BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
Company: Chrysalis Holdings LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NewDay USA Issues timeline : 1. Promised to close in about 2 weeks XXXX XXXXBasic numerals to close provided. 
2. Up to XX/XX/XXXX many attempts to contact email, voicemails etc ( little response ) 3. Around XX/XX/XXXX after numerous attempts to make contact the Assistant Vice President Loan Origination tells me that the previous employee was fired. 
4. Now requests to unfreeze my credit so he can pull a 2nd credit report?

5. Said he was going to handle the issue personally, about a week or two later then requested again my credit be unfrozen ( 3rd time ).

6. At this point I also requested my loan numbers as I had little faith in what was going on and they were going to buy done points ( etc ) I just just wanted the current/simple numbers as my trust in them was going down with every interaction.

7. No response for over a week and on XXXX almost 2 moths later the numbers were approximately 10/12k higher than first quoted.

8. On XXXX ( Friday ) left a message that I should be his first call on Monday to explain the delta between the two quotes. Assistant Vice President Loan Origination 9. OnXX/XX/XXXX he finally got back with me well over a work week. ( Insanely ) I explained to him that I no longer needed his services and already started a new loan with another company. This company was .25 % lower rate and 10k more cost effective ( basically what I was promised ) by them at the beginning. I already have a closing date and completed my appraisal and everything else ( in a week Ill add ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX XXXX account # 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 an account without my written instructions.

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 2022-07-24
Company: EQUIFAX, INC.
State: PA
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, XXXX account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: VYSTAR CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had a lease with XXXX XXXX and I sold it to buy a vehicle with XXXX dealership from XXXX FL. They sold me a vehicle and charged me a total amount for it of {$42000.00} on a car originally priced at XXXX. They added XXXX on top of the car which are not taxes. There was some additional services and protections that I added but I also ended up paying a market adjustment on top of that as well then they placed me on a 84 month term to bring my payment to {$630.00}. They never indicated that they were adding a market adjustment to my loan which is absurd and I honestly thing that is theft because they are charging me for something that I don't have t to pay. Because of this issue now I am XXXX over and I wanted to change my vehicle to a SUV and I can't because of this issue. This was not done with my knowledge or consent. They actually told me in another dealer that they scammed me which is so horrible to do and I don't even think that is legal to do.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-08-03
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was charged twice by a company I purchased goods from. 1 of the charges was listed as " pending '' on the day I made the purchase XXXX. The other charge that was shown as " completed '' was dated XXXX. Both were from the same amount XXXX Both amounts were deducted from my card account. The company I purchased from told me they only charged and collected 1 time. The pending charged stayed on my ledger for nearly a month. I attempted to call the card company XXXX at XXXX. Could never get though to file a fraud claim or resolve the issue. No automated option would get me a person. All options eventually lead to me being disconnected. 
Now the pending charge is gone. But the 2nd XXXX amount has not been credited back. 
I called the Parent company of Way2Go / XXXX which is Conduent. At XXXX and the person that answered ( XXXX ) would not help. Asked XXXX for her supervisor. Was told she was in a meeting and couldn't be disturbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written letters to exeter llc letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised exeter llc that I request that they provide evidence that I must pay exeter in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
- Opened checking account with Citibank in XX/XX/XXXX - XXXX Debit Card Initial Funding Internet from account XXXX for {$25.00} - Closed account soon after - Called many times since to request refund of {$25.00} - Case File # XXXX - Sent proof of address on XX/XX/XXXX to fax number XXXX - Filed a complaint with " XXXX '' on XX/XX/XXXX - Expected a refund check by XX/XX/XXXX. To this day, unable to obtain refund.

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 2023-03-07
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been responding to many collection companies in XXXX letting them know that the debt is not my responsibility and I have a letter from the creditor, XXXX XXXX XXXX verifying that the account was created fraudulently using my business name. 

Here is the letter I sent to dispute the debt again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Credence XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XX/XX/XXXX Reference # XXXX To whom it may concern, I have disputed this collection notice many times now and once again, I dispute this notice of debt because it is not mine. The creditor for the debt is XXXX XXXX XXXX and they have sent me verification that the debt was fraudulently opened using the above business name. Please see attached letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX. 
Pursuant to my rights under the state and federal fair debt collection laws including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. 
XXXX XXXX XXXX XXXXXXXX XXXX  completed their investigation and concluded that the party who opened the account was not the referenced business but used the business name XXXX XXXX XXXX XXXX XXXX XXXX  for the account. XXXX XXXX XXXX has cancelled the unauthorized account and credits will be issued for any charges incurred. 
Since this account has been cancelled by the XXXX XXXX XXXX XXXXXXXX XXXX and their investigation concluded that I do not owe any money. I request that you cease and desist all communication with me as I am not responsible for the debt. 
I have taken this matter further and submitted this concern to the CFPB. 

Sincerely, Owner, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian, XXXX, XXXX and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



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 2022-01-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried to 'downgrade ' the sapphire reserve card to freedom card ( rolling 5 % cashback quarterly category ). But Chase refused to downgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an automatic recurring payment set up with the company. Since the beginning of 2018 when they changed their system the additional money I pay each month does not go toward paying down the balance on the loan. Instead they apply it towards the next months payment. Each month I call to have them apply the excess payment to the balance of the loan and not towards the next months payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Account information incorrect

Complaint:
Please investigate the following information. XXXX XXXX  XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of major delinquency is incorrect, correct it or delete this account. The type of loan is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. XXXX XXXX XXXX  XXXX. Date open is incorrect, correct it or delete it. Type of account is incorrect, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. Date of last payment is incorrect, correct or delete this account.XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date of last payment is incorrect, correct or delete this account. Term duration is incorrect, correct it or delete this account. XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Date reported, correct or delete this account. The date of major delinquency is incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. The Account Owner is incorrect, correct or delete this account. Date of first delinquency, correct or delete this account. t.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2022 I sent to TransUnion XXXX XXXX Assistance Department documents pertaining to me being a victim of identity theft. The information was received and sign for on XX/XX/2022. I sent the following : XXXX ) A copy of my credit I received from TransUnion with the fraudulent item circled. 
- XXXX XXXX XXXX XXXX # XXXX XXXX ) A copy of my Identity Theft Report, Passport and Utility bill. 
XXXX ) A copy of 605B of the Fair Credit Reporting Act, which requires TransUnion to block the fraudulent information on my report resulting in Identity theft within four business days and to promptly notify the furnishers of that information. 

Yet as of XX/XX/2022 TransUnion has done nothing about the Identity Theft Information that was sent to them and continues to report this fraudulent and inaccurate information to my credit report ( XXXX XXXX XXXX XXXX  # XXXX ) which violates my rights. Also in Accordance to the Fair Credit Reporting Act. Account XXXX XXXX XXXX CA XXXX, has violated my rights. 15 U.S.C 1681 Section A States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written Instructions. I never gave written instructions for this fraudulent account. Please remove this account immediately!!! 

Attached is all the Identity theft information that was sent on XX/XX/2022 to Trans Union with proof of receipt

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 2021-09-06
Company: EQUIFAX, 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:
Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NY
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 sent a letter off on XX/XX/2022. To remove personal information that I do not want on my report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit report by transunion in XXXX app shows that there two XXXX communications lines taken in my name but I have never used XXXX. Then I opened TransUnions site and created an account. They charged me {$20.00} just to see my credit report and file dispute but my credit report information does not come up on their website but one of thr addresses and phone numbers mentioned in their is not mine. It shows my name but the address is in XXXX whereas I am in 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 2018-06-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit card issuer 's online automatic payment feature duplicated different debit/ amounts ( {$300.00}, {$120.00}, {$120.00}, etc. ) from my bank account for 1 single payment date ( 6/15/18 ). Several calls were made to the issuer to resolve and reverse erroneous, subsequent debits. Issuer claims " 14-21 business days of research is required '' before any funds can be reversed/returned. In the meantime, I have cancelled all future automatic payments.

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