BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit 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 2023-01-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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:
CFPB. These Credit Reporting Companies have issues being accurate. XXXX asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, XXXX, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so XXXX. You all are wrong for reporting this. Just resolve the issue and keep it moving.

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 2023-03-23
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'm writing to express my disagreement with the existence of several entries on my credit report that I consider to be fake. Although I've challenged these issues in the past, my credit report still has them. In compliance with Fair Credit Reporting Act ( FCRA ) Section 605b, I demand that these items be deleted right away. You are aware that under the terms of FCRA Section 605b, any information that is untrue, incomplete, or impossible to verify must be promptly deleted from a person 's credit file. The items in question are fake and do not accurately reflect my credit history, so I think they fit under this category. I ask that you take away the following things : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. I have contacted the creditors and filed police complaints, among other actions, to dispute these matters with the appropriate persons. But despite my best attempts, these things are still listed on my credit record. I ask that you look into this issue more thoroughly and delete these false entries from my credit report as soon as you can.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 2023-02-26
Company: CarMax, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The company gave me a car note amount and came back with a different company with a larger car note amount after we agreed on which company would lend the loan. The company gave the loan paperwork to sign on the computer for XXXX. XXXX is the loan holder for the loan signed. Carmax is not the loan holder but has reported on my credit at a charge off for a car that was loaned from XXXX. I signed a pay off with another company to get the car loan removed from my name and Carmax stated the car is still under XXXX and can not be paid off because it registered to XXXX. A loan pay off expired after I went to a title company and the company would not release the registration information because the paperwork is fraudulent. I never received any contact from XXXX after signing the loan paperwork for them to be the lien holder. I have the paperwork that I signed with Carmax as XXXX as the lean holder. However, Carmax is the company reporting on my report. I do not owe Carmax. This company also sold me a car the year before and within two days the computer electric system began to stall and freeze inside a XXXX XXXX. Carmax also collected {$500.00} downpayment which is also fraudulent and against the law to accept down payments on cars. Carmax need to remove the account from credit report in its entirety or be sued. I have reached out to Carmax several times about the lemon selling cars and fraudulent paperwork. The only response received is that XXXX will not respond or remove XXXX will not remove their name as the lien holder. Car was returned for complaints and rechecked by XXXX XXXX  and returned with the same problems and no mechanical issues were fixed although the car has a warranty for 90 days or 400 miles and the car was driven for seven days before returned for further inspection with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple problems with Mr. Cooper failing to make timely payments from my escrow account. I have alerted them to this problem several times, with no improvement in service. 

I refinanced the mortgage on my primary residence with a closing date of XX/XX/XXXX, and the loan was transferred to Mr. Cooper. 

My local property tax is due annually in two installments, the first on XX/XX/XXXX and the second on XX/XX/XXXX. The first payment for XXXX was made as part of the closing settlement, and also as part of the settlement I established an escrow account which included funds to cover the second tax payment for XXXX. I expected the mortgage company Mr. Cooper to make the second payment from the escrow account, which they failed to do. The late tax payment is now due on XX/XX/XXXX, with an additional interest assessment of XXXX. I called Mr. Cooper to alert them to the problem on XX/XX/XXXX, and they have not yet made the payment as of XX/XX/XXXX. On XX/XX/XXXX I called them again and they informed me that they will make the payment tomorrow ( on XX/XX/XXXX XXXX, so it will not be received timely and will likely incur additional fees and interest. 

This missed tax payment will affect my XXXX federal and state tax liability, as it will decrease my itemized deductions for tax year XXXX. This will impose a financial hardship on me due to their error in processing the escrow payments. I have not yet determined the amount of this hardship. 

Mr. Cooper was also late in making the payment on my homeowners insurance, which resulted in the insurance company sending a cancellation notice for the policy. The Mr Cooper website shows that the payment, which was due on XX/XX/XXXX, was made by Mr. Cooper on XX/XX/XXXX, but it was not received by my insurance company until XX/XX/XXXX. This is unacceptable and puts me in danger of having the policy cancelled. I understand that there is a grace period for the payment ( until XX/XX/XXXX I believe ), but the untimely payment used up of most of that grace period and I would not have had adequate time and opportunity to secure another policy to protect my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Credit Bureau Services Inc.
State: IL
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, CREDIT BUREAU SERVICES has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 
I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
every day I have overdrafts, ( especially when the weekend ends ). if my account is overdrawn and I am aware of it, I transfer money myself to cover the overdraft as soon as I know it, but still overdrafts appear and they do not give me information about what they are ( sorry if it's a bit misspelled ) Thank you.

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 2018-10-31
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest.

Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, I purchased a XXXX XXXX vehicle at XXXX XXXX XXXX XXXX in XXXX, Florida. I made a down payment of {$4000.00} in cash and financed {$14000.00} at 21.99 % interest though Lobel Financial. I was provided a phone number to make payments and never received a copy of the contract or any monthly statements for my loan. I made over {$15000.00} in payments and wanted to understand the payoff amount. When I called Lobel Financial, they told me that the contract was only in the name of my mother so they would not speak with me. Eventually, I got a copy of the contract, and it does not even have my name on it, and it has a fictitious address for my mother. My mother was never present in person, by phone, by video, or any other means. She did not place any signature on the contract, and nor did I, although someone did forge a signature for her that looks nothing like her real signature. I have records of the $ XXXX in payments and proof that I was the person who bought the car and drove it off the lot in XX/XX/XXXX. Lobel Financial can not deny that the contract was with me and only me. 

Given the situation, I decided not to make some payments, and Lobel Financial repossessed the car. I asked them for a payoff amount, and they told me it was {$10000.00} on XX/XX/XXXX. I contacted them by letter and asked them to put in writing that they would transfer title to me if I paid off the loan. They have not responded. When I call them, they will not take my calls or the calls of my agent. I need a written agreement from them to transfer title to me upon the completion of payments, and they can not charge me interest while they are holding the car XXXX and not providing me information that I am legally entitled to. 

This was my first time buying a car. I was a recent immigrant and didn't understand the language or the laws. Lobel Financial took advantage of the situation and charged me an exorbitant interest rate and now refuses to let me finish payments so that I will get the title in my name. I am a legal immigrant with protected status and have a good paying job for which I need a car for transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
American Honda Finance ran two hard credit inquiries on my credit report after I requested them not to run it twice. I called American Honda Finance directly and I explained my request to their dealership, and I was assured that it would only be run once. Now, I have two hard inquiries ( XX/XX/XXXX and XX/XX/XXXX ) for the same purchase, same financing, and same institution. I have attempted to contact American Honda Finance to request that they remove one of the inquiries. The first time, their automated telephone system discontinued my call. The second time ( XX/XX/2023 at XXXX ), a customer service representative named XXXX hung up the line. I request they remove the hard inquiry of XX/XX/2023 or XX/XX/2023. 

To summarize : I specifically called Honda Financial on XX/XX/2023 and asked them not to run my credit report. I told them that they had already ran my report and that I was pre-approved. I specifically asked about the loan approval process. I was told that I was already pre-approved and that I only needed to take my approval certificate to the dealership ( see attachments ). I specifically asked the Honda Dealership not to run my credit report. They said that I needed to complete an application in order to connect my purchase to the Pre-approval certificate. I was assured that it was not going to do a hard inquiry ( see attachments ). I asked the Honda Dealership, and I also called Honda Financial. They both assured me that I was already approved and my credit report would not be impacted by two inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022, my car was broken into and my wallet was stolen from my car. My debit card was then used at a gas station for {$400.00} and {$420.00} charges. Wells Fargo Bank notified me of potentially fraudulent charges on my card and cancelled the {$420.00} charge. I followed up with the bank after realizing my things were stolen and informed them the {$400.00} charge was not made by me and was fraudulent and I would like to be refunded the amount. About two weeks later, I received a letter in the mail stating that they found the charges were not fraudulent and they would not be refunding me the {$400.00}. I called the number included with the letter and asked how they came to this conclusion. They stated that because my police report was filed after the event and the chip of the card was used in the transaction they could not determine I didn't make the charges. It was as if they had forgotten fraud can still happen in person and not only online. I asked to reopen the investigation but was informed it was at their discretion and they did not reopen it.

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