BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX/XXXX my vehicle was repossessed by Bridgecrest as well as a company named XXXX XXXX which was contracted by a company named XXXX XXXX XXXX  based in Michigan. My vehicle was repossessed while in front of my apartment. The repossession was a wrongful repossession as well as a breach of the peace occurred by the agent brandishing weapons to me and my XXXX XXXX XXXX XXXX  who was in the vehicle. The vehicle was returned to me today, with no balance due as the loan servicer admitted the vehicle was taken illegally and unjustly. I am looking for them to pay for my lost wages as I lost out on working as I use my vehicle for work as well as my rental and taxi expenses. I also was forced to go through the humility in front of my neighbors as well as having the finance company lie to me about payment status. The towing company also damaged my vehicle from my front bumper to my suspension to my transmission and tires from dragging an awd vehicle and not towing it correctly. They also stole my medication from the vehicle which is a controlled substance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a Mortgage with LoadDepot. I have had my payment on auto payment since I opened the mortgage. One day I decided to switch cards to my wifes account using her account number and routing number. I did it successful with no problems. I went online one day to pay a principle payment like I have did before. I realized my mortgage wasn't paid so I clicked a button and paid it. I didn't think nothing of it I just thought maybe it will activate the autopay the following month. Every month I transferred money to her account to make sure the payment goes through whenever the autopay is drafted. Fast forward to XXXX I receive a notification that my credit score has dropped XXXX points on all three scores.Im serious about my credit and my finances. I looked and it said late payment. Im confused because I have over XXXX on time payments in the last 5 years. I realize its my mortgage. I immediately call LoanDepot to figure out what's going on. The lady on the phone tells me we kicked your form of payment off of your account because the name doesn't match the name on the account.I asked her why wasn't I notified about this. Ive never received any phone calls or mail or emails. The next day I received a letter in the mail from LoanDepot saying that I am 44 days late and I'm at risk for foreclosure. Im confused because I have more then enough money to pay my bills on time. I called the company and paid with my original card I had on file before XXXX immediately to make sure my debt was cleared. I have written 3 letters and made several phone call and several emails to the company and they treat me like I'm worthless. They don't care about the customer. Ive reached out to LoanDepot on social media and begged for somebody to help me and to reach out to me and they blocked me. I feel its unfair to me because I have two phone numbers on file and never received any phone call or voice messages. I never received any mail until it was too late. Im begging for help and nobody wants to help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: MS
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 XX/XX/2023 I mailed my identity theft report to Experian requesting removal of the fraudulent items. Like angels, they perfectly followed 15 USC 1681c-2 ( a ) and deleted the information within 4 business days of receiving the identity theft report. So amazing job with that part.

Unfortunately they soon reinserted an account ( WF/Tempur 577442150138 ) without following 15 USC 1681i ( 5 ) ( B ) ( ii ) which states they must notify me with a written letter within 5 days of reinsertion.

Supposedly having done an investigative report to confirm the accuracy of this reinserted account, I have confirmed that they have not reached out to any of my family friends or acquaintances to complete an investigative report per 15 USC 1681a ( e ).

Furthermore, per 15 USC 1681b ( a ) ( 2 ), Experian needs my written expressed permission to furnish any information on my credit report.

I am simply attempting to have the correct information on my credit report. I need this to be reporting accurately. If Experian can not provide where my written expressed consent has been sent to them in reference to reporting this information AND show me where they did a thorough by-the-book investigation into this fraudulent account, Im simply asking that it be taken off like its supposed to be. It is fraudulent and it is harming my reputation. 

There is a reason Experian has recently paid millions in lawsuits for these exact issues that I am having with them. Attached is proof where the item was deleted. It has now been re-inserted without my written permission, without an actual investigation, and without a written reinsertion notification by Experian. 

I have called and gotten nowhere. I'm only asking you to follow the law and respect my reputation which you are actively harming.

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 2022-03-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete one ) 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 2022-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX COLLECTIONS XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
on XX/XX/2023 at approximately XXXX I received an email on a credit card application from bank of America that I did not apply for. I noticed the email at around XXXX in the morning XX/XX/XXXX and called bank of America . After speaking with the fraud department they asked if there was a reference number, to which I gave them. They concluded that in fact a credit card application was received. I explained that i never applied for the card and i was told it would be placed as fraud and that it would not effect my credit score because they would communicate it to the 3 major credit card bureau 's. then on XX/XX/XXXX at XXXX XXXX I received a text on my phone stating that the card was actually approved and would arrive within 14 days. I quickly called the bank again and they forwarded me to the fraud department yet again to cancel this card from being processed and sent out. the person I spoke too from the fraud depart informed me that the person who applied for the card had used my social security number and date of birth. I was told yet again that the card would in fact be canceled. at this point i have not received any notification in writing or in email that this card was cancelled. i have never authorized anyone to apply for me or issue a card in my name. I also Proceeded with a police report and I am currently in the process of freezing my credit with the 3 major bureaus.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.

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 2022-10-14
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Gemini Direct LLC, dba Credit Innovation Group
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/202XXXX XXXX  withdrew {$120.00} from my checking account they continue to withdraw $ XXXX  monthly they're supposed to be fixing my credit, but have not done so yet! This was supposed to be a rent with the option to buy plans as long as I agreed to work with XXXX  to repair my credit, it's been 6 months they received {$150.00} each month plus I still have not received a home to live in while they continue to take my money. I constantly call, and leave emails and never get any return calls I feel this is a fraud and I am getting ripped off they're supposed to help me get into a home and all they're doing is taking my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was never late on the paid off account listing above this is a invalid late payment the fcra allow 30 days for this to be rectify. privacy violation please delete this is a invalid late payment please show proof or delete late payment

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 2021-04-26
Company: TFC Credit Corporation of California
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no idea this debt was outstanding. I have recieved no written or verbal comminucations from this company for years. In reviewing my credit file I came accross multiple accounts in collections through this entity. The amount range from $ XXXX {$100.00}. I had no idea they were still billing me and seemed strange all the different amounts. I decided to write them a letter with an offer to settle my accounts with them on XX/XX/2021 @ XXXX PST. The total of my balances are {$830.00}. and I offered to settle at {$0.00} on the dollar. My offer was {$250.00} and I promised to pay the settlement offer in full by XX/XX/2021 in exchange for a full removal and deletion of the consumer debt I owe if they chose to accept. I sent them the letter certified with tracking number # XXXX. I got confirmation that my letter was left with an individual on XX/XX/2021 @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Statement of Denial letter dated XX/XX/2022 list Principal Reason For Denial as " XXXX does not XXXX credit on the terms requested ''. 

When I call and ask what terms did I request that XXXX does not XXXX, I am told there were no requested terms outside of the bounds of what XXXX  does. 

I am told by XXXX, that I was refused the loan because of a Mortgage Foreclosure with XXXX, which has nothing to do with the requested terms. 

When I asked XXXX to plainly state that I was refused due to the Mortgage Foreclosure, XXXX  refused to do so. 

The Mortgage Foreclosure first missed payment is XXXX or XXXX XXXX XXXX & does not appear on my credit report. Our credit scores are XXXX XXXX to low XXXX. 

I feel that the denial letter should plainly state the reason for denial, instead of being false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I received an email from PayPal that I was transferred {$70.00}. The email gave me the options of an " Instant Transfer '' for a fee of 1 % or a " Standard Transfer '' for a {$0.00} fee. 

When logged in to my PayPal account, PayPal did a bait-and-switch on fees. The " Instant Transfer '' fee is 1.5 % and the " Standard Transfer '' fee is {$0.00}. 

This is the second complaint on this matter. Back in XX/XX/2022, PayPal promised the CFPB to fix the issue. PayPal has not fixed the issue. 

The CFPB needs to inquire with PayPal on how many emails and communications go out to consumer showing a 1 % " Instant Transfer '' fee while charging 1.5 % on their website. This could amount to millions of extra dollars PayPal is receiving as a bait-and-switch tactic on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
XXXX and TransUnion are reporting a collection from XXXX and XXXX XXXX for a debt owed to XXXX. Please be advised that any outstanding debts have already been satisfied with the original creditor which is listed as XXXX. It is against the law for a collections company to attempt to collect a debt that has already been satisfied to its original creditor. Please help delete these negative collections from my XXXX and TransUnion credit reports as they are really negatively impacted my life. I

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 2023-08-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: CA
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 have XXXX hard inquiries from the XXXX XXXX XXXX XXXX that occurred between XX/XX/XXXX and XX/XX/XXXX, yet I have no financial business with them and never have. I am self employed but not a small business.

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 2023-02-20
Company: EQUIFAX, INC.
State: MO
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 XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00}.

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