BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XX/XX/XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XX/XX/XXXX which is why I paid {$62.00} to catch up and I also paid again in XX/XX/XXXX. So I made a total of 3 payments in XX/XX/XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX  has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XX/XX/XXXX and that's why I paid $ XXXX monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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: Old information reappears or never goes away

Complaint:
This accounts were deleted form my credit report in XXXX. It has been readded on credit report in XXXX. I have disputed this account as not mines. I have also provided a FTC ID theft form on this account. This is not a charge off. 

1. XXXX XXXX XXXX XXXX {$4100.00} Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report immediately.

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 2022-02-09
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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit account with XXXX. I returned all of my merchandise but was never received credit for the items I returned. This account has been listed as charged off and pass due on my credit profile since XX/XX/XXXX. I have the original receipt of the merchandise being picked up and returned XX/XX/XXXX. However XXXX has reported my account as never paid and charged off in bad standing. I have reached out to XXXX many times for them to please correct this error but they continue to dispute my dispute with the credit bureaus. This account has been financially crippling because of the negative impact on my credit for so many years. I returned all items as to relieve any balance with my credit account however XXXX has never reported the corrected or true balance to credit profile. And as recently as XX/XX/XXXX again denied my request to fix this untrue negative account on my credit profile. Please see attached is my original receipt for pick up and it included the serial numbers for the merchandise.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2020-01-30
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:
XXXX, XXXX  AND TRANSUION HAS NAME AND ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. 
XXXX XXXX XXXX-NOT MINE, XXXX XXXX -NOT MINE, XXXX XXXX-NOT MINE, XXXX  XXXX  XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX  XXXX-NOT MINE XXXX  XXXX-NOT MINE Addresses : XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE, XXXX XXXX , XXXX , FL XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX, XXXX XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX , XXXX , FL , XXXX, XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, XXXX XXXX , XXXX , FL , XXXX, XXXX XXXX XXXX , XXXX , FL , XXXX-NOT MINE PLEASE DELETE, ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE,

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 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

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 2020-09-20
Company: EQUIFAX, INC.
State: PA
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:
Credit report agency is showing XXXX account Company is showing an account in collections on my credit report for XXXX from a credit card with a limit of XXXX. I attempted to contact this company over the last 2 years several times but was not responded to however they are illegal verifying the debt as valid to the credit agencies and refusing to respond to my request for proof. The company does not respond to emails and I'm not able to speak with an actual person because you need to enter you credit card number or personal information. I DON'T HAVE AN ACCOUNT SO I HAVE NO CREDIT CARD NUMBER AND MY PERSONAL INFORMATION I ENTER SAYS NO ACCOUNT FOUND. THIS COMPANIES LACK OF INTEGRITY AND ACCOUNTABILITY IS CAUSING DEROGATORY INFORMATION TO BE SHOWN ON MY CREDIT REPORT CAUSING ME HARM AND SLANDER MAKING IT IMPOSSIBLE TO LIVE A WORRY FREE LIFE AND FINANCIAL FREEDOM DUE TO THE ERROR THEY REFUSE TO FIX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
With {$2000.00} down payment ( {$10000.00} purchase price ). I was told the loan would only be granted if the extended warranty was purchased ( ~ $ 1,700+ ). Which also meant I now needed GAP due to high interest. 

With high pressure tactics and my loan paperwork stating this was optional I was forced into payments I couldn't afford with the high interest. Later to have it repossessed & sued for entire loan + interest had loan carried full term ( almost {$20000.00} total )

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 2018-05-02
Company: AmeriCollect
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CITIBANK, N.A.
State: MA
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:
Hi, XXXX.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks

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 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I transferred some funds from my XXXX XXXXXXXX account to my capital one bank account and I used my debit card with capital one for some authorized transactions only for them to reach out to me saying my account will be closed for no reason and no explanation whatsoever. They said my funds will be sent back to my XXXX XXXX account or a check will be mailed to me and that was over a month ago. I've called them severely and they never gave anything to say regarding my money. I need my money to pay my bills and take care of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: BlueChip Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I was issued a loan from XXXX  for {$600.00}. To date, I have paid {$390.00} which has cleared and posted plus another {$130.00} which is in process for a total of {$520.00} ( 4 payments of {$130.00} ). Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. Once I make my fifth payment of {$130.00} on XX/XX/XXXX, I will have paid {$650.00}. To pay the {$90.00} fee, I would owe a remaining amount of {$32.00}. I will pay that amount on XX/XX/XXXX. 

The XXXX website states I still owe {$670.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$390.00} which has already cleared, to collect another {$670.00} from me would mean XXXX will receive {$1000.00} on a {$600.00} loan. 
This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my fourth payment ( XX/XX/XXXX ) and fifth payment ( XX/XX/XXXX ) of {$130.00} each are posted to my account, I will only owe {$32.00} to pay back {$690.00}. I will pay that on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Professional Debt Mediation, 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:
Im sorry I had no Knowledge that this was XXXX XXXX working with Professional Debt Mediation Inc. I did not expect them to be reporting anything to my credit considering the fact I never signed a lease with them! Unfortunately this information the company provided is misleading. I was never prompted to pay {$120.00} application fee. The manager at the time XXXX XXXX told me I had to bring the application fee into him. He ran my application FIRST without collecting the fee. I attached emails of XXXX XXXX sending me the application through email and me sending the application back to him, and of me asking XXXX XXXX if I can come and bring the application fee in and him responding " Thank you, XXXX, received, We are reviewing ''. XXXX XXXX did not mention or inform me when to bring the fee in. Once I was denied the apartment XXXX called me and told me I was denied. He did not collect any fee from me. XXXX did not follow company procedures of collecting application fee first before running my application. I was never sent any form or payment authorization to run this application fee to where I could even deny payment. Therefor they can not make this as a debt owed! The company procedures was not followed and they are serving the consequences to the applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Wells Fargo Bank repossessed my late wifes car on XX/XX/XXXX and sold at a private sale on XX/XX/XXXX for {$4700.00}. 
The XXXX XXXX value for this car : XXXX XXXX XXXX XXXX {$7900.00}. 
I think Well Fargo is involved in unfair, deceptive, false and racism. 
During the time period discussing the fate of the automobile, several Wells Fargo agents were found to be quite disconcerting and negative.They sold the car for only {$4700.00} which I think is false. I have demanded a copy of the private sale

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 2020-09-20
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, an IDR Repayment Plan was submitted via Student Aid.gov., because of an email alert by Nelnet . When I called to check on status, I was told by Nelnet a repayment plan was not needed. I continued to receive emails. I got student aid.gov involved and Nelnet then stated that the application had been received, however when I try to reach out to them, Nelnet will not respond to my calls either through phone calls or call backs. The dates on my loans have been changed repeatedly. Now, I am told again that I need to recertify. On XX/XX/2023, Nelnet website states application received XX/XX/2023. On XX/XX/2023, Nelnet website states application received XX/XX/2023. Now Nelnet is stating that I need to recertify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: CarMax, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am contacting your establishment to report XXXX failure to honor the XXXX time waiver of a {$15.00} late fee. I have called into CarMax multiple times and received multiple emails stating that the request to waive the fee request was denied with no explanation. At my initial request and all following waiver requests ; each CarMax representative advised that the fee will be waived and that they just need to put a request in for it. I was advised it takes XXXX XXXX business days at the most for approval. However, to this present day, ( about a month has passed ) and the late fee has still not been waived and Car max continues to charge it as part of interest fees due to the fact it is tacked onto the total balance amount. 

I am requesting immediate removal of XXXX {$15.00} late fee and to correct the difference in any finance and interest charges that were higher due to the balance at the time of calculations.

Company response to consumer: Closed with explanation