BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have received a new account credit card with XXXX XXXX which is XXXX XXXX. Signing up for said card, I was promised they would report my account and history to all 3 Major Credit Bureaus every month. Monitoring my credit reports, I see that they have reported to only two credit bureaus, and not to Transunion. This has effected my credit score in a negative manner.

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 2024-01-08
Company: LoanCare, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Received a forebearance from loancare due to a natural disaster. The term was 3 months ending in XXXX. In XXXX I tried to contact loancare and was unsuccessful, I finally reached them in XXXX and was told that there systems were down due to a glitch.I spoke with a representative and asked to review options to reinstate, I chose deferring payments to the end. I supplied the requested documents in a timely fashion and asked for a timeframe I was informed it could take 15-30 days. I was assured again that my credit would not be affected. I received a letter stating On XX/XX/XXXX that I was in default.I called and again was informed that when my forebearance ends as long as Im in the resolution stage I would be ok. I called today XXXX est to ask for a progress report and again was told my credit would not be affected when I informed the representative that her information was incorrect I was put on hold and when she returned her words were I just learned something new I at that point asked to escalate. I spoke with XXXX team leader I told her my predicament and that I had done nothing wrong and supplied all documents. I asked why my credit was affected and told her all her representatives had told me it wouldnt. Her words were you received correspondence and anything anyone tells you is incorrect follow the correspondence not the employee. My position is and always was resolution and a clean credit report. Her answer was write a letter disputing the negative report. I feel Im being treated unfairly disrespectful I also feel Im carrying the burden of misinformed employees and systems failures. My credit is now affected causing major issues and I have no resolution in sight. I feel Im being discriminated against due to my race Im preparing to escalate further.

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 2021-01-06
Company: Lendmark Financial Services
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XXXX. XXXX, XXXX, LENDMARK FINANCIAL S add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my loan XXXX the closer went through the documents, had me sign and was gone. Out of the proceeds my old loan and several debts were to be paid. I kept calling the companies to see if the balances had dropped, nothing. On the XXXX of XXXX after multiple calls I was told there was a glitch in the system and my courtesy checks the payoffs to my creditors never printed and were therefore NEVER sent. I verified had I not called to inquire, I would have been waiting forever, they said true, it was a glitch and they would overnight the checks. The checks arrived on the XXXX I believe, were coming up on a month now that I am paying double interest ( my mortgage and the debts ). Because it took so long one of the bills is paid off so I have a check that is virtually worthless, and the check to payoff my car loan to Missouri XXXX XXXX XXXX XXXX, was made payable to XXXX XXXX, I verified with the Credited Union that they Can not cash such a check!!! After many calls I reach XXXX XXXX at First American Title Insurance Company Mortgage XXXX XXXX, who assured me she would take care of this hopefully by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX XXXX  and I can not reach her nor have I heard from her. I Have a loan that closed almost a month ago with checks totalling XXXX that are worthless to me that I am paying interest on. 

I am at the end of my rope and hoping you can assist. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent Equifax a certified mail concerning the inaccuracy on my credit report on XXXX and they failed to investigate or provide with any information. it s been over 30 days. Violation under FCRA, since its been over 30 days and they haven t verified any items. Please remove all disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX XXXX Balance : {$710.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I had a conversation with the XXXX XXXX located at XXXX XXXX last XXXX XXXX in XXXX to get my glasses supposed to be, however I declined because I felt I was being ripped off, a pair of glasses worth {$720.00} despite the fact I had an insurance coverage deductibles worth XXXX. The lady had signed me in a credit line for an installment plan, she said its like a credit card, no need to worry because its an installment plan and I said ok but I did not authorize her to make any payment because per agreement I have to give her my prescription before the order will be conceived. And when I went home I called my insurance to ask for a second opinion since this is my first time to deal with my eyeglasses with respect to insurance and my insurance said that it was too expensive so I called the other day to inform XXXX that I am not going to continue with the said transaction, I even sent an email to them to cancel it because I can't afford it but unfortunately they did not reply.To summarize after few days, I receive a bill from synchrony bank ( care credit ) regarding eyeglasses, so I called the customer service of care credit synchrony I told them that I did cancel the transaction from XXXX XXXX. And the customer service said that they already filed a dispute regarding my transaction so no need to worry. A month after I received a bill again from synchrony and I called again, I told them why I am receiving a bill? I had no purchases. I thought you have already taken care my issue, I said to the customer service. So they told me again they already escalated the issue and there is nothing to worry about. Again another bill came to me this XX/XX/2019 this is the fourth bill, stating that I had to owe them something. I told them I am going to file a complaint because they did not take my concerned seriously. It gave me a stress every time I receive a bill from them bearing the fact I don't have to owe anything. I feel I am being ripped off of these two companies to let me pay for nothing. I called them to and pro but nobody has taken care of my issue what matters to them is the money they can get from me. I really want to resort to file a lawsuit for giving me a stress and worrying about my credit score. I am hoping that someone can help me resolve my issue. Thank you so much.

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 2018-04-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Wrote letters to both the collection agency and all 3 credit bureaus abs no one has sent me the information I have requested all they continue to say is the account has been verified but has not giving the proof of the verification

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Hirshberg Acceptance Corporation
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX. The vehicle was XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX. 
Upon purchase, I did do a test drive, but I requested to take the vehicle in for a inspection and informed the salesman that I would be doing so that day and was told because someone had stolen a vehicle that I was unable to drive the vehicle so far away for the inspection. 
I signed a as is no dealer warranty buyers guide but was in fact given a dealer warranty and the dealer is refusing to make the repairs needed to the vehicle. The vehicle was sold to me without a Catalytic Converter and just a straight pipe and was totaled out in a accident in XXXX and I was not made aware of that at the time of sale. I took the vehicle to be inspected also my insurance company had the vehicle inspected by a third party and everyone has come to the same conclusion that I was sold a lemon vehicle. I haven't reached out to XXXX XXXX XXXX because I'm afraid to be intimidated by them. I need help with this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Bridgecrest sold me a mechanically malfunctioning vehicle back in XXXX XXXX, XXXX. This was 3 days after a major accident I had with an XXXX driver who knocked out XXXX XXXX  in my XXXX  and one in my XXXX  destroying my last vehicle. When I purchased the vehicle, I was sure to buy full coverage insurance, GAP insurance and anything else they sold me as a protective add on stating I did not want to pay major repair cost on a nearly {$20000.00} vehicle. They also ensured me there were no major issues to the vehicle upon purchase. 

Shortly after, I Started experiencing transmission and clutch issues. I had the car serviced twice for the same issue which they claimed they resolved. By the 3rd time, they claimed my milage to resolve the pre-existing issue was just out of warranty to service the car. They claimed the repairs would cost an additional {$4000.00} to fix permanently. This was after only having the car for about 9mths! 

I made the decision in the fall of XXXX to do a voluntary surrender stating they sold me a bad vehicle which is concealing information while engaging in a lawful contract. Transmissions and clutches on automatic cars don't burn out on vehicle within 9 months unless they're already bad. I did research on the XXXX XXXX and found many of them were having those same issues and consumers we're getting stuck with " hidden lemons. '' Bridgecrest not only failed to provide this information upon signing the car loan, they failed to provide the following via mail or certified mail at my primary residence of 10yrs. : -No right to redeem letter according to GA right of redemption laws -No 10 day letter of guarantee prior to car auction/sale -No post-auction sale statement showing the sale balance recovered at auction. 

This loan is illegally on my credit report given the above information hasn't been provided by the consumer law protection codes in the state of GA. The loan balance to date shows the original balance and a massive amount of interest totalling {$22000.00}. 
Original loan amount Bridgecrest needs to provide this information : -Rght to redeem letter according to GA right of redemption laws -10 day letter of guarantee prior to car auction/sale -Post-auction sale statement showing the sale balance recovered at auction. 

The request to remove the loan from my credit report and provide the necessary redemption letter, 10 day letter of guarantee and auction sale information via certified mail.

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 2022-10-13
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Fraudulent and Deceptive promotion of XXXX ' interest charged massive fees. 

Barclays AAdvantage Aviator - ( account ending XXXX ) I used courtesy checks with a promotional offer to have no fees or interest until XX/XX/XXXX. 

I was charged MASSIVE FEES- there was a 5 % processing fee AND they are charging interest at a variable rate that the first month was 27.99 %. 
an absolute fraud, deceptive and criminal. 

THE EXPLANATION I HAVE RECEIVED FROM THE COMPANY IS : " Upon reviewing your account. The check that you used had to be used by XX/XX/XXXX. Unfortunately, the offer had expired. '' HOW CAN THEY PROCESS A PROMOTIONAL OFFER THAT IS EXPIRED AND CHARGE FEES. IT OBVIOUSLY WAS NOT EXPIRED. 
IT IS WILDLY DECEPTIVE TO HAVE THE PROMOTIONAL CHECKS WORK AFTER THE PROMOTION IS EXPIRED. 
I NEVER WOULD HAVE USED THE CHECKS IF I KNEW THEY WERE EXPIRED. 
THEY NEVER SHOULD HAVE PROCESSED EXPIRED PROMOTIONS SO THAT THEY CAN EXTORT AND TAKE OUTRAGEOUS FEES

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 2020-12-16
Company: EQUIFAX, 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:
XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND XXXX  GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I request the bureau to launch an investigation into the accounts that are erroneously reporting late payments on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the account shows that it was closed XX/XX/XXXX but it's still on my credit report as a negative item. date opened was XX/XX/XXXX for XXXX dollars but it was paid off in XX/XX/XXXX but still not off credit profile. 

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 

Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

Company response to consumer: Closed with explanation