BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
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 is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX  gap insurance coverage they made me put in my loan agreement. I filed XXXX XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

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 2022-07-20
Company: EQUIFAX, INC.
State: IL
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  is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: NC
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 disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2021 I was notified by XXXX XXXX XXXX XXXX of my Denial status based on the information pulled from Transunion 's Credit profile of me. Upon, reviewing my letter I noticed a discrepancy with the reported Credit Score and My actual Credit score. I asked the XXXX if they could supply me with model of scoring or where this information was obtained. They instructed that I reach out to Transunion to gather that information. 

I as a consumer, know my rights when it comes to knowing what information can be disclosed to me about my credit profile and feel as Transunion is not reporting a real score and credit profile to the lenders that I do business with. 

I called Transunion and spoke to a Representative and Supervisor who both did not disclose to me the information I requested. But continued to insult my intelligence until I informed them, that I have their Credit monitoring service, XXXX XXXX, XXXX XXXX and have recently pulled updated reports. None, of the scoring models they gave me are a reflection of my current score for the last 12 months. I can prove it with screenshots and account information. 

I feel they are violating my rights to a fair credit reporting system to my lenders about what my credit worthiness is accurately.

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 2023-08-09
Company: Global Lending Services LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2023, payment arrangements were made with the creditor to XXXX  past thirty day reporting to all three credit bureaus. I explained minimal payments were beyond my control due to COVID related employer polices that took into effect. ALL three debts between XXXX and XXXX were reported with an additional late fees totaling {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AC AutoPay LLC, Denver, CO Branch
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I found the auto refinance company on XXXX XXXX. I filled out all the paperwork and sent it to them on XX/XX/XXXX. I was assigned to XXXX XXXX. He did not review my loan amount, the cost of the gap insurance and extended warranty. He did not tell me what the interest rate was or that there is a {$500.00} loan origination fee. XXXX did not return my calls, and when I told him I was available he did not make an effort to call me at that time even though I explained the reason why I was not available at other times. He started texting me but even then he didn't respond to my texts. At one point I told him I wanted to cancel the loan. He said it was going to be funded soon and he didn't want to lose the deal. He guilted me into going forward despite my concern that the whole procedure was unethical. I did not get any information about the total of the loan, itemized costs of the Gap insurance or extended warranty ( that I told him I didn't need because I have one ) the loan origination fee, and the interest rate until I was given the name of the Credit Union that the loan is through. I sent an email and received the information two days later. I can get copies of the text messages, and they recorded all our phone calls on their end. This company is unethical.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-26
Company: Credit Plus Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: MA
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 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  XXXX # 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 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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 non-monetary relief
Consumer complaint received 2018-05-18
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 information incorrect

Complaint:
First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXX XXXX  activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!

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 2022-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. 

I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. 

On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. 

I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. 

At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. 

Thank you

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 2022-07-20
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I noticed XXXX XXXX XXXX as reported multiple times. These accounts do not belong to me. The accounts are duplicates and have not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
All of my bank accounts at Chase had the money transferred without my knowledge to different accounts leaving me with a {$0.00} balance in every single account I had with Chase. My credit card account was changed including updating my email and asking to have a fraud alert added to the account. Chase then proceeded to notify a XXXX party who was committing fraud on my account of my new information causing continued distress and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained the loan on XX/XX/21 with an apr 35.97 % in the amount of {$10000.00}. It has been close to 2 years and the balance ad of today is {$8800.00}. I reviewed documents to find that the loan is on an amortization schedule with a total interest of {$12000.00}. Maybe Im not the best at math but that seems like way more than 35 % and insane. I asked if I could have the loan reworked for a better interest rate and they declined. I am having a very difficult time paying this down with each payment of {$390.00} thus far going mostly to interest. I feel like the fees and rates on this loan are very excessive and predatory in nature. Yes I needed the money and I signed on the dotted line but at this point Im wondering if I will ever be able to pay this off. Ive asked them for help. If I dont pay they report it which hurts my credit and when I do pay it barely makes a dent. Im not sure how you can help but I do want to let you know how this business is operating on others misfortunes and need and making it very difficult to resolve accounts. I have come to understand this company is associated with XXXX XXXX and both have ceased any loan originations. Loan Me continues to work on outstanding loans which XXXX XXXX is defunct due to legal and regulatory actions. Same company!!! Though Im not sure why Loan Me was allowed to continue business under the same owner. Quite frankly this is loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Im filing a complaint against FCO based on their continued attempts to collect an alleged debt that is intentionally abusive and deceptive. Im demanding that the collection company cease and desist all action against me, as my evidence is more than sufficient. The main points as per attached : 1. ) The original Lease included an attachment move-in/move out form thats signed by leasing manager, and clearly showes damaged flooring. Furthermore, attached confirming letters from leasing manager.

2. ) Moved out early due to breach of contract - Violation of the implied warranty of habitability under California code section 3 D616 civil code 19411942. No rent due for period alleged.

3. ) If money was due 3 day notice would have been attached to door, followed by court filling for eviction and unpaid moneys including any damages. This never occurred because there was no damages or money due at move-out.

4. ) Accounting Statement sent was a clear indication of a deceptive debt and intentionally abusive. The total amount is intentionally inflated to collect a higher amount by adding on numerous fees, then apply the same fee a second time. Double charges for same item on services never rendered, late fees charged on rent not due, etc.

The collection company purchased a fraudulent debt. The alleged debt is intentionally abusive and deceptive as outlined in attached documents. Therefore, FCO must cease and desist all collection activities against me.

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 2017-04-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, Contacting you is my last effort to resolve the issues I 've been experiencing with the credit bureaus. I have incorrect information being reported on all XXXX. The compliant is being filed against Equifax specifically. I will do each compliant separately to aviod missed information. I have disputed all hard inquiries on my credit, my personal information, and several accounts that are in collections that do not belong to me. The confirmation number for my most recent dispute with Equifax is # XXXX. They have my incorrect date of birth and spelling of my name listed on the report. The correct personal information was included in the dispute request that I submitted on XXXX. This is my 3rd attempt to have all hard inquiries removed as well as the accounts in collections as they do not belong to me and were not authorized by me. I have submitted supporting documentation of my identity and they still have not updated my information nor deleted the inquiries. I would appreciate it if something is done in regards to the fraudulent activity on my credit report as the credit bureaus are n't handling the matter. I have attached a copy of my identification as it is listing an incorrect date of birth on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This loan was transferred on XX/XX/XXXX from previous lender XXXX. I received an escrow analysis dated XX/XX/XXXX, that stated the shortage amount was {$1700.00}. I started pulling documents since neither my hazard insurance or real estate insurance had gone up significantly. By doing this I learned that between my hazard insurance and real estate tax the difference from XX/XX/XXXX was a {$32.00} increase, which is significantly different than the shortage amount shows, that is {$1700.00} difference. So where did the money go? I called Rushmore since the numbers were not adding up, I finally spoke with a supervisor name XXXX, who determined when the loan was purchased from XXXX the PMI insurance was never removed and continued to be paid. XX/XX/XXXX I applied for the PMI to be removed from the loan. I received a letter from XXXX stating that as of XX/XX/XXXX the PMI insurance would be removed and the monthly payment would be lowered. XXXX, stated she had the documents stating the PMI insurance had been paid for 12 months, apparently XXXX  adjusted the amount of the payment to reflect no longer having PMI, but did not ever stop paying it. When Rushmore purchased the loan PMI continued to be paid. XXXX did get the PMI removed from the account and since I have not been billed, however I have not been reimbursed for the 12 months worth of PMI taken from my escrow account. This problem was discovered in XX/XX/XXXX, initially XXXX communicated well, however I left multiple messages that were never returned and even tried to contact customer service supervisors and would be promised a call back which I never received. XXXX informed me that the incorrect payments made would have to be refunded and then would be applied to escrow if there was a overage I would be refunded. XX/XX/XXXX I called Rushmore back and spoke with supervisor XXXX XXXX, he said he would file a refund request with FHA to be reimbursed the amount of {$1400.00}. I received one follow up call with no additional information. I then received another escrow analysis that states I had a shortage of over {$1900.00}, and that my mortgage payment will go up in XX/XX/XXXX. I left XXXX several messages without reply. XX/XX/XXXX I called Rushmore once again, I spoke with supervisor named XXXX, who insisted he would look into this and return my call XX/XX/XXXX, I never received a call back. XX/XX/XXXX I called and spoke with a manager named XXXX, who promised to look into this situation and call back XX/XX/XXXX. She followed up with at least a phone call but no additional information. This is not a mistake of the customer but of the loan provider. Im demanding the money that was taken from my escrow account to be accounted for. I have gone months without contact or resolution to this problem. Please reply with written correspondence to resolve this issue.

Company response to consumer: Closed with explanation