BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
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 sent Transunion numerous documents to show that information on my credit report is incorrect. They have put a freeze on my report and will not correct my information. They will not help me, and I've sent sensitive documents through the mail to them, to verify that the information they had was not correct Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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:
I contacted XXXX  about an unauthorized hard inquiry made on XX/XX/2022. XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX must contact the reporting credit bureau for removal.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: AL
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:
In XX/XX/XXXX, XXXX XXXX in XXXX, AL sent me a check in the mail in the amount of {$600.00}. If I agreed to the terms of the loan, I was to deposit the check into my bank account to activate the loan which is what I did since I was agreeable to the terms. I paid this loan in full which is reflected on my credit report as favorable. I find out much later that there is negative reporting on my credit reports from all three credit bureaus for an additional loan that I supposedly took out in XX/XX/XXXXXXXX  and never repaid it. They also reported that I took out the loan in XX/XX/XXXXXXXX  and that date of first delinquency was XX/XX/XXXX. I contacted them to let them know that this was not my loan and that I paid my loan in full. I have disputed this many times with no resolution. I even obtained a police report to attest to this fact but XXXX XXXX still refuses to remove it from my credit reports. I was told by the credit bureaus that I needed to file a complaint with this agency to have credit bureaus remove this from my credit reports once and for all which is why I am now filing this complaint.

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 2022-09-09
Company: Credit Karma, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Through my Credit Karma, I have received several emails stating I'm pre-approved for several Credit card offers with great approval odds & received a few lists of these companies. I'm trying to rebuild my credit, so I started reviewing some of them. Well after I decided to apply, I was denied and then seen there were several hard inquiries made to my credit report which made my credit score drop dramatically. One of those third party companies also required a deposit which I attempted to make but my bank had stopped the transaction as I have identity theft protection on my credit reports, I received a few follow ups regarding my deposit but I figured it was not meant to be and didn't reapply. 
My credit score is now suffering, and I never got approved after they said the odds of my approval are 100 %. This is very misleading and does significant damage to credit reports. I would also like this complaint to also be filed with the FTC as they have started filings on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't know that I had any debt outstanding with XXXX XXXX I never received a letter, email or anything else. When I found out that I had an outstanding balance on my XXXX XXXX card, I paid it in full. But it negatively affected my credit score, without ever giving me any sort of written notice that I even owed anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MI
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:
This is my countless attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$4100.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX  a title loan was taken out by me through TitleMax. Once we started signing the paperwork, we agreed on a monthly payment XXXX a month and would make and would be paid off in 6 months. What they dont tell you is that every month the loan is renewed and the XXXX dollars Ive paid the last 2 month equaling XXXX dollars hasnt paid on anything expect for the interest for that month.. it is never explained the loan is to be paid back in 30 days.. the lender never informs consumers if you dont pay more than the initial agreed amount the title loan will never be paid down or off..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Deinde Online Services, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company identified as IntegraCredit located at XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL XXXX. They stated in the letter I owed them {$1700.00} for a loan I supposedly had taken out. I have never heard of or had dealings with this company and I have no outstanding loans. I contacted the company by email and phone. They have not responded to my email. On the phone, they wanted me to give them the last four numbers of my social security number. I explained to them they are contacting me and I have never done business with them, so there is no reason for them to have my SSN. They refused to talk to my without providing that information. 

I suspect this is an episode of fraud or identity theft, but without the company 's willingness to talk to me, I can not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Maximus Education, LLC dba Aidvantage
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have been trying to speak with servicer ( Aidvantage ) for days at their phone number ( XXXX ) XXXX. Issue is that no matter the time of calling, no one answer the calls. You can see in social media websites other affected people with the same issue. Reason of calling there servicer is to apply the SAVE IDR plan made available by de Biden administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights has violated.

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX  I ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2017-08-29
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:
Experian is reporting XXXX XXXX as an account of mine. It is not my account and was removed from XXXX Credit Report and needs to be removed from this one as it is not mine.

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 2019-04-22
Company: GreenSky, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18 we purchased a water softener system with local company that offered interest free for 6months a payments of {$35.00} for 3 years at 9.9 %. Supposedly on their home improvement card that turned out to be a regular credit card. The company sent a copy only after the unit was installed but I was shown an XXXX disclosure stating the terms. The purchase was {$3600.00}. It states that the finance charge will be {$3600.00}. Thats very close to 50 %. The term was NOT 3 years it was 12 years and the finance charge is the same amount as the purchase with total payments being {$8600.00} for a water softener. Very close to the amount of the purchase. The payments were not {$35.00}. There were laddered payments going up to {$60.00} until XX/XX/XXXX. 

We made minimum payments of {$35.00} during interest free period. When we received the statement after the 6 month period we were surprised to see that the amount owed went up not down. I called I was first told I didnt understand. My wife is a retired banker who is over XX/XX/XXXX. When the sales person found that out he arranged to put the transaction in my name. I would not have agreed to the terms if fully disclosed per regulations. My wife was present to see the approval. We received the full disclosures only AFTER the unit was installed. Turns out Greensky is a front for XXXXXX/XX/XXXX, an XX/XX/XXXX XXXX XXXX subject to federal lending regulations. 

14 months later the amount owed has gone down {$5.00}. I sent an email to customer service to Greensky customer support and requested an explanation of exactly how they were calculating the interest. I received a phone call saying they were happy to talk about it but they were not allowed to answer anything in writing. 

More recently I sent an electronic payment showing it was received the same day it was sent. They processed it for 7 days and then charged me a late fee requesting two payments. 

This company is not disclosing per regulations. It is cheating seniors and new home owners. The correct interest rate being charged is not 9.9 % for 3 year term. The idea that this term was changed to 12 years with altered payments by the time any written disclosure was issued is scary for any consumer. I urge you to take action. We would never apply to some undisclosed out of state bank disguising its subprime lending under a Greensky consumer finance company. I will be happy to send any documents requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CarMax, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I went through a bankruptcy a little over two years ago around XXXX of 2021 and our vehicles loans were reaffirmed during the process. Our credit reports state that the loans were discharged but they were not. They were reaffirmed and we are still making payments on time every month. As of today neither of our vehicles have been reported with correct balances or that any payments have been made and it is impacting our credit when we are trying to rebuild. It would be very beneficial to us if the balances and payments were corrected dating back to the original dates since we have continued to make payments on the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Westlake Services, LLC
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
In accordance with the Fair Credit Reporting Act, these accounts with these different creditors, have violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It states that a consumer reporting agency can not furnish a account without my written instructions. 

Creditor : XXXX. XXXX XXXX XXXX- {$620.00} - XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX- {$3600.00} - XXXX XXXX XX/XX/XXXX XXXX. Department of Education- {$1100.00} - XXXX XXXX  XX/XX/XXXX XXXX. US Dept. Of EducationXXXX - {$3400.00} - XXXX XXXX XX/XX/XXXX XXXX. Department of Education - {$1900.00} - XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} - XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - {$10000.00} - XXXX XXXX XX/XX/XXXX XXXX : XXXX. XXXX XXXX XXXX - {$4100.00} XXXX XXXX : XXXX. XXXX XXXX bank ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX XXXX ( bank ) - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did call C.C.O.C ( A Debt Collection Agency ) when I found out that they report this debt to all XXXX credit bureau. I told them that this debt supposed to collect from XXXX XXXX XXXX XXXX and I have a prove of XXXX XXXX A that I filed with IRS that I paid my premium from XXXX - XXXX XXXX. I also told them that I did call XXXX XXXX XXXX  XXXX to confirm that they will take care of this debt. I also send all supporting documents along with the letter to C.C.O.C.. Instead of removing this debt from my credit reports, they sent me the letter state that this debt is valid and will remain unchanged. and also adding interest with this debt.

Company response to consumer: Closed with explanation