BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX XXXX   partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These student loan accounts have been deferred and reporting these items as late is a violation of the Fair Credit Reporting Act. The FCRA mandates that items need to be reported accurately on a credit report. I have attached a copy of the deferment letter for reference. 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 this however, I have not been successful.

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 2023-10-04
Company: Tesani Management Inc
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have asked on multiple times that they stop adding fees to my loan while I am struggling to pay the loan. They told me to pay {$50.00} twice a month but will not stop the additional fees with paying this amount. I tried to negotiate a lower payment and they refused saying that it is not possible. Even though I am paying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) my balance due keeps going up. 
They are taking advantage of me being in a financial bind due to medical bills. Their unwillingness to stop the excessive fees means that I will end up paying over 300 % more than borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX my stimulus payment was applied to my account. Navy Federal Credit union decided on their own without letting me know that they were applying a {$140.00} provisional credit to my account for my benefit so that I could have full access to my stimulus payment, which was deposited into my savings account. My savings account was {$0.00} at that time, even if they think they had a right to put a credit in my account there was no reason for the credit. Now, 60 days later without contacting me prior they have taking the {$140.00} back out of my account, meaning they reversed the credit leaving my savings account - {$140.00}. When I called and talked to the bank the supervisor I spoke to jokingly with a little snicker says, we are prepared to offer you budgetary counseling, if youd like! I am really irritated about all this, especially because I dont have an extra {$140.00} and I have been without a job for over a year now due to COVID-19 and this is happening to me now. Its ridiculous!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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:
XXXX XXXX reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to 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 2018-07-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was in a XXXX XXXX in XX/XX/2017, which resulted in XXXX XXXX and XXXX XXXX XXXX. I have been making payments on this loan since, however this month I changed bank accounts and went to enter the new bank account number. I believe I may have entered the bank account number incorrectly due to my XXXX XXXX. I am asking that you do not mark me as late on my credit report for my one mistake. I am unable to work due to my health issues, and have a hard time making payments as it is, but I try very hard to make sure they are at least in before they would be considered 30 days late. I was unable to get help through the several emails I have sent, so this was my last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello, my complaint is with Titlema x in XXXX, GA. My husband and I took out a title loan around XX/XX/XXXX/XX/XX/XXXX.. In XX/XX/XXXX my mother in law passed and we received an insurance settlement in XX/XX/XXXX. In XX/XX/XXXX I called XXXX  to get a payoff and they told me it was around {$2100.00}. I don't recall the exact amount but I went in personally and paid this amount to avoid the {$80.00} electronic fee. I waited for my title for several months. In XX/XX/XXXX I contacted them about my title and was told that I needed to pay for the transfer of names on the title. I paid that fee and still continued to wait for the title to be mailed to me.

Around mid XX/XX/XXXX I received a text that Titlemax was looking for a payment or the car would be repo 'd. We were stunned to say the least. After paying off the vehicle and making a separate payment for the title transfer, Titlemax was claiming they never received any such payment on last year. I can't find the receipt of payment but I know they're establishment is video recorded, 24hrs. They could have at least pulled the tape to confirm this act of me coming in and paying the vehicle off. Why would they ask for a title transfer fee if the vehicle wasn't paid off anyway?

At the end of it all, they repo 'd my car 3 weeks ago. They took my money, my car and have greatly disrupted my home financially. My husband is a XXXX XXXX XXXX with an injured XXXX  and has been catching the bus & train on a 3 hr commute to work ever since. This is just wrong. If I had the money to sue, I would. This company must answer for this. Please help us.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few inquiries on my credit report which I have already tried to ask Experian to remove multiple times and now the online system is not allowing me to do. 

I am aware of somebody trying to use my ctedit to apply for stuff and I'm currently consulting and taking steps to stop it. 

However, there are a few inquiries reporting and it is highly damaging and not mine and also I have not received any reporting documentation as proof required by law as to why these are still reporting. 

The inquires are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 6 inquiries randomly poped up on my report and somebody is doing this to damage me. 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 2023-08-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TCF NATIONAL BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In summary, on XX/XX/2018, XXXX XXXX received a telephone call from an individual who claimed to work for XXXX. The caller convinced XXXX to grant shared access to the computer screen. The caller then convinced XXXX to log into her online bank account so that XXXX could compensate for computer issues. The caller told XXXX he accidentally deposited too much money into her account. The caller instructed XXXX to send a {$12000.00} money order/ cashiers check to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX in order to return the excess amount. XXXX went to her local TCF Bank Branch and obtained a {$12000.00} cashiers check, but before this check was placed in the mail stream XXXX received another telephone call from the XXXX impersonator instructing her to send the check directly to XXXX XXXX XXXX XXXX   Account # XXXX / Routing # XXXX instead. The said cashiers check was deposited into XXXX account at approximately XXXX XXXX on XX/XX/2018 at the XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The transaction receipt indicated funds would be delayed until XX/XX/2018. 
> > Shortly after the deposit, XXXX was made aware of the fraud scheme by neighbor/ friend/ authorized account user XXXX XXXX . XXXX revisited both XXXX and TCF Bank Branches with XXXX. XXXX requested a stop payment on the cashiers check at TCF to ensure the funds would not become available in the XXXX Account ; however, the TCF bank teller informed XXXX this could not be completed on XX/XX/2018 because the amount was greater than {$5000.00} and required approval from a manager who was already gone for the day. On XX/XX/2018, XXXX helped XXXX file XXXX Police Report # XXXX. The {$12000.00} was returned to XXXX TCF Bank Account for only a few days. XXXX is currently at a loss of {$12000.00} as a result of the fraud scheme. 
XXXX XXXX spoke with the district attorney XXXX XXXX in California XXXX. She personally reach out to XXXX XXXX and found she also was a person of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
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: Account information incorrect

Complaint:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

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 2018-12-12
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at XXXX XXXX XXXX  from XX/XX/XXXX through XX/XX/XXXX. Prior to leaving I gave 90 day notice which more than met the required notice set forth in my lease. I was not given any notice of any monies or fees that were owed and proceeded to move to another apartment complex. On XX/XX/XXXX I received a debt collection letter from XXXX ( XXXX XXXX XXXX XXXX ) stating that I owed {$4900.00} to XXXX XXXX XXXX. I have not received any notice of any debt due prior to this point. So I asked XXXX for a copy of my tenet ledger and they could not produce one, stating that the apartment complex was sold and all paperwork was lost. So I asked how they could try to collect a debt that there is no record of and they sent me a Statement of Deposit that does not list what the debt is for and has dates on it when I did not live there at that time ( this is enclosed ). I looked up the apartment owners ( XXXX XXXX ) and requested information from them. They sent me the same Statement of Deposit and a copy of only 2 pages of the lease I signed. On the lease someone wrote " Skipped out XX/XX/XXXX '' on it. I have proof I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I have contacted XXXX XXXX ( who was the leasing agent at the time ) and verified her receiving my notice and that my apartment was cleared and rented right after I moved out. XXXX and XXXX XXXX have placed this collection on my credit report and are misreporting the dates and amount owed which is nothing. I have repeatedly contacted both parties to try to get this resolved to no avail. I have also disputed this on my credit report and the bureaus refuse to remove the item because XXXX and XXXX XXXX keep verifying the debt. I please need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Contacted Experian on XX/XX/2018 at XXXX XXXX  eastern time Initial call was transfer over to foreign representative in which I requested for a American representative, but then transfer over to several foreign representative 's requested four times to speak with American representative., after several attempts I was then transfer over to American Representative, named XXXX out of the Arkansas call center, XXXX refuses to transfer over to her Supervisor after she informed me that Experian does not nor obligated to inform the consumer of the results of the disputes additionally XXXX refuses give me the response date of the creditor. Experian is not in compliance of the fair credit reporting act action resulting not informing of the results after filing disputes, no response after sixty days, hung the phone up on me after asking for response date, here are the intems in which I have disputed 1. bankruptcies, 2. XXXX XXXX, 3.XXXX XXXX, 4 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 2019-02-28
Company: Duvera Billing Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Took our loan of {$2500.00} with biweekly payments of {$130.00} to pay for transmission through XXXX XXXX who uses a company called easy pay to finance. We struggled to make these payments biweekly and were able to come up with the payoff amount given verbally of {$2400.00} in XX/XX/XXXX. We then starting receiving messages around XX/XX/XXXX that the interest had continued to accrue as we did not pay the entire amount off despite being quoted that. We attempted several times to settle but the amount wanted was too high. Now they are asking for over {$1900.00} just in interest payments. I have sent three debt validation letters with no response, the last with the address given on my credit report, the letter was returned address not known, unable to forward. We never wanted to finance a transmission and could not afford to do anything but finance due to transportation needs. This company took advantage of us, we called and were given a payoff amount the money was immediately sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Remitly, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
recieved a call at work from someone claiming to be owner of hotel I work at. Had me try to wire money to an XXXX XXXX XXXX in XXXX. Remitly did not have any way to cancel transaction before it completed. I talked to them but they said it went through and there was nothing they could do. I had no way of cancelling it. they took {$490.00} from my checking. it is a fed ex scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.

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 2019-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquires on my credit report that I do not recognize and that I did not authorize

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 2022-01-26
Company: EQUIFAX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: VA
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2018-12-12
Company: PHH Mortgage Services Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was being handled by PHH. It has since been transferred to new processor and the new processor is working with us to correct the problems caused by PHH. 
Two issues : 1. They paid an insurance bill they should not have and then did an analysis of our escrow account and adjusted our escrow balance due based on this analysis. The insurance was paid for one year at the time of closing. This was documented. For some reason they paid another insurance bill. We have no idea where it came from. 
2. They were sending all communications to our old address. This was never authorized. All closing documents indicated the new property address as the address for all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
LexisNexis has a phone number from 10 years ago. I have been calling since XX/XX/2019 to get it updated to no avail. I don't understand why they will not make any updates.

Company response to consumer: Closed with explanation