BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: Global Lending Services LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have expressed to my car loan lender that I am unable to make payments due to COVID 19. I was told that I am only allowed to place a car payment back into my loan amount once after every 6 months of consecutive on time payments are made. I was only able to do this once after being unemployed due to COVID 19 for over five months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BHFC Financial Services INC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently noticed a derogatory debt from a repossession of a car purchased on XX/XX/2018. I never purchased a car from BHFC financial at any time in my life nor have a had a repossession of car from them or at this period of time. I bought a brand new car under XXXX XXXX on XX/XX/2018 have never made a late payment or even gotten a new car since my auto loan with XXXX started. This company is scamming people because I have never dealt with financial company in my life.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have  belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-10-30
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
I am writing to you today about my most recent issues with my Financial Institution, Pentagon Federal Credit Union. My issues specifically involve their XXXX XXXX 

I had a horrible experience with my original mortgage closing and ended up having to pay some of their closing costs for them. Luckily, I had an extra {$3.00} XXXX dollars available to cover the costs they should have paid. They did eventually reimburse me but only the money not the use of it or the lost time. It was actually the third closing date they missed the first two. My lawyer said it was the worst closing he had ever seen and would never do business with them again. I complained to the Consumer Financial Protection Bureau but to no avail. Even though they admitted to fouling everything up nothing happened. 

So, shame on me when they offered to refinance my home and lower my payments in late XXXX  I foolishly took them up on their offer. Six months later I received a correspondence from XXXX who held the insurance on the property that they had not been paid in several months. Now this was not my issue in the since that it was coming out of my escrow but of course I did not want the insurance on my home cancelled. I contacted PenFed and they tried to blame it on a subcontractor and it was going to take forever to get the payment. So, once again I was forced to pay PenFeds bills for them but this time there would be no refund.

PenFed agreed that they should have paid the insurance but did not. Now they claimed that they had not held back enough funds to cover my escrow and they raised my mortgage. Now I know that escrow can change but only when taxes change or insurance rates go up. Neither of these happened. Instead PenFed apparently made an error figuring out the mortgage and now they just raised my mortgage. 

I tried to explain that we had a contract and you just can not arbitrarily change the rates. I finally escalated to, XXXX XXXX XXXX, XXXX of the Board of Directors. He apparently does not see a problem with this strategy. I asked if I could arbitrarily change the rates downward and was told no if I did not make my payments they would foreclose. 

Im a little bit baffled that a financial institution the size of PenFed would not have a better grasp of business. They are either totally incompetent or just dishonest.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, # 2003, 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

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 2018-05-12
Company: Pinnacle Credit Services, LLC
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:
I have disputed the inaccurate reporting of Pinnacle Credit Services LLC several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. Pinnacle is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX Pinnacle Credit Services LLC. The investigation into this inaccurate account has been less than adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX : XXXX, XXXX XXXX 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.

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 2019-07-31
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.

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 2019-06-03
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection that was paid on XX/XX/19. This debt was already settled with the creditor and has been removed from XXXX and XXXX credit report. I have the letter from the credit sent in the mail stating account was settled/paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my report right away : XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXXXXXX 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 2018-11-10
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX and spoke with a customer service rep. that stated she  couldn't locate an account at all. I demand this inaccurate information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, XXXX XXXX is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ). 

Also XXXX XXXX Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 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

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 2023-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern, XXXX charged a fake no show reservation on my capital one card, after I already paid them full amount plus XXXX additional driver fee using my XXXX  card when they lied the reservation was under my name instead of my husbands name. I disputed the no show charge with capital one and submitted my evidence ( please see attached : rental agreement, etc ) through mail and online multiple times. Capital one only acknowledged the fake evidence from XXXX, and denied any evidence provided by me. As a result, they unfairly declined my dispute. They failed to protect their consumer under fair credit act. Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
bill is paid need to be removed from credit

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 2022-05-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
equifax refuse to remove incorrect information info despite have a ftc report with Identification included. the instructions are pretty clear when it comes to FTC reports on fraud and identity theft and should not be met with a debate between a reporting agency that assumed the role of collecting personal data for profit i will be seeking litigation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to complaint XXXX. These are considered stall tactics. I will not be contacting the original debtor because they sold the debt to you hence why you are trying to collect this debt from me, they are no longer pursuing so I will not be contacting them. Again, what you sent me was VERIFICATION -- -which are bills, receipts, itemized statements, that is not what I asked for. I asked for VALIDATION -- which would be a promissory note or contract with my ORIGINAL SIGNATURE. In your complaint you stated it would be part of my medical record to obtain this. That is not true.Having worked in the medical field, you can request the signature page of what the consumer signed that contains no information that would violate HIPPA. Now I have asked for validation several times and you have yet to provide. If you continue to not provide this info and break these Federal laws, I will be forced to take this complaint to a higher level. I have no issue with suing your company for failure to provide the requested info and that was supposed to be done months ago and I will spend the money to take you to court!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX and XXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX, TransunionXXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.

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 2019-06-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.

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