BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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 have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand!

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, 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 Here are the following XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$30.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/21 I got alerts from all 3 XXXX, Experian, XXXX I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. 
This is LAST thing I need. 
This FALSE information as I am CURRENT and have not been late. 
No explanation other than an internal error. 
Insisted I get in writing they reported FALSE info.

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 2018-12-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan was bought by Navient along with the majority of student loans sometime in XX/XX/2013 I believe. I was contacted by them to start making payments. I couldnt afford it at the time having a job that barely paid my bills as is. They requested I go for Student Loan Forgiveness.  Which I did and made several payments following which is what they requested. I didnt hear from them for 2 more years. One day I decided to look into it and as it turns out they had been sending me letters and emailing me about having to make payments. However, they had the incorrect address of where I lived ( house number was off by 2 digits, very strange almost like they changed it so I wouldnt see it ). My email address they had on file was also incorrect. Low and behold, my loans  had defaulted and gained copious amounts of interest. After dealing with 20 minutes of machines I finally reached a representative. They had no idea why that happened and they requested I take a break from payments with financial hardship. I signed up for that not knowing that my loan would continue to accrue interest and raise it even higher. I did this twice before I realized that was happening. I called and expressed my concern and they explained to me how to enroll in the Income Driven Repayment plan. After a week of dealing with mailing my information, talking to reps, and figuring everything out, I was finally able to apply. I made modest payments for awhile and then was notified I would have to reapply every year I wanted to do that program. They made it EXTREMELY difficult to reapply and gave poor customer service as to how I could continue to use the program. The representatives were rude and I was transferred several times to figure out what I needed to do. After 2 weeks I finally just sent them the information they requested and am waiting on acceptance. The normal payments are half of what my rent costs every month and I dont understand how anyone in my situation is expected to pay that much every month. So now Im paying through income driven repayment and it barely covers my interest rate. Im dissatisfied with the customer service and overall handling of my loans with this company. I wish I was with someone else that could actually help me get my loans under control. Although, thats not likely to improve with anyone else. In a nutshell, my only option is this : You cant afford the outrageous payment every month? Ok we will cut it in half but youll be paying your loans quadruple what you pulled out in the first place something needs to be done about the student loan problem millions of Americans my age in this country face.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Bull City Financial 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:
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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
1

5 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: Closed with explanation
Consumer complaint received 2018-04-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems is reporting false and misleading information to XXXX. I have never heard of nor have I ever contracted with Commonwealth Financial Systems. On Tuesday, XX/XX/2018 I mailed out certified letters to both Commonwealth Financial Systems and XXXX seeking validation, not verification of this allege debt under the Fair Debt Collection Practices Act. As of Sunday, XX/XX/2018 both Commonwealth Financial Systems and XXXX have failed to provide me with a response and they have also failed to provide me with a release that releases my medical information to them, therefore by providing ( Commonwealth Financial Systems ) and furnishing ( XXXX  ) such information they are in clear VIOLATION of my HIPPA rights. I will now seek every legal remedy available to me and file suit against all parties responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX & XXXX XXXX  CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. EQUIFAX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! EQUIFAX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- IDENTITY THEFT! 
XXXX XXXX XXXX -- -- IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX RESIDENT VERIFY XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-05
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Loancare LLC Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information reporting in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with the Credit Bureaus pursuant of the FCRA Section 605b. Once again, I need the following items deleted as soon as possible ; XXXX XXXX XXXX XXXX, MO XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021

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 2021-09-10
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts was not opened by me, and that I did not profit from this account having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

I have reached out directly to the Lender explaining I was incarcerated at the time when this loan was being processed. I have also submitted documentation to the Lender directly upon their request to submit proof of documentation for my time incarceration.

This account BMW FINANCIAL SERVICES : Account number XXXX which is reporting on my XXXX credit report only ; XXXX and XXXX credit services do not have this account reporting on my credit profile.

I have reached out to the Lender directly numerous times and requested the original contract and I have not received a response. 
Lender contact information : XXXX XXXX XXXX XXXX, OH XXXX and telephone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
Location HYUNDAI MOTOR FINANCE CO XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, XXXX, on behalf of Target Card Services and TD Bank, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by TD Bank or Target Card Services. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to XXXX that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I had never lived at XXXX XXXX XXXX. XXXX indicated that they would note that the address was incorrect and that the debt was not owed by me. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of Target Card Services and TD Bank. This letter was not sent on XXXX letterhead, but rather only identified Target Card Services and TD Bank. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by TD Bank or Target Card Services ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I XXXX XXXX made a phone call to XXXX XXXX XXXX to take care of a debt that I incurred from XXXX XXXX Hospital in the amount of {$850.00}. At the time of speaking with the debt collector they set me up with two seperate payments which was requested by me. On XX/XX/2020 I made a payment of {$420.00} and then of XX/XX/2020 I made the second payment via an auto draft from my bank account of {$420.00}. On XX/XX/2020 when I made the first payment I asked teh debt collector reprsentative that was taking my payment that once I made the final payment would there be something sent to the creditors on my behalf to remove or delete as that was what I requested and they said yes once the final payment had been recieved. They also informed me that they will automatically mail me out a letter stating that it had been paid in full. Once I made the final payment on XXXX XXXX and I did not recieve anything in mail after a week I called the debt collector and asked them why I had not recieved anything in mail and thats when they told me that I had toc all and request that. I explained that the last representative that I spoke with did not tell me that I needed to call in however, she stated that it was something that they automatically did. To my surprise I did not get accurate information. Also, to have it removed or deleted the representative told me that it was something that was available upon request which I did request However, only to find out that this has not been removed or deleted from my credit. The last report showed that it was indeed paid in full but also as an active account which is not the truth. According to my research this is a UDAAP violation when there is Diceptive Acts of Practice which was very misleading for me and an very unnessary process to do the things that I need 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 2019-04-15
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment. 
Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment. 
Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
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: Public record information inaccurate

Complaint:
Sometime on XXXX, 2020, after I went to a mortgage company, trying to buy a house, I found out that multiple collection accounts were on my credit report that I had not idea of. There was also a BANKRUPTCY chapter XXXX that I never filed. On XX/XX/2020, I started my first dispute with the credit bureaus to remove the accounts that were not mine ( including the Bankruptcy ). After a few disputes I got some letters from the credit bureaus requesting a Police Report, so, on XX/XX/2020, I went to file a Police Report. With the police report in my hands, after a few times of mailing to the Credit Bureaus, XXXX  and TRANSUNION finally removed the accounts from my report. 
Unfortunately, I am still dealing with an alleged BANKRUPTCY CHAPTER XXXX on my report. So I am now contacting the CFPB because I need this public record out of my credit report, because it is affecting me a lot.

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