BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
Just having problems getting my account re-opened with my same credit line Im a XXXX veteran still making payments on the account would like to have my account re-opened I was a victim of identity theft and my account somehow was closed and I would like to get my new cards sent out and my credit cards established

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Good Afternoon, I have been trying to purchase a home since XXXX, XXXX through a financial institution in XXXX XXXX. I submitted a credit authorization form to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX  signed on XX/XX/XXXX. XXXX XXXX XXXX  ran my credit on XX/XX/XXXX. The credit authorization letter was valid for 90 days. XXXX XXXX XXXX  ran my credit again without my authorization on XX/XX/XXXX. I spoke with the president of the company XXXX XXXX and I questioned about the hard credit inquiry and the only explanation he gave me was that the they had to run it again because the other inquiry had expired. I told that I did not authorize the credit check and that they should of had asked me first before running a credit check. He said, that they wouldn't run it again. Well, today we are still in the approval process of the mortgage since XXXX and today they ran my credit again without my authorization. I would like to report this company for not complying and running credit checks with prior authorizations. When I spoke with Mr. XXXX in XXXX I was very clear with him about not running my credit again and still XXXX XXXX XXXX ran it again. Is not my fault that they are taking these long to give me an answer whether if the loan is approved or not. Everytime they run my credit it affects my credit score.

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 2020-05-26
Company: WELLS FARGO & COMPANY
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:
I've made numerous attempts to reach out to XXXX regarding the inaccurate information it continues to report to my credit file. XXXX special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX So XXXX doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.

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 2021-02-24
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020, my husband and I contacted Prestige Financial Services to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of XX/XX/XXXX as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our Prestige Account. Again, we called Prestige and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to Prestige requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that Prestige is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old Prestige that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. Prestige acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: GAMACHE & MYERS, PC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company obtained a judgement against me for a credit card debt that is more than 5 years old, they are now attempting to renew the judgment against me. I never received a summons to appear in front of a judge. The original credit card was for less than {$400.00} dollars and they are attempting to gain a garnishment against me for over {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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: Their investigation did not fix an error on your report

Complaint:
Transunion is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be 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 2023-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was granted from XXXX XXXX  a removal of a 30 day late from my credit report. The letter of approval for this action is XX/XX/. It has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION 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 2018-04-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING

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 2020-05-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I normally maintain a credit balance on my AA Citi Card ending in XXXX as I, prior to COVID-19 travel quite a bit as a guest speaker at financial conferences and can not always be assured of making specific payments. As a result, the card is set up for {$7200.00} per month to be sent from my bank to your bank for payment on the credit card. I was carrying a credit balance of {$2800.00} on XX/XX/XXXX and this credit was reversed, with a debit on XX/XX/XXXX with the reason given credit refund as requested. Several issues present themselves here. First, I did not request a credit refund. Second in over 22 years with Citi as a credit card customer Citi never did this on my account. When I signed on to chat XXXX responded and informed me that a check was being issued but it was being held because of a dispute with a merchant. The amounts in dispute, there are two of them, total {$120.00} and I will not belabor the lack of logic in the discrepancy of the amount held vs. the dispute nor the fact that this has never been the policy. XXXX continued to state that this was normal policy and I know it is not, at least not on my account for over 22 years. I believe that the funds have been misappropriated and that Citi is unable to provide a reason for either the difference or why, suddenly, the decision to remove a credit and cover it up by telling me it was as requested. I asked to speak with a supervisor but was advised to wait until one was available. I had simply asked for an email from a supervisor stating the policy and assuring me the check would in fact be processed. No supervisor was available.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A few months ago I received a strange call regarding my credit and placed a credit freeze on all 3 credit bureaus. 

My wife and I are currently looking to buy a house and are applying for a mortgage. When I went to remove the freeze I had no problem with XXXX or XXXX but Experian said my request could only be processed by sending them a physical request in the mail. As I mentioned previously, I am in the process of purchasing a house so this was time sensitive and I overnighted the request with the proper documentation on XX/XX/2020. 

I have confirmation that the delivery was completed a week ago, on XX/XX/2020. I have received no correspondence in return from them. I have tried to contact them multiple times between now and then and have found it impossible to get a human on the phone. I have gotten stuck going in circles with their automated services giving me the same run around as online. Calling their corporate customer line I was able to talk to an operator. When I explained my issue the operator said she was going to connect me to " special services '' then hung up on 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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have opened the same dispute with transunion 3 times regarding late payment that is showing up on my credit report with XXXX XXXX. The first dispute was closed out with no change. They claimed to have talked with XXXX XXXX, but I have talked directly with XXXX XXXX over the phone multiple times and they have confirmed that my account is satisfactory and there are no late payments on record. XXXX XXXX has faxed proof of my satisfactory account twice and I have faxed the same proof of my satisfactory account as well to both XXXX and XXXX transunion fax numbers. It is always reported that documentation has not been received. They will not allow me to upload supporting documentation online until a dispute is closed. 

I was told by the transunion team that the credit card numbers paired to my account do not match the credit card numbers I have in my wallet. I was also told there is a high probability that the late payments being picked up are for a different XXXX XXXX. 

I have spent 5+ hours on the phone with transunion team members both off-shore and in the united states with no resolution. I am always re-routed to a different team and have  twice been re-routed to a department other than what was told to me, causing the chain of command for escalating the case to start again from the beginning. I have also been told I was being transferred, and then hung up on. 

I am trying to apply for an auto and home loan and my hard credit score is reporting nearly 50 points below what it should. 

Please file a formal complaint against TransUnion for the lack of care and frustration caused by this case. 

Thank you kindly, 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 2019-03-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been a customer with td for over 3 years and they are discriminating against my payee account. 

I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently. 

XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit. 

They discriminate due to my credit score with the three major reporting agencys.

also the three major agencys falsify documentation on amounts owed to recieve higher returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: eMoneyUSA Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time I have I've dealt with this company. I spoke with XXXX from Emoney USA and advised her that they are reporting me late on my XXXX credit report. They said they were going to fix it. but they have not. HOW!!! when I am paying on time and I have my receipts to show it. How can it say paid as agreed and they are showing me 60 days late this is killing my credit scores and they need to delete it I have included all the docs necessary to get this account deleted or the lates reverse? I make payments every month. I need help with this. They are violating my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I would like to file a complaint regarding the repayment of my students loans. 
1. The total amount due is incorrect 2. There are no deferment, forbearance, unemployment, or hardship options available for me.

3. Being harassed EVERYDAY with calls and emails about loans.

I am not attempting to avoid making payments however, I was not out of school 30 days before Navient began calling me! They have called every single day and emailed every single day and Ive communicated that I am looking for employment, living with a friend, and not able to make payments at this time. I have asked for deferments or forebears but to no avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I took an auto finance loan with Hyundai Motor Finance ( HMF ) in XXXX in an amount of about {$50000.00}. I have set an automatic payment with my bank to send payments with my account correctly referenced. The checks are received, posted to my account with HMF, cashed by HMF, and paid by my bank, but all three payments have been improperly processed. I have made all three payments due so far on time, and HMFs own records show that they were timely received. 

However, each month, HMF improperly applies the payments. Either by paying all to principal, or paying the following months payment but not the current months, suggesting there is a late payment. Each month, Ive called to speak with HMFs payment department, provided records to illustrate the issue, but my payments are still not being recognized correctly. HMF hasnt suggested theres any problem with receipt of my payment, method of payment, or otherwise. All issues are with its internal processing of the payments. As of XX/XX/20, HMF has updated provided info to the credit reporting agencies that my account is past due for the entire balance of the loan. This is not accurate. HMF has shown itself incapable of appropriately handling finance payments, even when the consumer has gone out of their way repeatedly, and proactively, to help them with their processing. I am currently disputing the entry on my credit but have no confidence HMF will be able to appropriately manage and process payments going forward.

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 2020-01-30
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX # XXXX and XXXX XXXX # XXXX are double reporting on my credit report. These accounts are not only in violation but are also settled in full and have been paid off already. There is no reason for these to still be on my credit and they need to be removed off of my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX placed unauthorized inquiry on credit file. Requested validation of authorization and signature multiple times.

Company response to consumer: Closed with explanation