BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Sol Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my car back in XX/XX/XXXX a title was sent to me with the company Sol acceptance listed as the lien holder. 

I have been unsuccessful at getting a clear title for my XXXX XXXX XXXX. I asked for a hardship to waive the {$20.00} fee that can only be paid via a XXXX XXXX  and they charge a fee. 

I went to the DMV today XX/XX/XXXX and was a informed that SOL acceptance should not be charging me a fee, to prove my car loan was paid off. Sol acceptance stand their growing and wont wave the fee. I am experiencing a hardship finically and ask for a waiver. Sol acceptance DMVS Electronic Lien and Title ( ELT ) Program denied it. I had to borrow money from an abusive ex to get the money to Sol acceptance. 

I was involved in a bad car accident which I am recovering and have not received any XXXX or insurance payout. Therefore {$24.00} is a lot money for me. 

I dont understand why I have to pay a fee to have Sol acceptance release off my title. When the DMV tells me I should not be charged a fee and that once my car was paid off the lender was suppose to notify DMV.

According to the DMV sol acceptance participate in the electronic lien and title. Once a consumer pays off the loan Sol acceptance complete the necessary paperwork online to release them off the title. Instead they sent me the title advising me it was my responsibility once the mailed the title to me along with a paragraph letter stating my loan was paid off, that I had to reach out to the DMV. Only to be told by the DMV that I would have still need the lender to provide me with a signed form reg 166 to remove the lender. All I know is Sol acceptance is telling me something different than what DMV is stating. Of all my years of getting a clear title after paying off the loan. This is the first issue I have had all other lenders sent me a clear title not Sol acceptance. To the DMV it looks as if I still owe them. Which I dont owe them any money. They sent me a check for overage payment but no clear title.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - 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 2021-11-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have phoned on the XX/XX/XXXX and XX/XX/XXXX and spoken with customer service pertaining to credit score reporting to credit bureaus, it seems like, when our payments were late the credit card company XXXX would report the card late, but now the card is current, the card information has not been reported to the credit bureaus. when speaking to someone in the credit department on the XXXX they stated it would take XXXX billing cycles, but, I stated that was unacceptable and, that should not be when your company has been reporting on a regular basis. This has cause an issue on our end, because, we are trying to purchase a home, been living in a hotel over a year and been working on our credit to get things straighten out myself and my husband and now we are at a stand still, with negative remarks on our credit reports, because of this, we stated to the credit card company that the credit bureaus said they never sent anything over to them this is why no information was reported and a file number was given to my husband to given to XXXX and the customer service in that department did not even want the number, but when, told her what the representative from the credit bureau said she just stated her supervisor will take care of that. All she had to do was enter the file number into the system for the report she kept stating it will be looked into before, XX/XX/XXXX. I said that's unacceptable and, I would be calling back. 

I phoned back XXXX was the last day we spoken to the company and the issue still wasnt corrected, I was given a number to the credit department but it just ranged and, I hung up, I am doing there job, I am the customer, and this is not my responsibility but am looking for solution Sincerely Yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
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:
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 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 2018-06-05
Company: SYNCHRONY FINANCIAL
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:
I request validation of the debt reporting negative on my credit reporting from an agency, XXXX XXXX XXXX, {$970.00} acct # XXXX, who purchased the debt from XXXX XXXX original acct # XXXX XXXX XXXX XXXX XXXX, FL XXXX on numerous requests, last being XX/XX/XXXX. On XX/XX/XXXX I got a letter from XXXX XXXX XXXX of deletion they couldn't validate the debt, nor send me any information pertaining to this line of credit that they are reporting negatively on my credit reporting. I instructed and showed proof to all 3 major credit bureaus, as of today XXXX deleted it, however XXXX & XXXX still showing, they claim the creditor updated and all information is accurate and consumer still owes. I have no knowledge of this so called purchased fraud debt which XXXX XXXX is reporting. I also Filed with Federal Trade Commission as a result of this matter not being properly handled and Fraud was placed upon all 3 of my Credit Reportings.

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 2018-01-16
Company: Navient Solutions, LLC.
State: AL
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:
In the year of XX/XX/XXXX I attended the XXXX XXXX XXXX online for a XXXX XXXX. During that year The company XXXX XXXX XXXX agreed to tuition reimbursement. I completed the program with As in XX/XX/XXXX. The advisors then called and emailed me constantly to coerce me to continue studies in the XXXX program since I did so well, I explained that my salary was not enough to pay more loans, and they told me that they would guarantee me they would help me with finding a job in the {$100000.00} range that would improve my station in life. There was urgency due to classes beginning soon. After constant calls and emails I agreed to enroll after assurances that I would earn a high salary and be more comfortable in life. I continued with reimbursement program from the company. When I completed he XXXX program my grade point average was XXXX and I was congratulated. I contacted the XXXX for help in finding a job, I was told to enroll with all the job boards which I did. I also asked for a job with the XXXX  and wad told they were not hiring and continue with the job boards. I received no contacts from my resume submissions. I contacted the school and got no help. The only thing they were willing to do was defer payment and offer forbearance for the next nine years. Now the eligibility for deferment/forbearance ended and I am being harassed by Navient every day and several times a day. I explained that I was still in the same job that I started with with no raise or promotion. I was in the same status until XX/XX/XXXX when I was in XXXX XXXX and had to retire. I contacted Navient and asked  for a history of my account because they were not showing any payment on the account ever, I asked to have the account history sent to me in writing since my companys tuition reimbursement was used to pay for classes. 

I have not received anything yet and they continue to call me. I did not receive any benefit from attending the XXXX XXXX XXXX and with the interest added to the debt has made it untouchable with my earning status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed a collection for the amount of XXXX from IC Systems on my credit report. I have not received any notification by IC Systems to dispute this account. This needs to be removed until they complete a full investigation on this account. I am requesting debt validation according to the FCDPA laws. I also would like copies of bills for the last 12 months of this account. I also would like to get information of contract signed or account details used to open account. 

I would like this information mailed to me within 30 days of receipt of this complaint and this to be removed from my credit report until a full investigation has been completed according to the FCRA laws.

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 2019-02-14
Company: Consumer Financial Services
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Consumer Financial Svc in XXXX Florida is reporting wrong information in my XXXX  report my car loan was discharged in a chapter XXXX and they are reporting late and balance of {$5000.00} I tried to contact them but I get no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX 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 explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX Company Inquiries : 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 I 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 2022-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/XXXX. 2022, I mailed the three credit bureaus a letter of dispute with supporting documentation by certified mail. As of date both XXXX and XXXX XXXX is still processing my dispute. 

I'm disputing an account reported as a delinquent account. My Experian credit report failed to indicate when account was opened, closed and failure to indicate when account was 30, 60 or 90 days in arrears, only displaying dashes which indicates " Data Unavailable '' preceding " XXXX XXXX " notated the following month. 

On XX/XX/XXXX Experian sent me an email notification " Dispute Open '' On XX/XX/XXXX I received another email notific3ation " Dispute Results Ready ''. I called Experian Dispute and spoke with a dispute representative on XX/XX/XXXX. She started an online dispute. 
Again I received an email notification " Dispute Open ''. XX/XX/XXXX another email notification " Dispute Result Ready ''. How could both disputes by mail and phone have the same 24 hour timeframe? 

Experian reponded the creditor 's information is valid. What information? Only information is balance amount and " Collection ''. Data still remained unavailable with dashes and no information of account open and close dates. 

I believe no Investigation was conducted by Experian. 
I'm excerising my consumer right by FCRA " I have the right to dispute incomplete inaccurate and unverifiable information ''. 
It's my understanding if an dispute is intiated by mail, the process continues in such manner and results returned to me by mail. 

I am submitting complaint to see statements for the validity of what's reported or have it removed from my report.

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 2019-02-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I

returned a bunch of items to XXXX  for a refund and I did not get a refund so I went ahead and disputed them from XXXX  and I lost the dispute as XXXX  provided docs. saying the items were delivered. Now of course these items were delivered as I received them but the issue here is I returned them and got no refund. Below are the items and tracking numbers. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX Each XXXX XXXX XXXX is {$290.00} ( $ XXXXx4= {$1100.00} ) XXXX XXXX is {$440.00} Total Owed to me : {$1600.00} Transaction took place XX/XX/XXXX The one for the computer might've been a bit earlier. 

Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX Support Request : XXXX The above are XXXX reference numbers associated with this showing I requested a return also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. 

I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. 

On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. 

At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: WA
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: Billing dispute for services

Complaint:
XXXX/XXXX/XXXX -- I receive an email telling me there 's a change in one of my lines of credit. I clicked on the linked provided, where it takes me to a page asking if you want to view single report, or a 3 bureau report. I clicked on 3 bureau, and it goes through the process of generating the report. It never notifies you of a charge. I 've never paid for a 3 bureau report before, and never had to. XXXX/XXXX/XXXX I see a charge of {$39.00} on the card on file. There use to be a step in viewing reports where they would notify you of a charge, but they have completely removed that step.Every few months I 've been able to get a 3 bureau report for not charge, so I did n't think anything of it while requesting. 

Their tactics are now fraudulent. 

I call in to the XXXX number for assistance in cancelling, and they walk you through a menu, you then get to one that says, " to cancel, log in to your Experian account, where cancelling is easy '' ( paraphrasing ). 

I log into my account, and under, " how to cancel '' section, it says to call a different number, XXXX, which takes me back to the same XXXX call tree. This time I select 'Billing ', and then it says, " your estimated call time is more than one hour ''. 

After doing some online searching, I find that this is the normal course of action. Nobody can cancel their subscription, and the banks wo n't block the charge. 

This may lead to a class action lawsuit for their fraudulent activities. I 'm only looking for a credit for the report, and to cancel my monthly subscription. If the CFPB can put a stop to their fraudulent behavior, that would be a beneficial outcome.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-08-14
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX  as original lender is incorrect also agency name is not listed also increasing amount owed is illegal, adding {$1.00} to amounts owed,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: TX
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 company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX still wrongfully reporting my account as past due.

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 2018-01-16
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am undergoing a shortsale for the sale of my home with my mortgage holder ( Bank ) and have a negotiator working on my behalf to get a settlement. The Bank offer me a {$30000.00} promissory note settlement and I countered with {$10000.00} no interest. They then countered for {$10000.00} with 6.625 % interest and I accepted, and now the Bank is refusing to accept this arrangement and threatened that if I dont accept {$15000.00} promissory note that they will foreclose on my home. How are they able to change their last offer ( which I accepted ) and try to back me into a corner? I have their offer in writing. Please help ...

Company response to consumer: Closed with explanation