunction with the vehicle in question ( due to the brakes going out in less than 2 weeks of having it. ). 

From what I understand the place and company have been know to have malfunctioning vehicles in more than one occasion. 
According to some research I did. 
If you didn't get the insurance they offer during the purchase of the vehicle. They will make it so you will have to pay out of pocket to repair it. 
Know that it cost a lot, they hope to rack up late fee to get more out a consumer.

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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information 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 2022-12-27
Company: Experian Information Solutions Inc.
State: OK
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:
I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to Experian, XXXX and 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 2023-07-03
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my XXXX letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.

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 2023-07-03
Company: EQUIFAX, INC.
State: OR
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Columbia Debt Recovery LLC on XX/XX/XXXX in attempts to collect a debt that I do not believe I owe so on XX/XX/XXXX I sent over a Debt Validation letter to hold the account until I received the proper information from the company. However on XX/XX/XXXX the company reported the collection to my credit and my credit score took a major hit even though according to the The federal Fair Debt Collection Practices Act ( FDCPA ) Section 1692g in Title 15 of the U.S. Code if a third-party debt collector contacts you and you're not sure that you actually owe the debt or think that the debt collector is mistaken about some part of it, you can ask for a validation of the debt. The debt collector must inform you of this right and you must make the request within 30 days of the first contact. 

After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information. 

They have yet to respond but have not stoped collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requested that a few accounts on my credit file be investigated by TransUnion starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent severals follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

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 2023-02-03
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official like it was from my bank which is XXXX. We have received texts like this before where someone was fraudulently trying use our debit card and we're then sent a new card. So I responded no. I then immediately received a call from XXXXXXXX XXXX from their legitimate number. I latter found out that scammers can make it look like they are calling from a legitimate number. The scammers told me someone had hacked into my account and I needed to change all usernames and passwords. They also said they were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone as I was on the website about to wire the money when I told them I'm not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from XXXX. I sent the {$7800.00} wire transfer. Within an hour I started to realize my worst nightmare was possibly unfolding and called XXXX. They said it was not them and that I had likely been scammed. I asked them to stop the transfer and all they did was have me type in a secure message that said I wanted to do a wire transfer recall. I couldn't even talk to a person. The next day they responded with a message to see if I still wanted to go through with the recall. Of course I did but now by the time they even initiated it the next day we were 48 hours in. Over a week later they responded back to me again by secure message that the receiving bank which was TD Bank had not gotten back to them after repeated attempts. I even have the name on the account where the wire was sent. XXXX then started giving me the run around. Telling me to contact TD bank and giving me other websites that didn't exist and phone numbers to call that were not in service. I then tried contacting TD bank but couldn't make any progress. They told me XXXX needed to contact them? The name on the receiving account of the wire transfer was XXXX XXXX. Of course I don't know if that's a real name but it's the name on the account where my {$7800.00} went. I can't believe TD bank will not even respond. My complaint is against TD bank and XXXX for failing to act in a timely manner or act at all to investigate this fraud. Thanks for any help you may be able to give.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As a young college student, I took out student loans from Sallie Mae, now Navient, in XXXX, XXXX, and XXXX after my parents could no longer pay out of pocket for college. I took out {$25000.00} in total. For the past 13 years, the recent Account Payment History Report I received in the mail indicates I have paid {$26000.00} in principal, interest, and fees, and {$28000.00} overall ( per the table on my online account ). Despite this, I still owe {$39000.00} as of today. Currently, that's a total of {$67000.00} on a {$25000.00} loan. The balance has remained around {$39000.00} for years and interest keeps accruing and fluctuating. In addition, the estimated pay off date is XXXX/XXXX/XXXX, which means I would be paying on this loan for 30 years. Out of the total amount I've paid thus far, only {$6900.00} has been applied to the principal. Most recently, I have spoken with reps on XX/XX/XXXX, XXXX, and XX/XX/XXXX. The last rep I spoke with indicated that this loan is " like a mortgage except mortgages don't allow you to take 2 year forbearances in reference to what I did back in XXXX ( to obtain my Master 's degree ). To note, Navient freely offered the forbearance at the time when I called to reduce my monthly payments. I also refuted the representative 's statement that Navient student loans function like a mortgage. Unlike any of my other loans, Navient is one of the smallest loans I've had in my life yet it costs me the most because there is no fixed interest. In addition, there seems to be no real target because it keeps moving due to the compounded interest. Moreover, the last rep repeatedly mentioned that I agreed to an interest only repayment plan in XXXX. However, that was the only option they offered when I requested to decrease my monthly payment. They did not offer any other options. Due my income, I couldnt afford to pay the monthly amount, which was nearly {$600.00} at the time. These loan practices are predatory and abusive at best. I asked to re-negotiate the amount owed since I've already paid over {$28000.00} to them but the rep told me that I couldn't because I was in good standing. This option is only available to those that are in risk of defaulting or have defaulted. I could try to refinance, but I still would have to refinance for the {$39000.00} amount. I most likely would end up paying over or close to {$100000.00} on a {$25000.00} loan if I continue paying Navient through the term of the loan. I would like to file a compliant against a company that is allowed to prey on consumers and enforce never ending financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: PNC Bank N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In mid XXXX we were notified by our county that our taxes hadn't been satisfied. I made multiple attempts over multiple weeks to get this rectified with PNC. Finally on XX/XX/XXXX  PNC confirmed that payment was mailed. Please note, this took well over a month and a half to resolve. A week prior to resolution, I requested they close our Escrow account so I could manage and pay this on my own due to my concerns in their failure to pay time and rectify the situation timely. 

On XX/XX/, I finally received the paperwork to cancel escrow and was shocked to find that they required a payment from me of {$520.00} which is .25 % of my escrow balance. I questioned if this could be legitimate and the rep stated it was a " national '' type fee that all companies would charge for doing this. Working for a credit union myself, I inquired with our department and they stated that they had never heard of that and they had never charged that. 

XX/XX/XXXX  I requested a disclosure of this as our mortgage wasn't signed with PNC but PNC did buy our mortgage from our previous lender, XXXX. Whether it's a fee that PNC CAN charge, it's very much a junk fee and is absolutely unnecessary. If this was a basic savings account ( which it ultimately is ), I shouldn't have to be charged an absurd fee ( $ XXXX ) to retain funds that are ours to pay bills for our mortgage that PNC has proved they couldn't handle doing timely. Their errors and my distrust in them is the only reason I requested to close this in the first place. 


As of today, I don't have a copy of the disclosure/fee statement I requested. In reviewing our mortgage statement, I am seeing that they disclose " CFPB 2nd Servicing File in 6 months of {$250.00} ; Escrow Deletion : .25 % of Unpaid Principal Balance ; They charge {$15.00} for " priority service '' and various other fees and state they are " subject to change without notice, subject to applicable laws. '' I am located in Wisconsin so would be curious if this is a fee even permissible in Wisconsin. 

Even if it's not " against the law '' to charge a fee, does not mean that they SHOULD charge a fee and this directly aligns with CFPB 's publications and working towards removing junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting ACT15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. A financial institution by definition under that title. 15 USC 1681 section 604 in section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to XXXX, XXXX, and Transunion, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. The mentioned credit agencies are not maintaining reasonable procedures and are in violation of 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned.

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 2023-07-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief