BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: Convergent Resources, 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: Account information incorrect

Complaint:
I use to be with XXXX and I had bought a new android phone. This happen back in 2019. I was told that I have 7 days if I didn't like the phone. So I wanted to go back to my XXXX, so I returned my android back on the XXXX day. I went back to the XXXX store located on XXXX Blue XXXX XXXX  XXXX, Missouri XXXX and told them that I didn't like the phone and wanted to returned it. I had all the equipment that came with it. I spoke with XXXX and she took all my equipment back including my phone and told me that I had a {$0.00} balance and that I didn't owe anything. XXXX has been bought out by XXXX and I have tried calling them and the outsource to advise them that I don't owe anything and that I returned my phone and equipment back before the 7 days ended. At this point I received a bill that I owe {$1300.00}. This is really effecting my credit report and I am unable to get anything done because this is harming my credit report so bad. I've been with XXXX for over 8 years and this is not right at all. The current company that has my file is Convergent Outsourcing.

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 2023-08-15
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

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 2023-02-28
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for. 

Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support. 

I am beyond enraged with their terrible service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to Transunion dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to Transunion or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.

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 2016-09-03
Company: Select Management Resources, LLC
State: MD
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 disputed my XXXX credit card balance at least 3 times, even providing a credit card statement and XXXX still is posting false information.

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 2022-05-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom this may concern, I am writing to you regarding the predatory lending I have been subjected to with Santander, specifically, exposure to high loan-to-value and payment-to-income ratios. This was due to the dealership illegally inflating my income. 

In XXXX of 2018, I filled out an online application for financing with XXXX. 
I was upfront with information regarding my credit scorXXXX ranging from 400-500 and that I could not afford for a monthly payment to exceed {$350.00}. At that time, I was a customer service representative for XXXX XXXX also known as XXXX XXXX. The XXXX dealership in XXXX CA, responded to my online inquiry and advised me that I was approved and needed to come down to the store to finalize the paperwork. When I got there, the sales representative said she was able to get me approved for a 2018 XXXX XXXX XXXXXXXX  She advised the only thing she had to do was change my income and make it so that I brought in more income than I reported. I didn't think anything of it because I was happy and shocked that I was able to get a car from them with no money down and a credit score no higher than XXXX. The sales representative asked me for my license which at the time I told her I did not have a valid drivers license but only had an ID. She said that was okay but that she had to check something out with her supervisor. She went into another room and spoke to a man then came back and said the ID was fine to take delivery of the vehicle, but that they couldnt allow me to drive the car off the lot. She then advised that she would drive it off the lot for me and have someone follow her. After the paperwork was finalized, she advised the monthly payment would be {$510.00}. She handed me the paperwork and called for her son, who also worked for the company, and told him that he was to follow her as she drove the vehicle I purchased off the lot. She dropped me off at my apartment where she then handed me the keys, she said congratulations on your new vehicle. 

I am filing this complaint against Santander as they should be held responsible for the illegal underwriting practices that occurred specifically related to the inflation of my income to support a payment-to-income ratio I could not afford. This predatory lending is nothing short of a UDAAP violation and is causing negative credit implications. As a result, I would like for the following remediation to occur : I would like to surrender the collateral to Santander and in return, Santander deletes my tradeline and waive any deficiency balance. 

Thank you XXXX XXXX XXXX : CA Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix Financial Services reported on my Credit Report that I owed {$710.00} to XXXX XXXX in XXXX. When I called the hospital they informed me the debt was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I mailed a U.S Certified Mail with a letter attached to request the validity of the debt being reported on my credit. It is now XX/XX/2021 and I have heard no response from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
on. for 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 {$6700.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXXBalance : {$2000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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 2020-09-25
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a us bank reliacard which I used for a month and a half until about XX/XX/XXXX I tried to use it was declined. I call cust serv they say it's locked and I must send docs for verification which they received on XX/XX/XXXX. As I've called everyday waiting hours on hold for them to tell me nothing they know nothing and haven't even looked at my documents. Now XX/XX/XXXX I call and they say the pic id I faxed and also uploaded to the site they couldn't read it!!!!! Really the Id I took photo of with my 64 meg pix camera phone XXXX!!! This so called bank had been giving me the run-around for weeks while I'm left broke and no way to access my money. They are a disgusting and pathetic excuse for a bank. I've never been treated so poorly in my life!!!!!!!!!!!

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
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

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 2022-05-04
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
AES, the servicer of my loan has tried to bait and switch my payments so that interests continue to accrue on one of the loans. I contacted them when they started this practice and told them it was not acceptable and I wanted my payments to be allocated equally. They did this for one payment and the next payment they are back doing the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation