BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 believe that I am a victim of the XXXX data breach. This account is frivolous

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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.

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 2023-08-25
Company: Data and Contact Management Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuing harassment via phone and email regarding my deceased grandmother 's debt. They are harassing myself and her former boyfriend that she lived with when she passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I had online fraud on my debit card for {$290.00}. The bank denied my fraud claim despite the fact I filed a police report because I found the person ( a total stranger ) responsible via XXXX. I would like my money back.

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 2020-09-17
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is harassing family right after having verified my location, making threats and leaving personal data plainly for others to hear. 

XXXX XXXX of XXXX XXXX XXXX but then XXXX at XXXX its very unclear. 

XXXX Ext XXXX Information : On XX/XX/2020 I received a missed call on my cell phone from this company with a number of On XX/XX/2020 I received a missed call on my cell phone from this company ( at phone number XXXX ), followed by a forwarded voicemail from my mother as they called her right after. Someone named XXXX XXXX called from XXXX and very quickly with no discretion he said my full name on the voicemail and that he was calling about a debt I owe, said where I worked, and that his company was going to garnish wages from me. This is what he said upon the very first time this company ever contacted me, and in voice messages to my family upon first contact. 

I then called him back on my cell phone and spoke to him, verified my location and phone number and that he successfully contacted me. I was very friendly and told him I needed to verify the matter and would get back to him. He was extremely rude and laughed at me. 

He left a message the following day threatening legal action at XXXX. 

36 hours later on XX/XX/XXXX, he called my mothers phone again at XXXX and left a voicemail which said my name and that I owed a debt and that his company was threatening legal action. She played me this message. 

I contacted him to let him know please give me a few days to look into this matter and that he only needs to contact me through my phone number and address, no one else as he already verified my location. Its my understanding that they can not continue to harass my family especially when they know how to reach me and Im in contact with them, especially leaving private information on messages. This seems like just bullying on his part. 

Thank you, 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 2020-09-17
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Several years ago, my wife - who is XXXX and XXXX and can not work - saw an ad on t.v. for Titlemax. Since she did not have credit she thought this would be a neat way to borrow a little money. She did not understand the interest rate was monthly rather than annually and ended up paying interest fees that exceeded the amount of the loan. She was not and is not now XXXX XXXX of making contractual decisions on her own. 

I agreed not to prosecute Titlemax at that time with the understanding that she would be placed on a " do not lend '' list to prevent recurrences of this issue. 

I've recently learned that she borrowed money against her car again - {$5000.00} without Titlemax doing any diligence to see if she could repay the loan. She has already paid thousands of dollars on this loan that she does not understand and that they promised they would not give her. 

Regardless of the fact that she is my wife, it is incumbent upon lenders like Titlemax to ensure borrowers have the ability to repay and she does not. They continue to behave in a highly reprehensible and reckless way with elderly and XXXX individuals with little or no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-07-25
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on an income based repayment plan since 2012 after my graduation. My loans were originally with XXXX XXXX then they were transferred to Fed loan. I have submitted my qualifications for working for non-for profit organizations every year. I have not missed any monthly payments at any time. 

3-4 years into my payments, I was told I did not consolidate correctly and that all of my loans that aren't " direct '' would not be forgiven. This information was not given to me initially when I consolidated my loans. I have made extra payments towards these loans ( nearly $ XXXX ). I have contacted Fed-loans to make sure this would not interfere with my normal monthly payments which I have continued. 

I have requested multiple times for an up to date manual count. I have been given different conflicting information multiple times upon these requests ( none were manual counts but estimates ). More recently I was told that only 5 of the 7 years of payments would count.

I am still working at non-profit organization but have had job offers at private organizations. I am staying at my non-profit currently in the hopes of loan forgiveness in 3 years.

Please help me get accurate information on my loans as Fedloans has told me in e-mail that they currently do not have the resources to give me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
State: NY
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:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX  ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX  Creditor Name : SYNCB Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from 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 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted Experian, XXXX, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to COVID19 XXXX, Experian, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX  Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : 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 2020-09-17
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I XXXX chapter XXXX The Amount XXXX : Mortnges- 5 month Past due-total XXXX XXXX XXXX- Scam check XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Home owner association.- penalty {$10.00} Everyday. XXXX I my I pay my mortgage to XXXX XXXX XXXX XXXX until XX/XX/XXXX I dont know that they sell my property to Fay Servicing and Fay Servicing they foreclosures XXXX. They said Im not pay them and they said my own to them XXXX I submit to my lowyer my recipes pay to XXXX XXXX and the monthly payment to trustee. I dont understand why they dont deducted si post to be In m done but still they gave me hardship. I dont understand why they did this and my deed and tittle my home they try to transfer to them I have all record they testing to compute me how to handle chapter XXXX   pls help me I have all record and check my phone to much my XXXXredit score very bad I dont know how marketing they now my information. XXXX until right now is to much stressing for me they stop my life for peaceful. 
XXXX my hard ship : I cut hrs to my work doctor order I have child XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My son who help me XXXX XXXX XXXX in XXXX he accidents costs XXXX -name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.I have parents and XXXX XXXX to support in my country. I am single mother. 
I field modification to XXXX XXXX and Fay Servicing since XXXX but never response and approve. They always say they are the owner of my home. I both this home since XXXX XX/XX/XXXX XXXX XXXX section XXXX   ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX as the same appears duly  dedicated platted And recorded in deed book XXXX at page XXXX among the land record of XXXX XXXX Virginia. I both this consideration grantee to me XXXX XXXX XXXX XXXX XXXX Virginia. The amount of XXXX. Then right now they said the owner they dont allow give me options for any assistance. I am the owner I have all documented and recipe. Pls Im very tried and very composing this problem. Pls I need really helps. 
Thank you so much Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Incorrect information being reported due to unlawful consent.

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 2017-12-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account information incorrect

Complaint:
Onemain Financial was formally known as Springleaf Financial. They are reporting a negative account to the three credit bureaus which is impacting me Onemain Financial was formally Springleaf Financial. I have a account on my credit report from Springleaf that is reporting inaccurate information. When I contacted Onemain Financial to inform them as well as dispute the information, I was advised by their " credit bureau reporting dept '' that my account was sold to a collection agency and they could not help me. I would like to dispute the dates reported and amounts owed. I had a perfect payment history with this company and when I lost my employment, I requested the payment protection to be applied to my account, this is an additional protection that I paid for every month. The protection payments were never applied to account which caused my account to go into default. I asked month after month when the payments will be sent in because my credit was being affected. I was told that I needed unemployment before my claim could be approve. I was going through an appeal with EDD and my claim had not been awarded yet. I paid for this protection so I 'm the event something like this happen I would be protected but at a time I really needed it I was denied. This is illegal practices, to advertise a service then charge the customer but not provide

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud XXXX XXXX, XXXX, {$3800.00}, XXXX Dept of Education/XXXX XXXXXXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00}, ( XXXX ) XXXX, deptofeducation/XXXX dept of educationXXXX XXXXXXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX XXXXXXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX  Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX 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 2022-11-28
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15. U.S.C 166b a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose

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 2022-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulant charge on credit card-capital one. The charge was made on my XXXX account online with my capital one credit card. I believe it was a criminal employee. Someone ordered XXXX car stereos at {$500.00} apiece. Why on Earth would I order 5 car stereos? it was a fake order and fake delivery was set up and they claimed I ordered. I find it interesting that capital one and XXXX are both owned by XXXX bank. I disputed the charge but XXXX claims it was delivered and won't do anything about it. capital one is trying to force me to pay it. I refuse to pay for something I didn't order and never received. there was no delivery.I have a ring security camera I and never received. A fake XXXX tracking number was used.

Company response to consumer: Closed with explanation