BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get this item off my credit report so I can move on with my life. 1. XXXX XXXX ( Transunion and 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 2018-04-02
Company: Apelles, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX The Fraud and Misconduct continues by SHERMETA LAW Group PLLC! This is with regards to information obtained from the Plaintiff, XXXX XXXX. See included letter from XXXX XXXX stating that on XX/XX/XXXX XXXX XXXX was issuing a Cease and Desist and stopping all collection efforts and closing the account with SHERMETA LAW Group PLLC which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then SHERMETA LAW Group PLLC has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if SHERMETA LAW Group PLLC had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to SHERMETA LAW Group PLLC by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that SHERMETA LAW Group PLLC be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: VW Credit
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/2018 we were referred to XXXX XXXX by XXXX XXXX XXXX XXXX. The XXXX authorized person at the dealership worked out a lease deal for us that would give us payments of about {$390.00} per month. The lease was no money down, no first month 's payment, and no security deposit which is a standard XXXX deal. The lease term was 48 months with a residual value of {$18000.00} and a 10,000 mile per year. Well before we drove the two hours to get to the dealership I submitted the online application and BOTH XXXX XXXX and Volkswagen Credit ran my credit report as a hard inquiry. We had provided a deposit to hold the car when they confirmed the lease and payment and they said that would either be applied to the lease to further reduce our {$390.00} payment or we could have it refunded. We arrived at the dealership to pick up the car which we had been assured several times was ready and all we would have to do was " sign and drive. '' That turned out to be a lie. The dealership said they could not verify my income ( I am a XXXX employee and I had already provided my past three Earnings and Leave Statements ) Then I was told that I was not allowed to use my rental income then they told me it was not necessary. Then they ran hard credit inquiries three more times which by the end trashed my credit score and then came to me and told me because they could not " verify my income '' and because I had so many hard inquiries the only way they could make the " deal '' was to add an extra {$120.00} the the payment ( going from {$400.00} per month to {$520.00} ) and they would now require that I pay {$1200.00} up front and have a higher payment than what was promised. They also claimed that they could not verify that I had any previous car loans -- although I had a lease with XXXX   that was paid off early and still shows up in my Volkswagen online account. The other was an actual car loan through XXXX that was paid off in advance also. The series of lies were designed to increase the cost of the vehicle significantly -- {$6200.00} over the term of the lease. We were told our deposit would not be refunded if we did not complete the deal because they had taken the car out of stock and held it for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions 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:
I have disputed the account XXXX XXXX   XXXX with Experian and XXXX for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the 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 2018-02-24
Company: EQUIFAX, INC.
State: IN
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 spoke to all three credit bureaus via phone. I was told that XXXX would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with XXXX. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions 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:
I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Bonneville Billing and Collections
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: Old information reappears or never goes away

Complaint:
This account originally belonged to XXXX XXXX and was bought by Bonneville Collections. According to XXXX the first delinquency occurred in XX/XX/XXXX therefore this account should have been removed from my credit file in XXXX of of XX/XX/XXXX. Per Idaho 's statute of limitations : " Breach of contract for sale under the UCC : 4 years. 

Written contract or liability : 5 years. 

Contract or liability that is not written : 4 years. NOTE : The time period begins as of the date of the last item, typically a payment or a charge under a credit card agreement. A written acknowledgement or new promise signed by the debtor is sufficient evidence to cause the relevant statute of limitations to begin running anew. Any payment of principal or interest is equivalent to a new promise in writing to pay the residue of the debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Westpark Equity Group, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
1 ) We were never given our rate until it was too late for us to back out of the deal and lose our earnest money - and we feel the rate is outside of industry norms given our credit profile, income, property, etc ... ; 2 ) We were never given a Final Closing Disclosure as required by Federal Law 3 days prior to closing ; 3 ) When we DID receive a Final Closing Disclosure at closing, our loan officer asked us several times to back date it ( which would have been a commission of loan fraud ) and only stopped pushing us to do that when we insisted that he no longer ask us to commit loan fraud and signed and dated the CD after closing ( with the actual time and date that we received it ) ; 4 ) When we got to closing our costs to close were $ 30K more than we were expecting or had liquid - and we had to choose between scraping for cash and losing our {$28000.00} earnest money deposit ; 5 ) When we brought these concerns to our loan officer via phone during our closing we were told there was nothing that he or Westpark could do to assist us and we were left choosing between losing our {$28000.00} earnest money deposit or signing the documents. 

There are a litany of other irritations we had with the process - but the major concerns are addressed above. 

Important Dates / Amounts Actions : My first call to Westpark - XX/XX/2018 - Sent them our documents for review. 
File Submitted to Underwriting - XX/XX/2018 Close of Escrow - XX/XX/2018 at XXXX XXXX - XXXX XXXX XXXX - XX/XX/2018 Purchase Price : {$920000.00} Loan Amount : {$740000.00} Interest Rate : 6.625 % Down Payment : {$180000.00} ( 20 % )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Seniors should be especially wary of doing business with this company.The Union Bank  may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2021-06-24
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: Was not notified of investigation status or results

Complaint:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.

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 2018-06-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been in the process of temporarily unfreezing my credit with all 3 CRA 's. I was able to unfreeze XXXX and XXXX  without an issue, I simply entered my Pin/Password which was created initially to freeze my account. I did the same with Equifax and was given this response, ( see attached photo ) This prompted me to reach out to Equifax over the phone to see what the issue was. The representative told me i needed to send a cover letter with my personal information such as name, date of birth, security number to an general email bucket at Equifax in hopes to unfreeze my credit even though i gave them all of that information verbally. I am EXTREMELY hesitant of doing this for many reasons. I was able to unfreeze my credit with the other 2 CRA 's without an issue. I do not trust Equifax and feel like they are taking advantage of me the consumer. They always ask for irrelevant security questions such as " what is the balance of your credit card '', which is confusing because i have multiple cards and do not indicate which one they are referring too. They never clarify which card, or whether they want the last posted balance or current balance! Every time i answer they tell me i failed the security question and need me to send my personal information in the form of a cover letter to their random email bucket. It's infuriating that this CRA is requesting me to send my personal information in such a reckless manner when they have a track record of not being able to secure their consumers personal information. I would really appreciate some intervention from the CFPB to help, I understand the security measures of verifying my credentials but their process does not seem secure nor safe. 



Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated there were unable to lift your security freeze. In order to temporarily lift the security freeze please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information along with a social security card or paycheck stub showing the social security number to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX or fax the documents to ( XXXX ) XXXX. The consumer may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. 

Is this the normal process for a consumer to lift a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep calling and telling me that I had a credit card that I never had. I told them this, and that I do not have any such credit card on my credit history.

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 2018-10-26
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:
I've disputed Transunion for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: MN
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   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 2018-10-26
Company: EQUIFAX, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please step up and eradicate UNKNOWN XXXX, XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A car dealer ship owed me a check for {$710.00} as part of buying a car. The check from them to me was issued on XX/XX/XXXX. I never received the check, yet it was cashed on XX/XX/XXXX. I saw the cancelled check and it was stamped in the endorsement area for a locked bag with a Wells Fargo account number. My name and address were on the check so it was made to me but someone else deposited the check. 
I contacted Wells Fargo and they confirmed it was not my name on the account which the check was deposited and that there are no accounts with my SSN at Wells Fargo. So there is no way this check should have been deposited into someone else 's account. 

Wells Fargo said I needed to call my car dealer and that they would have to have their bank refund the money into the car dealer 's account. 

I called the dealer and they had their bank, XXXXXX/XX/XXXX, initiate this process. Wells Fargo said they would return the money but it would take 60-90 days. 

So the dealer will not give me the money they contractually owe me till Well Fargo give the money bank to XX/XX/XXXX. 

To hold this money hostage for 60-90 days after they made a mistake in depositing this check into someone else 's account is ridiculous. I do not know whose account it is to figure out how they got the check and this has all made me frustrated. 

It has lead me to complain to the XX/XX/XXXX for the car dealer for breach of contract and to their corporate office. I also want to make sure Wells Fargo is held accountable in all this and they put the appropriate controls in place to prevent this, and adjust their policies to refunding the money faster than 60-90s when they do make this mistake.

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