BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: SunTx Capital Partners
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I applied for commercial credit..I was approved. Gave a deposit from my business account..when I got there it was a bait and switch.. 
FreedomTruckFinance and myself have been in disputes for about 2.5 years. 
I feel this account was fraudulent from the beginning. They never communicated properly. They repossessed a XXXX XXXX XXXX  reefer trailer and sold it for XXXX XXXX. They never sent me any paperwork. The refuse to this day to provide me any information. 
XXXX has apparently closed its financial doors as it already received financial assistance from the government due to XXXX and has just a few people trying to recollect old debt and still reporting as debt owed. I believe this company it fraudulent and has had back door deals with someone to purchase repossessed items fir pennies on a dollar. If this can't be resolved here I will seek to file a class action law suit. Thus company is working fraudulently in my eyes.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Trans World Systems Inc has reported the same debt 3 times to my XXXX credit report once on XX/XX/2022 and then 2 more times on XX/XX/2022 for a {$120.00} balance. 

They have not provided me with any notice of the collection efforts or a way to request validation of the debt. In fact they have not communicated with me at all and I only learned of the debt through XXXX XXXX XXXX XXXX feature. 

This is extremely unfair and unethical. I want these accounts removed from my credit report as reporting the same debt multiple times is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX I received a hard inquiry from XXXX that I didn't request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: Nationwide Credit Corporation
State: VA
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:
On XXXX-16 I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with coverage under the Department Of Veterans Affairs. XXXX XXXX XXXX failed to file a cliam with the Department of Veterans Affairs within the 90 time limit requirement prescribed by law XXXX. Instead they instructed their agent Nationwide Credit Corporation to pursue collection activities against me in the amount of {$210.00}. I have attempted to resolve this matter with the companies to no avail. Their actions have resulted in inacurrate and negative information in my credit report affecting my credit score, insurance rates etc.

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 2018-10-10
Company: Big Picture Loans, LLC
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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: Information belongs to someone else

Complaint:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 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 Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX/XXXX   XXXX Dept of Ed : 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 explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX  XXXX  XXXX  when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX  XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX  XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/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 explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my right. 15 U.S. C 1681 section 602 A. STATES I have the right to privacy. 15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've never filed for bankruptcy in my life!!! This is not mine and it's preventing me from acquiring credit and everything else. Please remove!!

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 2019-10-31
Company: KEYCORP
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I started with KeyBank for a personal loan and they keep changing what they were going to do for me. The loan process took over four months to get and that was because I was on the phone every day with them. They would not tell me when they need paperwork and kept delaying the loan. The loan was finally finished after causing great hardship on paying on some of the debt that was being consolidated. Then when I thought everything was done, checks were returned because KeyBank mailed the check to the wrong address. Took them almost 2 months to do something about the check going to the correct address and that is only because I called and provided the correct address. XXXX in the corporate office was useless and told me that nobody was above him within KeyBank to talk with. I spend weeks, days and hours doing the work for all the KeyBank employees that I was dealing with. Now that the loan is set, I paid a {$1000.00} payment in XX/XX/2019 to go directly onto the principal of the loan. I have now found out that KeyBank has suspended that payment and using that payment as my monthly payment. I was told that this is not legal to hold payment in suspense. I was also told that if I make any extra payments on this account for the principal that will be held for the regular payment. I was told that payment will be pulled on the XXXX of every month and I can make any extra payments that I want and now that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act, this creditor has violated my rights under " 15USC1681 Section 602 '' states that I have the right to privacy.

" 15USC1681 Section 604A, Section 2 '' it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under " 15USC 1666B '' a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-18
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
FREEDOM MORTGAGE IS ACTING WITHOUT AUTHORUTY. THEY IN XXXX  LOST THEIR BUSINESS TO A COURT ORDER WHERE THE XXXX  AND XXXX SUED THEM AND ALL CORPORATIONS. THEY ARE NOW CONSIDERED DEAD, A CORPSE, WITHOUT ANY RIGHTS BY LAW TO BE A MORTGAGE LOAN CORPORATION. THEY HAVE NO RIGHTS TO BE IN OPERATION IN THIS COUNTRY SINCE XXXX XXXX. SO ALL BUSINESS ENTERED INTO AS THIS ISCORPORATION NULL AND VOID. AS THEY ARE NULL AND VOID. THEY DO NOT LEGALLY EXIST ANYMORE SINCE XXXX XXXX. THEREFORE, WHY ARE THEY STILL BEING ALLOWED TO XXXX PEOPLE OF THEIR HOMES. THEY CAN NOT BE ALLOWED TO DO BUSINESS IN THIS COUNTRY OR ABROAD FOR THAT MATTER... PLEASE ENFORCE THE LAW ... STOP THEM...

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 2018-03-29
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EQUIFAX consistently fails to list my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX credit account onto my EQUIFAX credit report. EQUIFAX non compliance with the creditor lowers my credit score. I have reapetedly contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX card program to complain about this and the Creditor has assured me that they have consistently reported my XXXX XXXX XXXX XXXX XXXX XXXX XXXX card credit account to EQUIFAX. EQUIFAX has failed to comply with the creditors request. I plea for immediate relief from EQUIFAX illegal unfair pattern and practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
From XXXX XXXX XX/XX/XXXX I was a victim of identity theft ; Because a mail came in that said my taxes were ready to collect and id never do taxes i was XXXX. I am now XXXX and i cant open any banks and all my background checks fail. I know it was fraud for sure because i get so many messages on my cell phone about someone named XXXX XXXX. I see that name everywhere now and it's using my credit and social security. Please i want to know how to get my credit back to normal.

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 2019-04-03
Company: General Motors Financial Company, Inc.
State: NY
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 do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$520.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-02-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Due to the recent Wells Fargo settlement of XXXX, I believe I am entitled to compensation due to the terms outlined. I was a Wells Fargo Banking Customer from XXXX, the time in which the settlement says Wells Fargo harmed its consumers with illegal activities. I have not been contacted about my involvement with the settlement as of yet, which was required. I have cause to believe that I am eligible to be compensated from this settlement, and would request communication of that.

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 2021-03-17
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I have a number of accounts with Synchrony. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.

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 2018-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc #  XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CHARLES SCHWAB CORPORATION, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I received a bill for {$13000.00} from XXXX XXXX due XX/XX/2023. On XX/XX/2023 I submited to Charles Schwab bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 XXXX XXXX cashed the check charging me {$340.00} in interest + {$29.00} fee. 

In talking with XXXX XXXX they state they cash checks on the day they receive them so they are not responsible. 

In talking with Charles Schwab they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. Charles Schwab states they are not responsible because they mailed the check in plenty of time to get to XXXX XXXX. 

I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. I requested from Schwab to pay XXXX XXXX in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did XXXX XXXX misplace the check and cash it late or did Schwab send the check late.

Company response to consumer: Closed with explanation