BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INCXXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX and XXXX. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2016-02-23
Company: YKS Acceptance, Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX. The lack of oxygen caused slight XXXX XXXX and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, TD Bank requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

After falling in the lake, I was in a XXXX XXXX XXXX for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Streamline Recovery Inc
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-04-04
Company: Louisiana Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only one authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.

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 2022-12-27
Company: EQUIFAX, INC.
State: KY
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:
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXXXXXX XXXX XXXX where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Privacy

Complaint:
i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep

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 2023-04-29
Company: Siggi LLC
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: Old information reappears or never goes away

Complaint:
I paid off a past due account on XX/XX/XXXX totaling {$1000.00} in preparation of purchasing a home. After I purchased the home in XX/XX/XXXX I later disputed the account the following year and the company updated the account incorrectly having it show that I was delinquent in year XXXX when I disputed it. I disputed the account again and the company updated the account for this year XXXX. The account was first opened well over 7 years ago and should not be on any of my 3 reports. I recently disputed and sent communication copies of emails and letter of explanations I had with XXXX XXXX XXXX XXXX. The account was paid in full and had to be paid in full in order for me to qualify for a home loan to purchase a home XX/XX/XXXX. This makes like my 5 or 6th time trying to resolve this issue. To note : I did manage to make an account online but the loan paperwork nor documents would not download. I'm guessing that since it dates back around XXXX, the records may not be available for the consumer anymore. Year XXXX was the last time I received a loan from this company. I fell behind after that loan but paid it off in XX/XX/XXXX after receiving VA XXXX compensation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA. XXXX To Whom It May Concern : This is concerning Account Number : XXXX. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 

This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations in Illinois has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. 

I intend to take all legal steps available to me if I do not hear back from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Bank of America has yet to reimburse the checks they let get confiscated from my account all im asking is for them to fix this situation I know my information was stolen Bank of America know that there has been a female whos not me that has been stealing funds from my account so far most of my funds have been returned besides my XXXX and my XXXX I want resolution im tired of complaining I just want my money returned to me in peac without all of this hassle I need my funds to live and take care of my business here at my home Im behind because of the lack of help from this bank its horrible

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 monetary relief
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX  I have filed a complaint against Bank of America for opening an unauthorized card in my name. 

XXXX XXXX XXXX XXXX In the end, Bank of America admitted that the employee opened a card in my name without my permission as the recording showed that I declined on 5 different occasions. 

However, the supervisor had the card closed out at the credit XXXXXXXX XXXX with the false statement that client ( me ) requested the card to be closed, while i never ordered a card so that should have been closed out as Bank of America unauthorized opening a card in my name. That caused my credit score to drop down by XXXX points resulting in higher interest charge for a mortgage I was going to apply for and ended up not getting due to the additional cost. But i got a private loan instead. 

I have spent today almost 2.5 hours and have been transferred numerous times to the wrong department to see if I'm included in the compensation that Bank of America is ordered to pay out for unauthorized credit card and other wrong doings. 

Since even the 4th transfer was to the wrong department, I felt I have no other choice than to file a complaint as I don't have all day to try to speak to the right department. Please have Bank of America reach out to me. I have the complaints that were filed through this website on file, and they are showing that what I'm communicating is correct.

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 2017-03-31
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation