BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: IL
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 is reporting incorrectly to Equifax ; XXXX   and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due 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 these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: IL
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:
Victim of the Equifax Data Breach of 2017, upset with the nature of Credit Reporting Agencies and the lackluster steps taken to provide security for the very sensitive information contained by these Agencies for hundreds of millions of Americans. This is not simply a data breach, it has the potential to impact the future of Americans young and old. These companies are truly playing with the livelihood of millions of people including myself. Actions should, and hopefully will, be taken against not only Equifax, but also XXXX and XXXX, in the wake of this breach. With that being said I also hope to see the hackers who skimmed the information of myself and other Americans brought to justice and prosecuted for their thievery. The world would be a better place for all if we could stop these crimes before they ever had a chance to be committed, but until that day comes, companies that keep sensitive information that has the power to ruin a person 's life should take the necessary actions to protect that information at whatever cost. Otherwise, I would implore people to never again trust these agencies with our business or our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX XXXX from XXXX XXXX XXXX. I purchased XXXX extra miles up front so I wouldn't go over mileage. My total mileage allowance was XXXX for the lease. I turned in the lease with approximately XXXX. I assumed like other car manufactures that they would send me a check for unused miles after turn in date was XX/XX/XXXX. I called them approximately mid XXXX to check on the status of the refund. However, I was told they don't refund unused pursed miles. I had to get them to clarify this with upper manager that they owe me a refund. They came back to inform me at the end of XX/XX/XXXX days they would send the refund. My concern is how many other customers are being cheated or abused like I have on something paid for but haven't use. Thanks for your time. Please contact me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: CT
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:
On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

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 2020-11-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX I noticed a hold on my account for {$1800.00} I contacted XXXX SUNTRUST asking why was this taken out of my account. I was informed it was due to a returned check on my daughters account. I informed them that she was not on my account why are you debiting my account for her debt on a different account. I informed them that account was opened SIX years ago when she was a minor. She is now XXXX and they should contact her to collect the amount owed as they always had done. Fast forward to XX/XX/XXXX. My account was again debited this time for {$1700.00} I contacted XXXX SUNTRUST again asking why was there a hold on my account again. I was told it was for my daughters closed account. I informed them I would be filing a formal complaint because you are taking money I don't even owe you this is not my debt. They then placed another hold on my account for another {$1700.00} on XX/XX/XXXX. XX/XX/XXXX I went to the SUNTRUST branch bank located at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and spoke to the bank manger Mr. XX/XX/XXXX. He contacted the Recovery Team they released the third hold just to turn around an place another hold on my account today for {$470.00}. At this point my account has had been debited {$5900.00} for an account and a check I had absolutely NOTHING to do with.

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 2023-09-28
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with Spotloan a few months back and I have paid nearly all of what I took out yet due to interest I owe more. However due to harrassment issues and poor service I was offered a settlement which has several small payments set up unfortunately yesterday I simply called to make sure the right bank account was as being used for payment and the agent I spoke with was acting like I didnt have a settlement or any payments set up and suggested I talk to a third party and or power of attorney which is for someone who died! I sent a complaint via email and havent been responded to or contacted by phone due to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-10-29
Company: Resurgent Capital Services L.P.
State: CO
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 called LVNV Funding a month ago. In a recorded conversation they stated that if I provided them with the letter from XXXX XXXX they would remove the collection. How are you collecting on a debt that the original furnished say that I do not owe. I will also include XXXX XXXX in this dispute so they may be contacted. XXXX XXXX determined that this card was opened due to fraud and updated my accounts according. In fact deleting it from all credit bureaus, but XXXX who refuse to keep good records and who has not updated my account with my new accounts or did anything they should is the only major credit bureau still reporting it. I have attached some files and also the recorded conversation between LVNV Funding and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2021-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
According to federal law 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter.

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 2018-04-26
Company: Navient Solutions, LLC.
State: IA
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:
I have an account with Navient that shows several periods of overdue payments. This is negatively affecting my credit score. It is also incorrect, as the overdue payments were retroactively cured by forbearance. I sent the attached email to Navient. An employee named XXXX XXXX spoke to me on the phone, and stated that Navient is not allowed to change a report once it has been made, even if it is no longer correct. Her position is wrong under the law and under the advisory opinion I cited in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Prior to XX/XX/2019, XXXX put an unauthorized transaction thru my account. My bank reversed it. On XX/XX/2019 I went and gave them a letter of revocation of ACH/Debits/Checks..and they refused to accept it. They said they don't have to revoke authorization. 

Today another XXXX transaction hit my bank account. My bank will return the item but they need an understanding of revocation of ACH. They don't feel they have to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AMERICAN ADVISORS GROUP
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up to my complaint no XXXX. 

Please incorporate the facts from the previous complaint into this new complaint. 
The primary basis of this complaint is that American Advisors Group has provided the CFPB with false information in an attempt to undermine the CFPB complaint process. 
The XX/XX/2019 letter to CFPB is fundamentally false. The only true fact is that I participated in a conference call with AAG. During that conference call I asked for specific documents to verify the claims being made by AAG 's, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite several follow up emails I received no documents. 
The XX/XX/2019 letter falsely states the loan not approved. An email from AAG loan officer XXXX XXXX confirms the loan was approved and that is corroborated by a relephone message from AAG attorney XXXX XXXX. 

False statements to the CFPB show reckless disregard for the consumer and the system of public protection the CFPB has established.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: EQUIFAX, INC.
State: AZ
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 was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due XXXX. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: MD
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:
Ive submitted information to have addresses I have never lived in before removed. They were. I recently looked at my credit report and a bunch of them are on there and nothing is reporting with those addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I offered American Express an final settlement offer for my account ending in XXXX. The representatives are very rude and continue to harass me with unfavorable resolution terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for refinancing my primary home on XX/XX/2020 with Amerisave, and I have been providing all the documentation they need. I was told that closing can be done between 30-60 days, and it has been more than 4 months still closing is not done. I called few weeks back and they told me that closing will be done in the 2nd week of XXXX. I called or sent a mail to my loan originator or underwriter but they rarely responded. It looks like they are not interested to give me the loan so I asked them to cancel my application so I can start my loan somewhere else. I sent them mail and to send me the confirmation but not received. 

I want to file a complaint against them if they don't want to give me loan then why did they start the process, and wasted my time. I could have applied from somewhere else =, and could have got the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: IN
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:
XX/XX/XXXX I sent Experian, XX/XX/XXXXand XXXX XXXX a letter requesting them to remove all Hard Inquiries that did not have permissible purpose to be removed. 

None were removed by this letter I sent every Bank that pulled my credit and explained I did not apply for the loan. One removed it on their own. 

XX/XX/XXXX I sent Experian, XXXX XXXX and XX/XX/XXXXa letter from XXXX XXXX XXXX that said I did not have permissible purpose for a credit check. 

I found out there were 19 Hard inquiries on the XXXX and XXXX XX/XX/XXXX for a car loan. I had a car so I investigated and talked to 3 managers at XXXX XXXX XXXX till finally they realized I was never in the building or ever applied for the credit. Then they gave me a letter saying I did not apply for the credit and all my inquiries should be removed. 

I contacted XX/XX/XXXX 2 weeks ago on the phone and they said I needed a police report to remove the inquiries. 



XX/XX/XXXXXXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XXXX Auto FinancingXXXX Experian XX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Automotive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXBank XX/XX/XXXX XX/XX/XXXX XXXX XXXX I Travel/Entertainment XX/XX/XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XX/XX/XXXX I did not apply for that credit, I had no idea about the credit that was being applied for. I want this removed. Its not my responsibility. I didn't do 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 explanation
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, 2021, I submitted a credit application with Synchrony Bank for a Synchrony Home Credit for a mattress set purchase on us-mattress.com for the approximate amount of $ XXXX dollars and about one ( 1 ) year with zero finance charge if paid in full. I was denied. 

Today, XX/XX/2021, I received a letter from Synchrony Bank, XXXX XXXX. XXXX XXXX, XXXX, FL, XXXX dated XX/XX/2021, and that my request was denied for the following reason ( s ) : Credit bureau reports applicant is deceased. 

THIS is an out-right LIE. 

I have a few synchrony bank accounts and my My Credit is IMPECCABLE. 

Furthermore, they " state '' in this letter to me that some information used to make this decision was obtained from consumer reporting agency XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX ; that this consumer reporting agency DID NOT make this credit decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 

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