BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: Opportunity Financial, LLC
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received loan during XXXX epidemic. I didn't know the interest rates was enormously high to the point it keeps you in debt I also didn't know they were involved in lawsuits and had such bad reviews. None of your payments go towards your loan at all. And I had gotten XXXX  and was out of work for XXXX  Months and I told them this as well. They are a predatory and scamming company who should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A child support case was unlawfully opened In XX/XX/2010 No due process was given I went to department of social health and services and requested the summons and complaint, proof of injury in fact, proof of service, default and the judgment paper. I was only given proof of service. Which the address stated on the paper was not the current living address for me. And A copy of Certification Of XXXX XXXX. 

I also went down to my XXXX XXXX clerks office to request the judgment paper and was told there was never a case opened against me, which again makes it unlawful according to 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 non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Billing dispute for services

Complaint:
This is what the bureaus are doing as a result of the XXXX breach. Affected XXXX   customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my XXXX report and my score and accounts were as expected. XXXX   includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the XXXX breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for XXXX 's additional monitoring. I still am.

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 2018-12-27
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They allege I owe them debt that they relieved me of. They said and wrote to me that I would owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Westlake Services, LLC
State: GA
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:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWestlake Financial 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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX , XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Dispite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and complied ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. 

XXXX XXXX  Cap One NA Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
on XX/XX/2022 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 im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress  you caused me. My information was also impacted by the XXXX XXXX XXXX and may gotten into the 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past week since XX/XX/XXXX I repeatedly called MOHELA requesting why my payment amount when from ~ {$500.00} to XXXX per month. I am currently on an income based repayment plan and was automatically switched to SAVE from REPAYE. After this switch the payment amount changed. Multiple people at MOHELA have said it is a glitch without giving any actual information as to why this happened and how it can rectified. The SAVE program if anything should have a lower payment than REPAYE not a 3x higher payment. They kept asking me for my income information over the phone and I refused because I am not scheduled to give my new income recertification until XX/XX/XXXX and I DO NOT want to recertify until I have to. They will not or can not even tell me what information the new payment amount was calculated using. This glitch they keep referring to is given no good explanation or timeline as to when it will be fixed. They said they would submit an IDR request to have the payment switched back to what it was with REPAYE but that should technically not be possible given it does not exist anymore so I am not sure what they are doing. Regardless they have been entirely unhelpful and almost purposely deceitful trying to get my to do a recertification many months before I am scheduled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I lost {$5000.00} dollars to a scammer who said she was stockbroker and will invest my money in bitcoins and I will make profit but it turned out to be scam. My bank isnt helping me either. My financial institution is Bank of America. I want my money back.

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 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was hospitalized in XX/XX/XXXX causing my to lose income for over a month. I received an email from Capital One saying I could defer 2 payments to the end of my loan. When I called to do this, I was told that I was not able to, and because I can not pay by checks that I could not get on a payment arrangement. I then filed a complaint with CFPB and waited for information from XXXX at Capital one, meanwhile while waiting for someone to help me, I was reported to credit reports and given an answer that didn't make any sense. I was told that I deferred a payment XXXX XXXX, and that I can pay by debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion is reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. 
I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I demand that you take action to correct your errors. I request that you provide me with written documentation of how and what means you used to verify these payments. 
Under the terms of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am exercising my rights and formally request that you provide a COMPLETE amended copy of my credit report when your investigation is completed for my records showing that these late payments have been removed. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any and all obligations of your reporting bar none. 

Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Late Payment Date : XX/XX/XXXX Late Payment Date I was not a total of 30 days late from the due date in XXXX. 
Please correct the payment status for account****XXXX to report ON-TIME and/or CURRENT payment in XXXX. 
If not physically irrefutable you are not authorized to retain or report these allegations so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-02-23
Company: Stilt Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with Stilt on XX/XX/2022. They waited until XX/XX/XXXX to approve my promissory not which I signed at XXXX Eastern time. The company waited until XXXX pm pacific time to disberse the funds. I have not received the funds and still may not receive the funds until XX/XX/XXXX but they are charging me interest as of XX/XX/XXXX when I should have receive the funds. By the companys own admission they only

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, XXXX XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX XXXX CA ) to XXXX, Experian and XXXX. I did receive a response on XX/XX/XXXX stating that the account was deleted. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX XXXX CA ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.

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 2021-02-04
Company: Experian Information Solutions 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 information incorrect

Complaint:
experian repeatedly reports incorrect information regarding my credit, i have report XXXX ( XXXX master ) is listed 3 times on my report, the company generated a replacement card ( i did not ), i called about a retailers refund and was asked had i received i said no they sent another and another, none of these cards were ever used so they sent and i received a card that i have now which is open and has a XXXX  limit and XXXX  balance the same as when they replaced the first card, i have only one acct with XXXX ) so pls correct this and it is open with a XXXX  limit and XXXX  balance XXXX loan was transferred, paid and full and closed due to refinance with XXXX XXXX  XXXX i have only one mortgage and it is with XXXX  ( pls correct )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Hillcrest Davidson & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with Hillcrest Davidson ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called XXXX XXXX, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years XXXX XXXX kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of XXXX XXXX but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX  who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is XXXX XXXX, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.

Company response to consumer: Closed with explanation