BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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 2021-01-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every single day I am spammed with at least 15 phone calls a day from this number including unknown callers. It is non stop and its all over a {$300.00} balance. Please stop it. I work sales and can't have my phone going off every 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: American First Finance, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid well over the amount advertised. They took XXXX dollars out of my bank account every week for a long time after I realized I've paid more then what I should have I cancel the bank account. I wrote to them explaining that I've overpaid they then told me I agreed to pay interest which I never did and asked them to stop reporting negative false information. They closed the account then reopened and tried to take money out of my bank multiple times. I've tried to ask them to provide me with a valid signature from me agreeing to pay interest. The claim I owed XXXX dollars the within 2 months it's over XXXX that's pure insanity.i would please like this dispute to be open so that potential landlords can see I have disputed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
i contacted Santander Consumer USA first either XXXX or XXXX week of XXXX and conveyed that my daughter had a severe medical condition that required emergency intervention. She currently is uninsured so i helped with those expenses that were close to XXXX XXXX I had given them an arrangement that i was not positive i could keep yet they still notated the account. Due to these expenses we fell behind on everything. My daughter was misdiagnosed XXXX times and has only started feeling better XXXX last XXXX weeks. end of XXXX i called again to discuss missing payments and what kind of help they can actually offer other than just notating the account, which is all they ever did by the way.. Currently we have defaulted on XXXX payments and we do not qualify for any assistance because we are too new. We havent been established enough with the company so our hardship means nothing. I have explained that yes i can afford to pay the loan, that doesnt mean i have an extra XXXX lying around to catch up. I received a right to cure letter stating i had until the XXXX of this month to settle the debt so i contacted them to let them know the best i could do is pay them XXXX month today. Then another month in 14 days and then another payment on the XXXX of XXXX. I was told that was fine. I scheduled my first of XXXX payments yesterday as promised and they deleted payment and didnt credit my account. Theyre now refusing to help and refusing payments. Worst company i have ever dealt with and if i had read reviews beforehand, id never have said yes to this loan but we need this car and im getting a run around and i dont trust them. I dont even know if anyone can help me but if you can please try. Much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact 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 explanation
Consumer complaint received 2020-07-23
Company: SUN WEST MORTGAGE COMPANY, INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My Issue with the Company Sun West as a whole is the constant lack of professional work ethics and inability to deliver on practical and basic services. I am trying to purchase a real estate property which Sun West is the " lender ''. The issue is after countless phone calls and documents the company can not provided me with an adequate reason as to what is holding up the whole transaction to be able to close on the property. Furthermore, after a minimal two extensions granted by the seller and even then I have yet to fully understand why I am unable to close on the property. The seller might even walk away soon due to the lack of transparency from Sun West the " Lender '' and lack of being able to accomplish a set closing date for the property. I have called corporate multiple times already throughout the process to only be shuffled from one unaware superior of my " loan officer '' to another. The people I  voice my issues with have stated that they will handle the situation and call me back to inform me of the resolution. Unfortunately not one of those superiors has yet to contact me back to todays date. I also have my real estate attorney and realtor as a witness to all the shenanigans. I am a first time home buyer and the process has been a total nightmare ; in which I do not feel like a valued customer nor, do I feel like this is fair treatment of anyone. I am in utter shock that a company of this magnitude is not under a fine microscope of the " CFPB ''. I spoke with my attorney and realtor before submitting this complaint and they both assured me that my current experience is not in any way, shape, or form a representation of how the home buying process really works.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove 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 2020-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX  Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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 received a copy of my credit report because i am looking to purchase a house and noticed I have fraudulent accounts. this is stopping me from obtaining 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 explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this!! 

The accounts listed here need to be DELETED IMMEDIAYELY. 

Account name : 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 2023-04-18
Company: PREFERRED CREDIT INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
a week ago ( XX/XX/2023 ) a XXXX salesperson came to my house and i politely declined at the door but was basically forced in to letting her in to give me a demo. i told her i had to go to XXXX and she told me " i'll be done before XXXX closes '' she was at my home for FIVE hours. i told her i wasn't interested because i couldnt afford it due to me being a XXXX XXXX XXXX taking care of my XXXX XXXX XXXX brother. she insisted and would not take no for an answer, i was scared for me safety as she was in my home and then called her boss into my home as well. she told me her boss could get me a lower down payment of {$21.00} and brought him into to quote me and give me paper work. i continuously said no but i eventually gave in because she told me i had 30 days to cancel and return and she was growing more impatient and agitated. my mom was XXXX they ran my credit and i told her i was planning on canceling. i call today and they tell me i only had 3 DAYS to cancel my contract. its been a week. i cant afford {$79.00} a month, i dont have a job and if i dont pay them my credit score is XXXX she scammed and manipulate me into not only taking out a line of credit but getting this stupid vacuum! i really cant afford this and no one is helping or answering the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX XXXX {$1200.00} XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid 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 2020-05-07
Company: EQUIFAX, 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 information incorrect

Complaint:
My XXXX XXXX XXXX  accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Ready Capital Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A XXXX  removal request was made in XXXX and XXXX. The company keeps indicating that we have made late payments and we have not. We finally got a hold of someone and they sent an appraiser out to our home in XX/XX/XXXX. The appraiser indicated that the appraisal would take 2 weeks. It's been almost 3 months and no one at GMFS can give us a response and they can not find an appraisal.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has violated my right to privacy and was never given consent to furnish or create a report using my nonpublic personal information. 
Because of the relationship that Experian has with financial institutions, they fall under having to abide by the codes that congress has set for financial institutions as well, title XXXX chapter XXXX. Pursuant to 15 USC 6827 ( 4 ) ( A ), The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution, Experian is operating as a financial institution based off of the relationship that they have with financial institutions. 
Experian has failed at assuming the grave responsibilities of fairness, impartiality and respect for the consumers right to privacy, pursuant 15 USC 1681, congressional findings. Experian did not have permissible purpose, 15 USC 1681B, to furnish or create a report using my nonpublic personal information, 15 USC 6821.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On Saturday XX/XX/XXXX, received via mail, PA ( Pennsylvannia ) Visa US BANK Reliacard. Called company to report fraud, as we knew this was not ours. Wait time to report fraud 6 hours. Called again and automated phone system said, over {$10000.00} was on this card. It appears to be an unemployment, COVID 19, or some kind of GOVERNMENT FUNDS. Called out of desperation XXXX XXXX   XXXX, and reported card. They did not want to cancel the card, but gave me another # to US BANK ... .but I insisted they kill this card. They did. Still say I need to report to US BANK ... ..the best wait time so far was 2 hours. I'm sorry but I have XXXX parent, and CAN NOT do this. Did call repeatedly, and finally put in the account # 's on automation line, and it identified owner of account ... '' .NEBRASKA ??? INMATE '' ... ..a prisoner???? So my identity is stolen. I have put freezes on credit ... .with one company asking for it by mail. I discovered another amount of over {$2000.00} on my credit, ( XXXX cell phone ) and I have a very high credit score, and this is not my bill. I have never owned a XXXX Cell phone. Have also contacted XXXX, but says I have to prove that it is not me. The " XXXX '' in my name is not the same. I have contacted my credit union to change all my account numbers. I am scared to death.

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 2023-04-22
Company: Experian Information Solutions 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:
I have found inaccuracies on my consumer report that are affecting my ability to obtain credit and it has become very detrimental to my life. 

XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX  # XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX ) XXXX ) In accordance to XXXXhe Fair Consumer Reporting Act the above accounts have violated my rights.

I have contacted the 3 consumer bureaus about these inaccuracies and no changes have been made and this is affecting my consumer report. I did my own research and according to consumer law : 15USC 1681 section 602 A. -states I have the right to privacy 15 USC 1681s-2 ( A ) ( 1 ) - states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 604 A section 2 - states, A consumer reporting agency can not furnish an accurate without my written instructions.

The inaccuracies include dates open, dates closed, 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 2022-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS LOAN IS PAYOFF AND IT IS STILL SHOWING CREDIT REPORT THAT I OWN THIS IS NOT TRUE I WILL LIKE IT CORRECT ASAP AND REMOVE FROM MY CREDIT REPORT.

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