BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX - I would like to be provided proof I consented to this inquiry via FCRA section 609 and  605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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 2020-09-16
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX  of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: FL
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 - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2021-09-23
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I applied with my credit union Pentagon Federal Credit Union to get pre-approved for an auto loan for {$60000.00} on XX/XX/XXXX. I ended up not purchasing the vehicle and never signed a vehicle contract or take delivery of any vehicle. I went to my XXXX XXXXnline account this evening and noticed that there is an auto loan reporting for {$60000.00} on my credit report. I do not own this vehicle nor did I ever sign a contract for this vehicle.

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 2021-08-05
Company: Affirm Holdings, Inc
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A purchase was made using my SSN for a pair of XXXX shoes and some sort of line of credit or loan was taken out with Affirm loans, for {$780.00} in XX/XX/XXXX. I received the goods and sent them back to the company on XX/XX/XXXX and provided a return receipt to Affirm. I've confirmed with them this loan was not mine. The date of birth on file and phone number and name I use was different than the application completed. After becoming aware of the dispute, Affirm sold the debt to XXXX XXXX XXXX, which is a violation of the FCRA and FDCPA regulations. I sent a complete fraud packet to both companies including a police report, proof of my ID, and an ID Theft Affidavit for them to investigate. 

As of XX/XX/XXXX, XXXX XXXX has advised that this debt was validated by Affirm. I was not told based on what information they are deeming this valid and the goods have been returned. I would like this debt removed from my credit report as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received an email stating that my case with Consumer Financial Protection Bureau was closed AmeriHome is claiming that I failed to respond to a request for an affidavit. That is an untrue statement I have proof of my receipt that the package was dropped off at XXXX XXXX on XX/XX/2021, and a XXXX  XXXX confirmation that it was received. I have left a message and faxed the proof of my affidavit being received by AmeriHome to the Customer service Manager that made a false statement. This Mortgage company doesn't have anyone with actual knowledge of my case. Every time I call customer services the representative doesn't have any information and tells me to call back within 24-48 hours so that they can get email respond and in return have a response for me. It is impossible to resolve an issue of the magnitude with them without speaking with a person that has information and responses for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My number is in an auto-dialer for XXXX XXXX XXXX. I have called to resolve and unable to. They are telling me I do not have a loan with them, which is accurate. However, for the last many weeks I am getting nearly daily calls from an auto-dialer.

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 2020-07-22
Company: American Credit Acceptance, LLC
State: NE
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:
The credit bureau is reporting an old closed account that is over 7 years old. The creditor that is reporting this outdated closed account on my credit bureau is American Credit Acce. I have disputed this item several times with the credit bureau and the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15 for my COMMENITY Capital Bank/XXXX XXXX account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX. 
My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker. 
The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high. 
the manger I spoke to XXXX, stated that the amount is correct and that is what I owe. 
He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time. 
I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers. 
I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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:
In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the law?

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On approximately XX/XX/21 I opened a United chase credit card. 
The card was in good use and paid on time suddenly chase closed credit card without any notification or explanation. Later I was told it was my ex husband someone I lethally divorced 15 years ago had a bad relationship with chase. That is why they closed my account. Chase has black listed me with my credit report and denying me to open a bank account at there branch or obtain any credit cards. I am asking for an investigation to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ive been dealing with the company to take the joint buyer of the loan so that we could purchase a home. I was told yes but to wait a few more weeks. Then I was told sorry we cant approve you anymore after 39 days the waited to tell me that now I cant take him off the loan when initially was a Yes.. 
Then I call to get a settlement so that I could try to pay it off, I was given excuses after excuses.. For two weeks I was told it was in process.. I FINALLY SPEAK TO THE DISTRIC MANAGER just told tell me she couldnt give me a settlement because I can afford my bills And Im not in a financial situation.. I explained the situation SHE CARED LESS.. basically told me to pay my bills so that I can get approval for the loan to take my husband off the loan.. I FELT DISCRIMINATED SHE WAS HATEFUL TO ME Ive had many loans with them and never felt mistreated like she did. I told her I will file a complaint she said TO DO SO she was going doing her job. She gave me {$100.00} off the loan.. wouldnt retroactive the pay off to the day I called to get my pay off or settlement that she refused to give me. Im very disappointed with this company and they had emotionally hurt me, they hurt our approval bc of their diligence on not telling us the truth since the beginning. 
Something needs to get done ASAP!! I paid off my loan but I still think I need a reimbursement for all This hustle I went through emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company appeared on my credit XX/2017 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2019, I went to Capital one Bank Branch to set up automatic payments for both of my credit cards. so I wouldn't have to worry about calling to make payments. The representative told me that I was already all set for automatic payments, I gave them the credit card and the checking account information and the due dates for both credit cards which is the same day for both credit cards, but She didn't do it correctly. I thought the credit cards payment were debited from my Checking account. But in XX/XX/2019 my son taught me how to get into the capital one bank app and he noticed that my payments were not debited from my checking account. As a result Capital one charged me late fee for several months and Capital one Bank put my account as delinquent for both credit cards. the months that my both credit cards were compromised were ( XXXX, XXXX, XXXX, XXXX and XXXX in 2019 ). I went to the branch to speak to manager and they told me there is nothing I can do. I expressed that is been a mistake by their associate. but they didn't want to help. Since I was denied several times and my lack of knowledge. I couldn't do anything and didn't know until now that it was affect really bad to my credit. Now I'm applying for a mortgage and the interest rates are high due to the delinquent accounts that capital one reported. I would like to request support with this matter because it is affecting to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
LONG STORY SHORT one main financial allowed ME TO BELIEVE I WAS GETTING A AUTO LOAN WHEN IN REALITY IT WAS A UN-SECURED LOAN AT A INTEREST RATE THAT IS SO UNFAIR, IT WOULD BE CONSIDERED ECXTORTION. THEY BREACHED MY CONTRACT THEY GAVE LEGAL ADVISE TO THE LENDER AND TRYING TO CHANGE MY CONTRACT TO SOMETHING SO OBSERED IT DOESN'T MAKE SENSE. THIS LENDIND COMPANY SHOULD BE INVESTIGATED FOR THIER COMPLETE LYING AND STEALING FROM CUSTOMERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
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:
On XX/XX/2016 I revcieve and Inquires that I did not authorized.

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 2020-09-16
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: Investigation took more than 30 days

Complaint:
I contacted Experian by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. I submitted this request on XXXX and it was received by them XXXX. It has been over 30 days and I haven't received any updates and the disputed information still remains in my credit file. The first company listed on my dispute letter was XXXX XXXX XXXX XXXX, which was deleted. The second company is XXXX XXXX XXXX which is listed on my report twice in which Experian has not provided any contract between myself and XXXX XXXX XXXX as requested. The third company is XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX as requested. The fourth company is XXXX XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX XXXX as requested. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information in my file.

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 2018-09-04
Company: Convergent Resources, 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: Account status incorrect

Complaint:
XXXX XXXX was deleting and still reporting as it was deleted as i did not own the account. 
XXXX XXXX XXXX was deleted but still reporting. 

XXXX XXXX is reporting twice as XXXX and should only be one charge of 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 2018-09-04
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With my consent Home Depot opened another credit card in my name as I was making a purchase. I did not realize the material was charged to this new account, and missed seeing the bill. I was a week late for the {$15.00} charge. I was charged a late fee equal to my original charge, plus {$2.00} interest. I did not make time to dispute this late charge, and realizing I was late went to Home Depot to pay the bill, but Home Depot 's system only allowed me to pay {$15.00}, so I incurred another late fee. I attempted to resolve this with the bank ( Citi Bank ) and they refused my request to waive the original {$15.00} charge or to make it reasonable ( for example {$3.00} ). As it stands I have incurred {$6.00} extra charges for which they were willing only to waive {$2.00}.

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