BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FCRA XXXX ACCT INQUIRIES HAVE VIOLATED MY RIGHTS NUMBERS 1-12 15 USC 1681 SECTION 602A -I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A - STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTION 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX XXXX XXXX 5. TRANSUNION XXXX XXXX XXXX 6. XXXX XXXX TRANSUNION XXXX XXXX 7. US DEPT OF HOUSING XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Account information incorrect

Complaint:
Experian has account XXXX # XXXX on my credit report with multiple violations of the Fair credit reporting act. I have sent several certified letters and this account has not been removed for the inaccuracies. 1 ) There is activity listed after Charged off date 2 ) The highest balance listed is 0 which is lower than the original balance of {$24000.00} and balance owed of {$11000.00} and the charged-off balance of {$11000.00}. 3 ) it is also showing status updated XX/XX/XXXX when I have done several disputes after XX/XX/XXXX so how could an investigation have been verified. 4 ) Also has on record until XX/XX/XXXX. 5 ) Has 180 day late payment history without prior XXXX or 120 day late payment history and 6 ) no notice of 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 explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-07-05
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX with Davidson & Associates located in XXXX VA is calling me non stop claiming i owe a payday loan WHICH I HAVE NEVER EVER HAD. She is threatening me claiming im going to prison, We will be outside your house waiting, etc. They dont scare me and when i asked for their physical address she claimed " she can't give me that for their protection. '' This company is a FRAUD and i want my information discarded asap. They have my ss number too. 


XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I only made 2 transfers beginning with XX/XX/XXXX. I transferred exactly XXXX over to my checking which then the balance was XXXX. 
My savings was XXXX and sum even number like XXXX. Exactly When I went to make the XXXX transfer which was today for XXXX to pay my bills they told me my savings balance was XXXX even after 3 people admitted something was wrong they then transferred me from Fraud to Comprimisr who then lied and tried to keep it stolen by lieing even further after the previous three admitted to there being a problem with the missing funds that just somehow went unaccounted for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: FISERV INC.
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The Money Network Cardholder Services ( EIP ) bank that handles the stimulus payment debit cards will not provide a customer service person to speak with. After my first call when I inquired the balance of the card, I cant reach anyone in customer service by phone at the number they have provided,XXXX. No prompt is made available to connect with a person at this faceless institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: GA
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 opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

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 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: ZWICKER & ASSOCIATES
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Zwicker & Associates continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent Zwicker & Associates contact me throughout the day, threatening additional legal action. Unbeknown to me, Zwicker & Associates sent a summons to a Michigan address for which I did not reside. At the time, I was living in California and was not aware of any legal proceeding by Zwicker & Associates. As of XX/XX/2022, I offered to settle with Zwicker & Associates at {$570.00} per month for 12-months. Zwicker & Associates declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by Zwicker & Associates. 1. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to Michigan, while I was living in California. 2. Threatened and suggested my credit would be damaged. 3. Attempted to seize my property, personal bank account, demanding my debit card information. 4. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous Zwicker & Associates personnel. 5. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. 6. Contacted me after requesting them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought this car with a totally unfair interest rate of XXXX XXXX. I didnt have SSN yet and because of it, not credit score yet.

Ive been paying my car every month for XXXX years on time and every time i pay through Lobel Financial website, I need to pay {$5.00} service fee on top of the monthly payment. 
Because of Covid I lost my job and I was late XXXX payments and talked to them yesterday XX/XX/22 because I couldnt pay through the website. The agent said surprisingly Do you still have the car? I said, yes, of course and then he said I had to pay {$970.00}. I got the money to pay today XX/XX/22 because it was after business hours but at XXXX am, a towing company called me for XXXX times while I was sleeping to come downstairs to get my personal belongings because they are repossessed my car. Its just an unfair and rude people from this company, they treat you like garbage even if you are not in this situation. Thats the first time this happened to me and even before when you called to need anything, they are rude and cynical to you and treat you like garbage. 
Another thing happened, few months ago they increase my monthly payment saying that I didnt have proof of insurance. So I paid, sent the proof of insurance and for another month, they didnt return my monthly payment to the original amount. 
Very disappointed with Lobel Financial and its employees. Whoever read this, NEVER do business with this company, they are disrespectful, dont have any empathy and have predatory business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I originally disputed this collections from Enhanced Recovery and they were removed. I disputed the addresses, my name, my social security number and the dates. Enhanced Recovery removed them then put them back. Then they sent me a paper that they removed them but wanted additional information but also said it was not necessary and it wasn't an attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Fig Tech Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Back in XXXX of 2021, Fig loans dispersed a loan in the amout of {$400.00}. I get an email stating my account numbers for paying said loan were incorrect. I informed them at that time that I didnt take out the loan, and thats why the numbers were incorrect, and obviously it was fraud. After many many threatening emails from them, they are still refusing to remove this from my credit report, and saying I still owe them. I provided them with proof that I never took the loan out, but they refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
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 XXXX XXXX account on my XXXX and Experian account is reporting a balance on my account as of XX/XX/XXXX. This account was transferred to XXXX XXXX XXXX In XX/XX/XXXX, I paid a settlement on this account with the collection agency. This account is not showing as settled and a balance is still being reported was being reported as of XX/XX/XXXX. I have disputed this account several times and Experian and XXXX and instead of reporting the account correctly both credit bureuas have removed the payment information as Unknown on my account.

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 2020-12-20
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving calls on a daily/multiple times a day basis since XX/XX/XXXX. The number that's calling me is XXXX. 
Call log - all times are central XX/XX/XXXX, XXXX XXXX  XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are recorded, and in Spanish. The only way I found out the nature of the calls was a reverse lookup using an internet search.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has a Bankruptcy listed on my credit report that is inaccurate. 1 ) The file Number is incorrect 2 ) Incorrect Name of the court which is governed by law.3 ) Dispute was verified in several hours which is impossible and the inaccurate information is factual and can be seen on the Experian report.4 ) Not consistent with the other 2 credit bureaus.

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 2021-02-16
Company: Southwest Business Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is in reference to swbc loan # XXXX. 
I was approved for a 6 month forbearance plan under the CARES act XX/XX/20. At that time I was also insured that this was not to have any record whatsoever on my credit report under the condition that I resume paying my mortgage when the forbearance plan ended as per conversations with executive resolution specialist XXXX XXXX with our last contact XX/XX/20. I have been making timely payments since the plan ended yet discovered that swbc placed record of this on my credit reports which has negatively impacted my personal credit rating. If I was not promised that this would not be the case I would not have enrolled in the forbearance plan since I work hard to maintain impeccable credit and do not appreciate the frivolous this company has done this despite stating they would do otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: The Savings Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit was pulled by a company called Rate Genius and a loan was attempted through a bank called XXXX XXXX XXXX. This was done on XX/XX/2022, by someone not authorized by me to do this. I have received another text today from someone named XXXX XXXX, claiming to be my loan officer. I texted back to never text me again and to never pull my credit ever. I then blocked the number and deleted my profile from XXXX XXXX. The text mentioned that XXXX XXXX was where the loan request originated. I have no knowledge of any of how any of these companies received a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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:
My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help

Company response to consumer: Closed with explanation