BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: AZ
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:
The company is reporting XXXX accounts for student loans twice. I called and spoke with XXXX today at XXXX XXXX. XXXX was able to identify me and got access to my account with a one-time access code XXXX before ending the call. As I spoke with the rep she placed me on hold after I mentioned that what they were doing was against the law she hung up the call to a survey in which I completed. I called immediately back and spoke with XXXX who I asked to be transferred to a supervisor. I was then transferred to XXXX ID # XXXX per the last supervisor of my calls today. XXXX refused to give me an identifier for documentation purposes. I spoke with XXXX at XXXX XXXX and he stated that I was not able to be authenticated and he could not proceed. I asked how was that possible if XXXX was just in my account before she terminated the call? He got frustrated and requested that I send in information and I refused as it was just validated. I requested to speak with his superior which happened to be his teammate that he was Instant messaging while I was on the call before the transfer. I was then transferred to XXXX ID # XXXX  ( which I believe are all fake identifiers ) who then repeated word for word what XXXX told me and tried to avoid assisting with the information I was calling about. He was in consistent contact via XXXX with XXXX unwilling to assist as I hear the typing on the call. I just like to have all the accounts removed for inaccurate reporting as by law they are to report accurately and they fail to do so. I have sent verifying information on a few occasions. As I am protected by consumer law it is my right to request this removal as they have failed to validate information nor send requested information regarding this information. I did also mention the recording of the call on my end as well for validation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation from this company to prove I owe a debt they have been contacting me about. I requested they provide validation NOT verification. I requested proof that they have a right to collect a debt from me, I requested the appropriate balances and fees and a contract bearing my signature to prove the debt is mine. The company has mailed me a letter that appears to be typed because the names do not match, they are spelled incorrectly and most importantly the letter is in VIOLATION OF HIPPA. This company has listed medical procedures/ operations performed which is a violation of HIPPA . I request this company cease reporting to the credit bureaus immediately and provide proof that they will cease reporting to the credit bureau or I will be taking legal actions against this crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Account information incorrect

Complaint:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Requesting XXXX to Restore my points between XXXX XXXX thru XX/XX/XXXX, totaling.XXXXpoints.Reqesting XXXX to Restore my Points between XX/XX/XXXX thru XX/XX/XXXX XXXX have been XXXX Credit customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot ; goodwill & quot ; adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that dates back to XXXX. Since that time I have been in exceptional customer paying every month on time. because of my exceptional history over the last two years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX, XXXX, XXXX and Experian is willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. with todays credit industry so competitive, I know how important it is to maintain good relationships with customers.XXXX  XXXX has been exceptional in my book so far, and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest.I look forward to your reply.

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 2021-12-07
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. It's been 90 days today I feel like I'm being taken advantage of. Section 611a states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my report. My consumer rights are being infringed upon.. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond stating that someone else is filing complaint. I GIVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT!

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 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX  cardbXXXX be on my credit? How? XXXX XXXX XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX  and XXXX  inquiries. Please Im sorry but Im stressed.

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 2023-10-06
Company: Flat Branch Mortgage, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I hope this message finds you well. I want to address a matter of utmost importance. If you are unable or unwilling to assist me in filing a complaint, I kindly request that you connect me with your manager or someone who can facilitate the process. 

It is crucial that I file a complaint as soon as possible, and I appreciate your cooperation in ensuring that this matter is escalated appropriately. 

But The Manager XXXX XXXX at Flat Branch home loan not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 paid this account off in full. Opened another bc it was for {$8.00} after I paid off, then paid off that balance it shows up as a negative on my credit report and would like the account removed since balance was paid in full and they agreed to remove it

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 2022-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}

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 explanation
Consumer complaint received 2018-10-18
Company: Early Warning Services, LLC
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:
My identity theft is not being taken seriously and was not included in any reporting that XXXX did to early warning services which has made it impossible for me to open a bank account plus it affected the current account I had causing a freeze and they are reporting information to the agency wrongfully and have not responded To any notices sent on behalf of me and the FTC on XX/XX/2018 and also they havent responded to a police report number submitted prior to that on XX/XX/2018 for the fraud committed in my name. 
It went as far as affecting my auto and renters insurance and I received nasty letters from my XXXX XXXX and property insurance company starring they would cancel my insurance because of what XXXX REPORTED. 
Ive called dozens of times to talk to a live rep and each time was put on hold to be told after 20 minutes they couldnt be reached in the security department that I would receive a call back and I never did. 
Then my email was part of my idintity theft and they continued to send emails to me even though I could not access the accounts that had been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX I tried to log into my US auto sales account to make an online payment due for XXXX. I then learned this company closed and sent all accounts to XXXX XXXX XXXX. I was not in default or in bad standing. The company did not inform me of any changes. I try to pay the payment on XXXX and it will NOT allow me to pay i get an error " generated token failed '' I have paid the same amount on the same exact bank info since XXXX i was not aware period this was happening. I now have a charge to pay the account that is new as well ... .2nd issue i have is we are not told anything about changes and the debt collections XXXX  has my payment the same, but wrapped up in my car payment i am paying for services i no longer have such as my GAP insurance and servicing fees that are no longer applicable. I am not understanding how this is legal to send my account ( hundreds of people ) to a 3rd party company XXXX warning and still charge same amount for services they do not provide. my payment is XXXX every 2wks that has built in a fee for title, GAP, and servicing. XXXX  does not provide these services so i feel it is fraudulent due to having me pay " make believe '' services and it is not " real ''. I do know i owe my car payment, but i feel legally this is not right. we should have those services taken off the amount we pay monthly due to not receiving them. I am unsure how to pay this debt collector because they state they do not have my contract and will not have my title, that they are simply there to collect debt. I purchased this car in XXXX, i have my loan amount under XXXX but this is not right. i have my car loan sent to " collections '' when i was not defaulted. What do we do for paying the services not provided. looking at my contract when purchased the car i am paying little over XXXX for these services and they are no longer offered to me at no fault of my own. The US auto sales gave XXXX warning for any of this and i find it unjustifiable to pay a debt collection on my credit report even when i did my part up until this business closed. How can i get this debt for services OFF my total payments left and 2nd how do i even make the payment if i only get " error ''. This is happening to hundreds of people XXXX  warning XXXX answers to questioned asked. XXXX had long wait times and hangs up on people while asking questions about their portfolios.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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 have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and TransUnion have reversed them but XXXX  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: MI
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:
So upon checking my credit and going over my credit reports I found out that their was a bankruputct reporting on my credit report. When I saw that this was on my credit report Itook action and ask the Credit Brueas to remove this off of my credit report. They respose to me was it was verfied. How can they just say that it was verfied when I never gave them permission to verfiy it. 

The Bankruptcy is Dated on my report as XX/XX/2018. 

I have asked them numerous of time to remove this.This harming me and my kids by me being the sole provider. I am unable to get the job that I need. 

Per 15 USC 1681k ( 2 ) and 15 USC 1681 ( c ) them reporting this information is wrong.

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 2018-09-26
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a check that I wrote to a vendor on Friday afternoon after XXXX XXXX and the Monday before that I had deposited a check that was returned and I learned from that on Saturday Morning. I went to deposit cash for the negative balance and to cover the check. Monday the check is presented and they charged me an overdraft having cash in the bank? according to the bank the cash is not available right away? in another distance also this bank put a deposit on hold over 2 weeks. What would they take 2 weeks to have funds available. I think this bank is abusing the customer and taking advantage and needs to stop.

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 2021-12-31
Company: TRUIST FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed money against my home in a refinance to pay-off credit cards and loans. 
Sun Trust Bank XXXX LightStream was the bank I borrowed from, and the loan was secured my XXXX XXXX XXXX XXXX XXXX van. The original promissory note was drafted and signed on XX/XX/XXXX for $ XXXX 4.54 % for 60 months. Payments of {$260.00} were set up as an auto draft on the 28th of each month, with the first payment drafting on XX/XX/XXXX. No penalty for early pay off on this simple interest loan. The finance charge was to total {$1600.00}. 
During Covid-19, I received payments deferred for several months and there was to no penalties for this service. 9 months of Payments from XXXX were deferred that totaled in {$420.00} of interest accumulated from this deferral. This amount was remunerated by the XX/XX/XXXX payment in the amount of {$260.00} and on the XX/XX/XXXX payment in the amount of {$160.00}. ( Please see loan amortization document ) I asked for original amortization and did not receive it. This issue of interest is not my complaint. 
On XX/XX/XXXX, I printed out an invoice from the LightStream web site, that they provide to final figure for payoff, to print out. The invoice reads a payoff amount of {$7500.00}, and a copy of the invoice was attached to the check. 
I sent a check for {$7700.00} ( the check was drafted from XXXX XXXX, my title company that was utilized for my refinance closing ) on XX/XX/XXXX. The amount of {$7700.00} posted on my LightStream ledger on XX/XX/XXXX for some reason leaving me a balance of {$24.00}. Therefore, my interpretation of that document ( The Invoice ) is drastically different than whoever did the accounts receivable and evidently didn't look at ( The Invoice ) stapled to the check. Anytime within my life, personal or professional, a Payoff Amount means just that... no translation needed. Valid through date of XX/XX/XXXX was clearly stated on the invoice as well. They processed the check and posted in on the XXXX of XX/XX/XXXX. The system still processed another payment 4 days later, because someone did not honor LightStream 's own invoice and computer calculations and left the {$24.00} balance. Incidentally the balance is stated as the interest. I am essentially paying the loan approximately 20 months early. I did reach out to LightStream for some explanation and spoke with 3 individuals, one identified herself as being a supervisor. Not one of them would honor my request that they have their accountant reassess the figures. It makes no sense. They feel the auto debit was accurate and {$260.00} minus the {$24.00} equals a refund of {$230.00}. Apparently, their own invoice is disregarded.

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