BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Avid Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX, XXXX I was in a car accident. The deductible to repair my car was {$500.00} so on XXXX XXXX, XXXX I contacted the company the car is financed with to notify them what had happened and I requested a payment extension for the month of XXXX to help cover the deductible. The finance company is Avid Acceptance and the agent I spoke with is XXXX XXXX. The contact info I have is XXXX ext XXXX. I was told I could have an extension for the month of XXXX and he emailed me a document on XX/XX/XXXX stating as such. The email and form said to reply to the email that I accept the terms and it would be processed, which I did. I assumed the matter was taken care of until I received a voicemail from someone at Avid Acceptance named XXXX, same number but her extension is XXXX, on XX/XX/XXXX claiming to be XXXX XXXX supervisor and stating that I had not responded to the extension document, which I had. Upon returning her call that day I was connected with XXXX again who informed me that the XXXX extension had not been processed and I would need to make the payment and he would try to defer XXXX to get me on track. This was also sent in an email from him to me on XX/XX/XXXX. On XX/XX/XXXX I was again contacted by this 'XXXX '' who never seemed to want to talk after leaving a message to contact her ASAP, again I was connected to XXXX who gave me the run around again and was adamant about me making a payment for XXXX. My credit report was also reported as a late payment over 30 days at this time. On XX/XX/XXXX I  submitted a payment in the amount of {$400.00} which was supposed to be my XXXX payment due on the XXXX but was in fact credited as payment for XXXX. I began calling everyday to speak with either XXXX or XXXX and emailed also with no response as of today. I have recorded phone conversations being told over and over that XXXX and/or XXXX are busy or out of the office with different agents asking to help me until I explain the situation and its passed on. I am concerned they are avoiding the extension that was promised and trying to destroy my credit in the process. I am currently in Chapter XXXX and this finance company was selected by my trustee as the car was purchased while I am in bankruptcy. My monthly funds are limited and I requested one simple extension which In writing looked legit but no one can seem to make happen in reality. I have documentation, voicemails and recordings to support my claim.

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 2022-04-25
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
The company is in violation of 15 usc 1692b ( 2 ), 15 usc 1692b, 15 usc 1692c. Ive sent multiple cease and desist letters to the company they have not responded in a timely manner, nor did they have my consent to collect on a alleged debt another violation of 15 usc 1692e. I sent a letter on XX/XX/2022 with no response or verification that the alleged debt is mines while it is still reporting on my consumer report. They have not properly addressed my affidavit of truth that was sent out XX/XX/2022 not rebutting the violations line for line with another affidavit. The company has violated my consumer rights as the originator of credit I did not give any written consent or permission for a third party company to collect on a alleged debt on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Absolute Home Mortgage Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I worked with my realtor to obtain a foreclosure, and the bank selling the property required a renovation mortgage. I contacted XXXX XXXX in XXXX to obtain one and the contract was signed in XXXX. The mortgage company explained that renovations are identified and the cost of repairs is determined and included in the amount of the loan. I obtained a contractor, which is a requirement, who provided an estimate and then worked with the loan officer to create a bid to identify the dollar figure of the repairs. At first that was sufficient, then they said I needed a HUD consultant, even though HUD said I didn't because of the amount of the bid was {$23000.00} and they don't require one if it's not over {$35000.00}. The mortgage company insisted, so I agreed but as time went on, the HUD consultant that they hired did not respond to any communication so after I expressed my concern a number of times, the consultant was removed. When I asked how I could get to the bid money to pay the contractor, they said " Don't worry you won't have a problem getting to your money. '' Through my own investigation, I found I was entitled to XXXX XXXX of the materials to begin the project and when I brought it up to the company they said " Oh yeah, that's right '' in an unsure fashion. We finally closed on XX/XX/2022, and the town where the house resides requires me to apply for a certificate of occupancy within 30 days of closing or I would be fined. I began to pay for some of the repairs assuming I would be reimbursed as soon as a particular repair was complete. I approached the mortgage company, identified as and signed by the lender on the XXXX XXXX Renovation Loan Agreement, to submit for a partial payout for services completed, and they said I could not have access to those funds until they successfully sold the loan to an investor. They never indicated that during any discussion or correspondence and they now put me in a tough financial position. The  XXXX XXXX agreement says that they are the lender of record right now. I tried to discuss this with them, then it turned out they provided 2 incorrect documents at closing that prevented them from selling the loan. They even sent me one of the documents incorrect for a second time. This was all delaying my access to the money I'm expected to start paying back on XX/XX/2022. I told them if they didn't get this straightened out quickly I was going to file complaints with all of the associated agencies ( HUDXXXX XXXX XXXX and CFPB ). It's been over a week and they will not respond to any attempt I make to communicate with them. In the meantime I am using personal funds to make my deadline with the township.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-11
Company: CITIBANK, N.A.
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 submitted a dispute with XXXX this month XX/XX/2022. My payments were not late and I do not have a past due amount. Home Depot did not report accurately to XXXX and cause my credit score to drop.

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 2022-01-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When purchasing this car from XXXX XXXX XXXX, And financed through Mazda Financial Services, they did not disclosed to me the TILA, FDCPA, XXXX, Or any federal laws that protects consumers. After reading the laws, upon my findings, my finance charge on my contract is incorrect. My finance charge is not listed as the " sum of all charges '' according to 15 U.S. Code 1605. I also was not disclosed the right to rescind my contract according to 12 CFR 226.15. I would like to rescind my contract based on the errors, and unlawful findings of my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had decided I wanted to get a copy of my credit report and find out my credit score. On XX/XX/XXXX, I went first to consumer.ftc.gov, and that website transferred me to the annualcreditreport.com website. That website asked me where I wanted to get my credit scores from. I clicked on Transunion and was transferred to the transunion.com website. There I was asked again where I wanted to get my credit scores from. This time I clicked on all three credit reporting agencies. At that time, I did not know that, while credit " reports '' are free, credit " scores '' are not free. After Transunion showed me my Transunion credit score, I logged off. I figured I would receive notification of my credit scores from the other two credit reporting agencies by email later. What I was not expecting was a notification from my credit card company that Transunion had billed me {$29.00} and {$19.00}. I called Transunion ( XXXX ) on XX/XX/XXXX to find out what these charges were for. The Transunion representative informed me that obtaining credit scores from all three reporting agencies cost {$29.00}. I don't recall seeing that on the website, but at least I got something for what I paid. But when I asked what the {$19.00} charge was for, the Transunion representative told me it was for one-year of a credit monitoring service. I said I was not aware that I had purchased that credit monitoring service, and that I did not want it. I asked to cancel the credit monitoring service now. The Transunion representative told me that they could cancel the automatic renewal of the credit monitoring service at the end of the year. I said, " No, '' I do not want the service, I want the service to be canceled now, and I want the {$19.00} charge to be reimbursed. The Transunion representative just repeated that they would cancel the renewal, but that they would not cancel the first year 's service. For this reason, I am filing this complaint : Transunion will not let me cancel an order for a credit monitoring service that I did not know I had ordered, that I do not want, and that has not yet been performed.

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 2020-07-23
Company: Experian Information Solutions 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:
I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # 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 explanation
Consumer complaint received 2022-03-30
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I was on the phone trying to set up things with my new XXXX XXXX. I thought I had called XXXX  support. there was a fradulent pay pal charge for XXXX to XXXX XXXX.I noticed the charge right away when it was pending. I notified XXXX XXXX  and they would not let the transaction go through since I disputed it.I had other issues and the bank said my account was compromised. I had to close all of my XXXX  accounts and had to get a new XXXX XXXX XXXX XXXX credit card. 
I had spoken to someone at pay pal and they said I do not need to pay it. On my pay pal account it still says i owe the money. i dol not believe it is on my credit report. i would like this resolved so i can continue to use my pay pal account. my pay pal account had my old address but i have since fixed it. 
please take care of this fradulent transaction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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.

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 2023-08-23
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 

2. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-12-14
Company: Avant Holding Company, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While checking my credit report, it showed I had 2 new accounts, which I knew wasn't true. I looked at what was new, and 1 was correct, but I also seen the another new one was opened, that I did not open or request. XXXX / XXXX is what is showing for the company name. It was opened on XX/XX/2022, account is a credit card, with a {$1000.00} limit. Highest balance shown is {$39.00}. Another thing I noticed, when I looked at my personal information, it is showing a previous address for me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is also showing that address was reported on the same date the card was opened, XX/XX/2022. I have never lived in XXXX. This is apparently where you need to look for who opened the account. This person needs put in jail for identity theft. I did not open the XXXX / XXXX card, and it needs to be closed and removed from my credit report!! I tried calling the company and refused to give too much information, bc there's no reason why they need my birthday and social security number. I know nothing of this company, and they don't need more of my information than what they already fraudulently received. I asked them to close the acct. They refused to help me without me giving them my information, they told me if I don't tell them that's my problem and they hung up on me. Very odd. Non English speaking, very hard to understand. Not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: NV
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 would like to review an account on my report that has been paid off but is not reflecting on credit report. 

Acct : XXXX XXXX  XXXX : {$170.00} I have paid off balance in full

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
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 keep sending numerous sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair or delete the late payment from this account : 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 explanation