BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
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:
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX  BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, RENTAL PROPERTY XXXX, XXXX XXXX XXXX not mine idtheft victim

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 2019-02-13
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: Account status incorrect

Complaint:
XXXX XXXX instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XX/XX/XXXX I called XXXX and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XX/XX/XXXX and then XXXX on XX/XX/XXXX. My actual payment is XXXX after 6 % tax on the lease. 

In XX/XX/XXXX a customer service rep said she couldn't take my payment over the phone and to pay on the XXXX XXXX  website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XX/XX/XXXX payment date. I called in to change my payment to the XXXX of the month back in XX/XX/XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XX/XX/XXXX after I got calls from XXXX saying I was late, then I paid XXXX, XX/XX/XXXX and called XXXX XXXX to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. XXXX allows you to change your payment due date during the lease. I called XXXX financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with XXXX XXXX and they are not my fault, they are XXXX XXXX error. My lease is done soon and this error will prevent me from leasing thru XXXX and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru XXXX but this is really unfair and wrong. Please assist 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 2019-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I still see some things on there that are not mine. I've contacted the FTC and my local police. Please remove these items from my credit. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit. There are also inquiries : XXXX, XXXX, XXXX/XXXX  XXXX, XXXX, XXXX, XXXX/XXXX  XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Please remove these items from my credit.

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 2019-07-18
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer has committed unaffair business practices and scheme, fraudently sale contract practice for car loan. I have made over {$10000.00} on the vehicle and a {$4000.00} deposit the company refuse to adjust the payment {$19000.00} has stay the exact same for 2 yrs as of XX/XX/XXXX not matter what substaniel payment are made they just don't change the balance current or late. They charge a hidden fee 18 % daily even after collecting {$440.00} amount and XXXX but will never change the balance no matter what payment are being made at all just a complete scam. Santander Consumer investors pool are greedy and doesn't have the best interest for the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Over 50 accounts open closed most UNOTHERISED Signature is forged on multiple loan documents NOTARY not athntic the total of 4 CA Acknowlegment Docs bogus includes traced and photocopied and deed of TRUST stamp not from county clerk 's office thousands of dollars in unexplainable payee unknown deposit transfers from lines of Cridet to checking withdrawal turns into a double withdrawal OVER OVER 400k in lines of credit and rolling mortgage loans Unotherised payments jump higher and higher loan number are replaced not to be confused with a refi, OVER 900k home loans payments lost, checking account numbers changing off by 1 ending diget, unauthorized tele transfer mutilable times, failed to return notary journal to county record. See PDF for details there more but I think that 'll be enough for now. Mutilable accounts hijacked ending in over 3 million in lost of business and savings also property before the scandal. Thank You for your help in this matter.

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have looked at my credit score and transunion and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your 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 2022-08-13
Company: EQUIFAX, INC.
State: PA
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 XXXX  Account # XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated My Right.. 

15 U.S.C 1681 secton 602 A. I Have The Right Privacy.

15 U.S.C 1681 secton 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..

15 U.S.C 166b A Creditor May Not Treat A Payment On A Credit Card Account Under An Open And Consumer Credit Plan As Late For Any Reason..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a traffic ticket back in XXXX, due to the person who owned the vehicle didn't the renew tabs on car. I didn't pay anything on it until XXXX. The collection agency, Alliance One, sent me a garnishment letter in the mail, 2 years after I made the payment. I told them that I lost my job due to Covid-19, and I was receiving unemployment benefits. They basically ignored what I said, and told me that If i didn't make payments each month, I would lose my license. I also make less then {$470.00} a week while on unemployment. Almost every time I call in to make a payment, I try to tell them that they are outside of their legal rights, and they can't charge me. They refuse to listen to me, and continue to charge me an amount that I can not afford right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. 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 2022-01-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX I requested a refund of a credit balance of {$430.00}. The person on the phone asked for my address, I gave her my address and she said that I would get the refund in about 30 days. I asked if it was going to be a Citi or a non-descript envelope and she said Citi. 
After the 30 days had passed I called again and was told that they were going to re-issue the check. When I gave her my address she indicated that they still had my old address on file. She corrected my address and told me to expect a non-descript envelope in 30 days. 
On XX/XX/XXXX I called about the status of my reimbursement. XXXX told me that it had been processed and that it should arrive by Thursday ( XX/XX/XXXX ). 
On XX/XX/XXXX I called about the status of my reimbursement and to speak to a supervisor. XXXX told me that a supervisor would call me in 24 hours. 
On XX/XX/XXXX I received a call from a Citi supervisor and she assured me that the payment was going to be reissued. She told me that she was going to find out if the check could be XXXX and that she was going to call me back to let me know. She never called back. 
On XX/XX/XXXX I called again and XXXX said that the payment was arriving that week. 
I have checked the mailbox every single day for months now and I have received no check. I get Citi 's junk mail just fine. Today is XX/XX/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 monetary relief
Consumer complaint received 2021-02-20
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have at least 8 retail credit cards with Synchrony Bank. Most there is no balance, I have used them in the past and paid them off. There are 4 with balances but two have been used often and paid off in full. In one day they closed all my accounts ... .when I contacted them they stated a high risk. It didn't make sense when I have always made my payments on time, and just recently opened a new account with them in less than a month. Reason the customer service representative stated was not valid for anything pertaining to me. Plus I have 4 that I regularly use and they closed them as well. I know this will have an impact on my credit. What is also puzzling is that they raised my credit limits in the fall of last year. There has to be something that can be done. This will hurt my debt ratio on my credit which in turn will affect my score. 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 2019-07-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought a phone from a guy on XXXX. I sent him the money on Wednesday XX/XX/XXXX through XXXX and he said he'll ship the phone on the upcoming Friday which was the XX/XX/XXXX. He told me he sent the phone and I asked him for the shipping information and he said he would give it to me. The next day I still didn't get the information and I texted and called over the next few days with no response. Today is XX/XX/XXXX and there's no sign of the phone or the guy I bought it from. It looks like I got scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is Fair Collection and Out. I have disputed the amount multiple times with no help. Recent dates include XX/XX/2021, XX/XX/2021 and today. I have spoken with two representatives on the phone and even left a message for a manager. I have informed this company that the paperwork submitted to them from the original debtor is false and they are still not willing to help me. The original debtor no longer exists. I am trying to get this taken off of my credit but they are basically telling me I have no choice but to pay it or leave it on my credit. I just want this problem resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went to school in XXXX Arizona at the XXXX XXXX XXXX ( XXXX ) and originally had my subsidized and unsubsidized direct student loans through XXXX XXXX before they transferred all federal student loans to Navient. Navient always gave me bad information. When I graduated I asked to have my loan payments reduced and all they offered was forbearance until I could afford the payments. They never told me about a payment plan until many years later when Obama extended payments to 25 years. That was all they offered me. When I asked about forgiveness they told me that I needed 120 payments before I was eligible for it. When I made the 120 payments, then they referred me to a website that said I needed to be in a Direct student loan program for 10 years or 120 payments before I could get forgiveness. For years they would never tell me how much my total student loan was for including the interest, then one day it appeared on their website in 2017 for the first time and now it is gone again. My total loan was $ XXXX, which is way more than the school tuition had started out as $ XXXX per year. Right now I owe about $ XXXX. XXXX received all the checks from the Federal government and kept on raising the price and applying applicable fees. Everytime I questioned the payments they would be talk in circles about the provider, servicer, handler, and other individuals that were to be paid by my loan. I kept feeling like they were robbing me blind, but always had some strange excuse for where the money was going, but never provided any detail to who was receiving all this money. Now I am stuck with this massive bill that could not get me a job with this XXXX XXXX XXXX and I am looking to retire next year with this big debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: AZ
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my XXXX score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "

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