BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
hi transunionhas a 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 XXXX transunion has me at a score around XXXX. 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 XXXXThis 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 XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-12-01
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never agreed to the charges from a XXXX XXXX and i left the country. they took XXXX already without my permission. On XX/XX/2022 i called XXXX costumer service to tell inform them that i will be leaving the country for a month and have asked them to switch for the international service for calls they offer they told that that there will be a charge of {$10.00} daily for calls, which didnt work with my budget so i refused the offer and that was or should have been documented in their system. When i left the states XXXX started to send me text messages stating that they are charging me {$85.00} for using the data and then charges kept adding up even though i wasn't using the data. I didnt contact the company because i was still out of the states so I didnt want to get charged for contacting them. When i came back I received a bill in the mail of {$4300.00} and a withdrawal from my bank was made to them of {$1300.00}. I called them again to see why i was being charged and they have told me the amount was the total the data i was using overseas. My daughter called them again to see why I wasnt informed at the time when I called before leaving the states that i will get charged even if i used the data and their response was * he ( i ) he should know that although my daughter has told them that most companies let dont charge their customers for using data overseas and her company is one of t of them they still want me to pay the full amount which i was not informed at the time of my first call before leaving the states. Now it is with a collection that is on my report and ruining my credit and trying to collect money i don't feel i owe.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: Midwestern Health Management INC
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a paid medical collection that the collection company, NW Financial Services, refuses to remove from my credit report. They are verifying it as unpaid through transunion dispute when I paid it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

Account name : # XXXX, XXXX, has 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 do not have an account with XXXX and I am totally upset how this account continues to appear on my credit report. I am a Government Employee and this could pose a risk to my security clearance.

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 2021-05-03
Company: HYUNDAI CAPITAL AMERICA
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been trying to correct a multitude of problems with Kia Motors Finance since XXXX of XXXX due to them incorrectly applying extra payments to interest instead of principal, erroneously charging me late fees and NSF fees and later agreeing to waive them but never updating my balance, charging me higher interest on a higher principal balance due to failure to correct my principal balance as promised and then later promising to correct the inappropriate interest charges and not doing so, and continuing to erroneously report a late payment and incorrect balance to the credit bureaus despite dispute and numerous calls. I contacted Kia on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, email on XX/XX/XXXX, XX/XX/XXXX by phone an email, and today I spoke about the problem again with a XXXX reference number XXXX who confirmed they still had not corrected the payments but he could see I have called numerous times about it and that it was supposed to be corrected. I spoke with a supervisor on XX/XX/XXXX who reported she would " waive the NSF and late fees '' and XXXX said he saw that and it should have been updated within XXXX hours by Friday XX/XX/XXXX but could not explain why it had not been updated once again. I have included call logs, my Kia Finance payment history that shows payments, and how the principal balance has not updated in months nor have the extra payments for principal been moved as promised. You can also see NSF or late fees randomly applied to my account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They also applied {$510.00} out of my {$700.00} to interest only on XX/XX/XXXX payment which is more than the required {$600.00} and then reported me as late in XX/XX/XXXX to XXXX and the other credit bureaus despite filing disputes with all XXXX. I am tired of calling this company and them doing this to me and the late payment interfered with a mortgage application I applied for just last month and was part of why I am paying a higher deposit to my new apartment since I could not get a mortgage.

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 2021-05-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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: Investigation took more than 30 days

Complaint:
I traded a vehicle 13 days before my due date XX/XX/2020 on XX/XX/2020. It was a 54 month term I had the car less than 24 months. The creditor listed me as late for XXXX and XXXX payment and sent me a final payoff letter dated XX/XX/2020. 
That documentation alone corroborates that I wasn't late in addition to the fact that I was no longer in possession of the vehicle after XX/XX/2020. I disputed with all 3 credit bureaus supplied documentation in addition to the paid in full letter and state tax forms specifying the date of the trade in. They all sided with the company who were paid off but each one of the bureaus have the dispute results listed as paid in full but the late payments are hampering my credit growth. Credit Acceptance Co out of Michigan has the propensity to berate under served customers and communities per the 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 2019-08-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been constantly asking for lower payments. They are not considering my cost of living and that is unfair. I am a XXXX, living on a XXXX 's salary in XXXX. My housing prices have gone up every single year and I have been trying to get on affordable housing for at least 5 years with no luck. I have tried to find cheaper housing with no luck. The loans do not consider this in my repayment calculations which is harmful to those of us who work in big cities. I had to get a XXXX to XXXX. I also had to live. 

I last spoke to the fed loan servicers on XX/XX/2019 and was told that with a repayment under the income driven plan, I'll be paying XXXX which is reasonable. However, once I got my letter back XX/XX/2019 it was back even more to XXXX. I already told them XXXX is really tough for me to pay with rent expenses, commuting, bills, and food. That's why they had me do another. I find it strange that they keep coming up with the same amount. I really need help with this. Please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NC
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:
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.

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 response to consumer: In progress
Consumer complaint received 2021-05-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I have been receiving emails from someone from Ace Cash Services. 
Their email address is XXXX. 

One email states the original loan was for XXXX. The settlement amount is XXXX The Customer ID is XXXX File # : XXXX XXXX The loan was signed via my email address. My SSN will be placed on hold by the United States. Legal action will be taken against me. Court fees will be XXXX To resolve the debt I need to contact : Department of Law and Enforcement ( Ace Cash Services ) between the hrs. of XXXX and XXXXXXXX ( EST ) A different email states the loan was taken out online on XX/XX/2015 for XXXX. Loan signed with my email address. They state in a different email that my computers IP address was traced when signing the online contract. 
These online applications are to be secure by the loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
1.My Name is XXXX XXXX my cash app is XX/XX/XXXX XX/XX/XXXXand my email is XXXX and my phone number is XXXX 2. The date of these transactions is XXXX XXXX And the amounts are XXXX XXXX XXXX and XXXX The first transaction was at XXXX : XXXX and the last one was at XXXX : XXXX 3. The reason Im making this claim is because I never made these transactions I dont know how somebody did but I need my money back 4. I was no instructed to download nothing 5. I have a XXXX XXXX XXXX 6. XXXX New York 7.I never forwarded or gave my Account to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX & XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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

Company response to consumer: In progress
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 worked for a company, XXXX XXXX XXXX XXXX, which is a XXXX XXXX XXXX XXXX XXXX. I was issued an XXXX XXXX XXXX credit card. All of the company business credit cards clearly show that they were BUSINESS and not personal. In fact I was denied use on several occasions because the attempted use were clearly not business related uses. All the other XXXX employees of the company were issued and used the XXXX XXXX business cards as well. Occasionally I used my money from my personal bank accounts to pay back the company for my personal XXXX  purchases. The money was paid directly to XXXX XXXX per company policy. The XXXX went under and XXXX XXXX placed a notice on my personal credit file that I was personally delinquent and accountable for the business accounts! Prior to the delinquency notice nothing from XXXX had every appeared on my credit report ( Note! I once applied for an personal XXXX XXXX card years ago after working for XXXX  and I was denied! ) I notified the credit bureaus and they said I had to notify XXXX XXXX. I did so and XXXX XXXX responded that since I made some payments on the business account, that I was personally responsible for all the business credit card debt. It was a business account and never showed up on my credit report until it was delinquent. I never signed any agreements to be personally responsible for any of XXXX XXXX XXXX  debt. I simply paid them for my XXXX  that they purchased for my use. XXXX XXXX seems to be making up actions that the credit bureau 's are just accepting and basically refusing to remove from my credit report. As a result my XXXX XXXX has plummeted to below XXXX for the first time in my life. There is no way that a company can hold someone responsible for another company 's debt simply because the individual paid a bill! Because of Covid and my finances having been hurt, I am unable to get a lawyer to address this matter. But I feel like XXXX XXXX is being given XXXX  XXXX access to my personal credit files with no personal permission or personal grounds to do so. Thank you for your time and anticipated cooperation in this matter.

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 2022-08-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX

Company response to consumer: Closed with explanation