BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Barton Creek Auto Credit  LLC
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 status incorrect

Complaint:
Barton Creek Auto d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem. 

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of Barton Creek Auto d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

Barton Creek Auto d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me .XXXX  cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a .XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

Barton Creek Auto d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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:
I am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.

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 2022-03-30
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {XXXX} - A fraudulent account was opened in my name at XXXX XXXX XXXX. 

Wellsfargo Bank, fraudulent account opened, XX/XX/XXXX- {$12000.00}.

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 2019-05-14
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a consolidated student load balance that was refinanced in early XXXX with Kentucky Higher Education Student Loan Corporation. I had made monthly automatic fixed amount EFT payments over the first year of the loan. In XX/XX/XXXX and again in XX/XX/XXXX I made extra one time payments through the KHESLC online payment system with the intent of accelerating the payback of the loan balance. In XX/XX/XXXX, I received an alert from my credit monitoring service that my student loan balance had increased. I logged into the KHESLC web portal to determine what caused my balance to increase, and was surprised to learn that now EFT payment had been made in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. 

I contacted KHESLC on XX/XX/XXXX. I was informed by XXXX that when you make a one time payment online, EFT is temporarily suspended and your due date is pushed out equivalent to the number of monthly payments the one time payment would have covered automatically. The only way to prevent that and continue with the scheduled EFT payments and make a one time payment is to either email or call into a servicing specialist first. I was informed I accepted this practice by signing up for EFT payments 14 months ago, and was also denied my request to have the payment I made back in XX/XX/XXXX and XX/XX/XXXX retroactively applied to the monthly statement balances and accrued interest credited. I also requested and was denied an escalation to a manager or supervisor to review. At no time during the online payment process was I made aware the one time payment would pause my monthly scheduled EFT payments, or given the option to choose whether or not I wished to pause or continue those payments. If desired, it would have been very easy for KHESLC to make me aware with a pop up or acknowledgement at the time of payment so I could take appropriate action to ensure my regularly scheduled EFT payments continued. 

I believe this to be a predatory lending tactic whereby KHESLC is able to increase accrued interest on the loan without the knowledge or intent of the borrower, in an effort to increase their profit. As a result I lost over {$300.00} of what should have been a payment on loan principle to interest. If not outright illegal, this practice is clearly unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: AR
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 informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items from my credit report. 

XXXX  XXXX XXXX {$180.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$790.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

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 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed 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 2020-02-10
Company: EQUIFAX, INC.
State: AR
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:
Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went through a divorce and I have a daughter that is totally XXXX. I was on time with my payments when I was put through a divorce. Now my interest and payments jumped up XXXX. Making it almost impossible to pay back. I am just now getting back on track where my check isn't garnished from marital debt that I was left with. I am getting ready to lose my job cause it is moving and closing. 

It is impossible for struggling people pay when the loan company Navient charges so much interest. If the interest was lowered and it was closer to the true amount I actually owe, I would be able to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # 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 2019-05-14
Company: EQUIFAX, INC.
State: UT
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've been trying to fix the spelling of my name on my Equifax profile to no avail. 

My home purchase is currently in jeopardy because of this : I'm probably going to miss my closing deadline and lose a lot of deposit money. 

I finally was able to send them a fax with verification of my identify ( SSN card + drivers license ), and then I had to call them multiple times to initiate a credit dispute, each time it took about an hour speaking with a person who barely speaks any XXXX I tried to do this online, but those functions are currently broken on Equifax website. I even tried to pay them $ XXXX to access my credit report online - and that doesn't work too, the registration wizard is broken. Specifically " Step 3 : Identity Verification '' page has XXXX failures which prevent it from loading ... 

With credit dispute open and after I confirmed my identity over the phone a number of times, it still will take them " up to 30 days '' to just fix the spelling of my name! This is outrageous, it's been a week and I haven't heard any updates. Their website function to verify a status of the case is broken too, so I'll have to call again to check - and waste another hour of MY LIFE talking to them. 

Naturally, I'm not the only one experiencing such problems : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Oh and I forgot : they also leaked everybody 's data all over the Internet in 2017. 

This company is a disgrace. It needs to go, broken apart, restricted, taken over by the government. 

Thank you XXXX XXXX for dreaming this agency up. I have a lot of respect for you, for challenging the status quo on so many issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: NY
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 am writing today because I am shock how poor attention and lack of investigation Experian, XXXX, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  The first error date open XXXX is reporting XX/XX/XXXX while Experian and XXXX is reporting XX/XX/XXXX. 

The second error close date XXXX is reporting XX/XX/XXXX while Experian and XXXX does not have a closing date. 

The third error account status XXXX and Experian is reporting closed while XXXX is reporting open. 

The fourth error payment status XXXX and XXXX is reporting current while Experian is reporting late 150 days The fifth error last payment XXXX  and Experian is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit XXXX and Experian is reporting {XXXX} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

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 2019-01-22
Company: Experian Information Solutions Inc.
State: TN
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:
Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.

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 2020-02-10
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was billing me for cable services fraudulently. I did not have any cable services through XXXX at my home residence. I had previously fought with them over these amounts and was actually told I would be getting a refund personally for all the monies I was automatically being charged every month for cable services that I did not have. After months of dealing with this i was told it was taken care of and removed after I showed them proof that i had XXXX services during the entire time in question. I had to actually forward them copies of my bills from XXXX which is did on XX/XX/XXXX. I was told at this point it would be taken care of and removed and for some reason it popped back up on my account in XX/XX/XXXX. I do not owe this company any money they actually owe me refunds for the monies i had paid them automatically out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 want remarks removed from my Transunion because they opened another investigation without my authorization. I asked for inaccurate & incorrect information to be removed from my credit after I physically showed them what was incorrect, this was a factual dispute based on the report that they supplied & I highlighted the many errors but Transunion continues to violate the FCRA while posting a remark on my credit that lowered my score 67 points

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 2019-05-14
Company: United Debt Counselors, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I got another threatening letter from UDC, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) telling me I owe money. I don't owe them any money because its 's a scam. I received a second letter the same day I received the threataning letter from UDC, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX-XXXX-XXXX-XXXX ) and they want to give me a loan for almost the exact amount of money I owe the other company. Please, stop UDC, LLC from sending threatening letters to people that don't owe them money. Also, shut down XXXX to keep them from pretending to save people from fake debt by giving them real debt. A scam like this can easily ruin the life of someone that can least afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Orions Management Group, LLC
State: TX
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  is allowing Orions Management to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and XXXX not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.

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 2021-11-27
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services did not respond to request to verify the debt owed. Did not send proof they can collect in my state. Did not provide full proof of the debt owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation