BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EXPERIAN thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, portfolio, social security admin, I tried getting stuff off I get no answer, some stuff on here I was recovering from 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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewing my credit report on XXXX XXXX, and I noticed that my interest rate on my active auto loan was not reflecting my new rate of 6.8 % that I had as of last year. The loan still listed the interest rate at 12 %. Via XXXX XXXX, I submitting a dispute with Transunion on XX/XX/XXXX and Transunion completed the request on XX/XX/XXXX. My credit report went down because Transunion removed the auto loan completely. 

I reached out to TransUnion and was told that there was nothing that they could do to add the account back unless the creditor, XXXX, contacted them with the correct information. Apparently the removal was in response to what my credit union reported back to them. I was told by XXXX  XXXX XXXX XXXX ( XXXX  ) that they do not reach out to TransUnion unless they are responding to a dispute. " We only report to one bureau ''. It was stated that as long as XXXX has the correct information that I shouldn't care. I'm basically being told by both parties that they can not assist me in adding my active account back to 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 non-monetary relief
Consumer complaint received 2018-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have file fraud on my credit report agencies. I worked with XXXX and XXXX  and they have agreed with all information that the creditors and I provided and all false - fraudulent mark have been removed. XXXX is unwilling to remove final mark from XXXX XXXX XXXX XXXX for the amount of {$14.00}, XXXX. This fraudulent mark has been fault with the creditor and Equifax for over two years. XXXX XXXX XXXX XXXX reported to Equifax to remove debt and fraudulent remark from my credit which showed up on XXXX XXXX and I provided a screen shot to Equifax and they still refuse to remove the derogatory false remark. I am in the process to purchase a new home but because Equifax refuses to remove the fraudulent mark of the report I will not get the loan. I refuse to allow Equifax to hold me hostile by refusing to remove mark of report and need the CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: WLCC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
on XX/XX/2018 I sent an email to XXXX ( attached ) revoking my ACH authorization and asking them to cease and desist all phone calls to me or any number associated with my account. 

On XX/XX/2018 they sent me an email and a text message stating the payment they tried to take on XX/XX/2018 returned NSF. 

I forwarded them the email from XX/XX/2018 advising them again that I had revoked the ACH and sent a cease and desist letter. I advised them again they were not authorized to withdraw money via ACH from my account. 

Yesterday, XX/XX/2018 I received a text message stating they attempted another ACH withdraw from my account and it was returned. I also received a phone call collecting on the debt despite the cease and desist verbiage in my XX/XX/2018 email. 

I have sent several emails to them and even used the " contact us '' form on their website but they refuse to return my emails. 

They are in violation of several XXXX consumer laws and have caused me to be charged fees by them and my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27
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 belongs to someone else

Complaint:
I notified TransUnion about inquiries on my report that I didnt authorize and they said it was nothing they could do it would have to stay XXXX years.

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I am no longer an authorize user on XX/XX/XXXXXX/XX/XXXXXXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.

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 2018-10-18
Company: Siggi LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are two accounts on my credit report which were medical bills and I never received a statement for the credit agencys name is AR resources. I spoken to the original debtor and was told these were medical bills from 2014 at which time I had insurance and they failed to bill the insurance. XXXX  from Florida which the hospital had on file at time of service and the medical group did not. But I received no notice or phone call from either party. At this time they have tarnished my credit and I should not be penalized if they did not do their job in a timely fashion. I would like to have these items removed from the credit bureaus as soon as possible. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: BB&T CORPORATION
State: FL
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:
I did not authorized hard hits on my credit. I sent letters to all the companies and no reply and this was last year. XXXX is the only one that removed the inquiry

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 2017-09-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This company stores my sensitive data, hires a diversity hire as their Chief Information Security Office where her specialty is music composition, then they get hacked and rather than letting people know the execs sell their stocks. 

I use the equifaxsecurity2017.comXXXX to find if I was impacted and it says yes, and then they try to sell me a service to make a profit off of my visit to their website which is spurred by their incompetence in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
Received credit report and had some inquires on my account, I tried contacting the credit bureaus to resolve they explained that I contact the company which I did send them letters explaining I did not give authorization to access my my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
Santander USA failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between Santander USA and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed Santander USA. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and Santander USA reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The Toyota motor credit settlement administrator is discriminating against actual victims! I submitted my eligibility form to be included in the settlement and was told I do not meet the eligibility criteria. In order to be eligible for the settlement I or at least one co-buyer on the account, must be XXXX-American, XXXX, XXXX, XXXX XXXX, or other XXXX XXXX ; AND You must have purchased a vehicle between XX/XX/XXXX, and XX/XX/XXXX, that was financed by Toyota Motor Credit Corporation. 
I am a XXXX woman who financed my second vehicle through Toyota motor credit in XXXX of XXXX at a 21 % interest rate so Im totally confused as to how Im ineligible. Its so hard to believe this disgusting treatment is still going on in XXXX all because of the color of my skin. Please help me get some justice from Toyota Motor credit and or the tmcc settlement administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
unauthorized inquiries reported 1. The inquiry was not authorized XXXX   Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 2021-05-19
Company: PRIMARY RESIDENTIAL MORTGAGE
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my complaint regarding the unprofessional and rude behavior from Mr. XXXX XXXX. He treated himself as the boss, and was very unprofessional after seeing my offer from another lender. I have attached the email chain for your reference. 

XXXX XXXX Division President, ID, MT, WY, NV NMLS XXXX Primary Residential Mortgage NMLS ID XXXX XXXX XXXX XXXX XXXX XXXXy, XXXX XXXX XXXX ID, XXXX XXXX O XXXX C XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My XXXX XXXX and XXXX XXXX is still reporting data that past I past due on my credit report.The accounts are closed and past the statute of limitation.Information was submitted to XXXX XXXX to remove the information off my rercord.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: IN
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:
An Inquiry dated XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX that is older than the 2 years allowed by law. 
is still on my Experian credit report Contact info XXXX  XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2019-03-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX are incorrectly reporting me as an Authorized User on Chase Card - partial account # XXXX ( please see page 4 of the attached credit report. ) I called Chase 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 however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Massachusetts Educational Financing Authority
State: MA
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:
How are you? During this COVID-19 I been diligently reviewing my credit and I was shocked when I reviewed my credit report and found repetitive 30 days late, 60-90 days late remarks. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XX/XX/XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XX/XX/XXXX and in XX/XX/XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX to put my account on an autopay arrangement. This was never completed, I was never contacted by XXXX XXXX XXXX and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as XXXX with proof of my payment and my phone record showing my phone call to setup the autopay.

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