BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
the loan amount was trippled then they repo the car put a high fee on me then have me in dept keep reporting negative items on 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 non-monetary relief
Consumer complaint received 2022-02-04
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:
According to section 609 of the FCRA Equifax must provide me with the original consumer contract with my signature on it to proof that account XXXX XXXX # XXXX is actually mine if they can not provide me with the requested document mention above they must delete this account. Also attach to this dispute I am providing you with copy of ID and SS Card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: DHI Mortgage Company
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the process of speaking to the sells person at XXXX. XXXX XXXX XXXX XXXX in XXXX XXXX Louisiana, I was referred to DHI Mortgage XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I was approved for my home to be built in XX/XX/2018, we have had several appointments throughout the build and now my home is almost completed. 

in meeting with DHI Mortgage my lender, I wasn't given the initial loan estimate after the contract was executed in XX/XX/XXXX, Their was a property address issued at the time. I spoke with another lender who reviewed my credit in XX/XX/2018 and based off of my self and my wife 's income we were never able to qualify for a loan in the amount of {$230000.00} which is the amount of my purchase agreement for this loan. 
I feel like fraud was committed against us, because accurate information was not given, DHI Mortgage ran my credit multiple times, hurting my score and I was never given any domination other than the contract to purchase and some type of XXXX XXXX XXXX XXXX XXXX. I never received any information on what my estimated monthly payments would be and the amount of cash needed to close. I found out from another lender that my payments would be well over {$1200.00} per month which is what I am comfortable with. I think that was considered unfair practices, I never signed my initial loan application with loan estimate disclosure with DHI Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid my XXXX credit card bill on XX/XX/2021, via my online banking account with Bank XXXX XXXX. It was {$140.00}. JCrew claims they never received payment. I sent to JCrew proof of payment from XXXX  XXXX XXXX showing that the funds from my checking account were electronically transferred to JCrew on XX/XX/2021. They have that document. Despite that proof, XXXX continues to claim the bill was unpaid. I now have a bill in excess of {$810.00}. Anything above the {$140.00} represents interest and fines. 

My credit score is being damaged. And I am accruing more and more debt. XXXX refuses to acknowledge payment but offered to settle the matter today for {$490.00} which is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Auto Trakk, LLC
State: DE
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:
XX/XX/2023 its reporting a charge off/collections when the lease was paid off to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my XXXX  report today and there is a company named Sunrise Credit Services out of XXXX New York which reported this XX/XX/XXXX for {$4900.00}. First off, I have not ever heard from this company about any alleged debt for this XXXX XXXX. I am currently in good standing with the Department of Education paying back my student loans for the schools I attended. I also have the Department of Education looking into this. Second, I have NOT received any correspondence from this company by mail nor have they contacted me by phone. The question is what name and address did Sunrise Credit Services send this information to and when? I know for a fact that this company did not notify me because my last name is changed. I've been married since XX/XX/XXXX and recently moved back to Texas in XX/XX/XXXX. I am disputing this negative charge on my report. It is so disheartened that companies can continue to place negative information on someone's credit report with out giving the consumer a chance to dispute. I do not owe this alleged debt nor do I wish to work with this Sunrise Credit Services because they are doing fraudulent business for something I do not know anything about nor owe. I have disputed this with XXXX as well and will being sending a dispute letter the company today via certified mail. I am requesting that this negative and inaccurate information be removed from all three credit reporting agencies at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Cascade Capital, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. 
I visited XXXX XXXX XXXX XXXX on XX/XX/2015 to get XXXX on my XXXX in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, XXXX XXXX XXXX from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
A month after I purchased the car my radio screen went out as well as my battery, not even two months after I had to buy a new set of tires and now at almost a year of my loan my car is having more and more problems!! The problems after the first month were addressed at that point and time and the dealership advised there was nothing they can do and they would not let me out of the car, the sales man that sold me the car quit along with most of the staff involved. Im now stuck in this car that has less that half the value Im paying for it XXXX XXXX In XXXX, AR

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 2018-02-07
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:
Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXXXXXX XXXX groceries stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXXXXXX XXXX  franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX Dinners thru out the XXXX XXXX XXXX resterant stops diner menus

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 2021-12-29
Company: Colony Brands, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received credit card bill in the amount of {$190.00}. 

I never applied for credit from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On approximately XX/XX/XXXX, I was on my home computer and found, in the deleted e-mails, a bill for {$260.00} from Home Depot / Citibank. I knew that I had not charged this bill so I contacted Home Depot customer service. I requested that any and all bills should be mailed to my home address and not sent to my e-mail, which may not be working properly. On XX/XX/XXXX, I received a Home Depot bill for {$19.00} dated XX/XX/XXXX which I recognize as being made by me. That was the first time I had received this bill from Home Depot / Citibank. I paid the bill for {$19.00} immediately on XX/XX/XXXX, check # XXXX. I understand, from someone in XXXX whom I was directed to call to review this account, that the check was received by Home Depot / Citibank. The {$260.00} was the combined principal, interest and fines which  included the {$19.00}. 
On XX/XX/XXXX, I received a letter from Home Depot credit service saying that I was " responsible for the remaining charges ''. Home Depot / Citibank holds me responsible for charges that I never received, not by e-mail, not by regular mail and not by phone. I never received any bill in the mail or by e-mail until XX/XX/XXXX. 
I pay my bills, always and by the statement due date! I never have outstanding charges on my credit cards! I was also never informed of accumulating charges based upon the initial amount of {$19.00}. I have made a monumental effort to resolve this matter. I have spoken to many people from Citibank, Home Depot and people in XXXX, who are extremely difficult to understand. I was told to send a fax to Citibank concerning this problem. As of my last phone call on XX/XX/XXXX, Citibank has insisted that I pay the full amount of {$240.00} which is accumulated late fees and finance charges, which I paid by check today to avoid potential damages to my credit. 
The above information was faxed to Citibank  Internal Recovery,  Attention : IRU Dispute Dept. Re : Account # XXXX. They sent me a letter dated XX/XX/XXXX indicating that they required more information with a request for me to contact them. Again, when I called, I was speaking to someone in XXXX who was not cooperative and difficult to understand. Again, I got nowhere and was forced to pay the bill.

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 2023-07-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurgent Debt Collection and XXXX XXXX credit card-is reporting the same debt that was filed in bankruptcy and it was discharged. They are reporting that the debt is owed. They are reporting the same amount as well as the original creditor on my credit report. I am getting hit with a double negative because both are reporting the same debt. 

When I disputed the debts on my credit reports, all have updated the information as correct when it is incorrect and not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus Equifax, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: NJ
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:
was checking out a car and got couple hard inquires XXXX XXXXXXXX XXXX and, 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 2020-01-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I sent detailed complaint letter to CFPB on XX/XX/XXXX and again on XX/XX/XXXX detailing along with my Certificate of Deposit ( COPY ) that USAA Absorbed my. CD held as Collateral in the event I did not pay the balance the Full Balance Due on the use of a Secure Credit Card. I Paid all of the Owed Balance my Credit Score did not fluctuate on the basics of me not paying USAA back on my use of the Credit Card and When I Said Close the Card Account and return my Over XXXX CD back to me USAA Did not Comply with my request and I still have the Certificate ( COPY ) sent to ( CFPB ) ON XX/XX/XXXX. With an address in XXXX XXXX of USAA Savings Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX Date of Notice about the same before time on and of my request to Close use of the CD from XX/XX/XXXX to XX/XX/XXXX this is now XX/XX/XXXX. XXXX XXXX issue date XX/XX/XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX my Phone XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 I received a voicemail from XXXX XXXX saying he is calling from law firm of Weltman , Weinberg & Reis Co., LPA & that there is a pending lawsuit waiting. I called back to discuss what the lawsuit is about. He told me that my previous company sent my account to them to get the remaining balance on my pre-employment bonus. He told me to work out a payment otherwise theyll be going to court to get a judgement & garnish my wages & that payment would be bigger if approved by court. I discussed a payment plan with him. He said he would get back to me. He called me back on Monday XX/XX/2018 & left a voicemail about the payment plan. I was working that day & could not get back to him. I also received a letter in the mail from them dated XX/XX/2018 from attorney XXXX XXXX XXXX saying Ive 14 days from the date of the letter to respond. When I got to my apartment I did some research & found several complaints about this company & a lawsuit about falysfying information so I wanted to contact my previous company to make sure this is a legit company & theyre also dealing with them. I left a voicemail with my previous company on Tuesday & did not hear back from them. I called my previous company back again on Wednesday & was able to talk to person in charge of accounts & she told me that theyre dealing with this company & I should further talk with them to resolve the issue. Today on XX/XX/2018 XXXX XXXX called & I was unavailable & could not answer my phone. On the voicemail he was threatening to call my current employer. I called him back later on that day & told him why I hadnt called back & to stop threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Porsche Financial Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: TN
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 recently noticed an inquiry on my credit profile from Equifax Mortgage Company. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
first of all LVNV FUNDING LLC CURRENT CREDITOR. ORIGINAL CREDITOR XXXX XXXX XXXX XXXX I WAS SENT SEVERAL LETTERS FROM XXXX XXXX. THIS DEBT HAS NOT BEEN PROPERLY VALIDATED AS I SENT SEVERAL CERTIFIED MAIL AND A RETURN RECEIPT FOR THE DEBT TO BE VALIDATED. THIS COLLECTION AGENCY CONTINUES TO SEND ME A DEBT LETTER ON A REGULAR BASIS. I DISPUTED THE DEBT AND ASKED FOR A VALIDATION OF THE DEBT.

LVNV FUNDING HAVE REPORTED THIS DEBT TO XXXX  AND THE OTHER CREDIT BUREAUS. THE LETTER ARE REPORTING THE WRONG ORIGINAL DATE.

I UPLOADED SEVERAL PROFF OF CERTIFIED MAIL AND RETURN RECEIPTS AND MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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 have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit

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 2021-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IAM A VICTIM OF IDENTITY THEFT, PLEASE INVESTIGATE AND REMOVE FROM MY REPORT. 30 DAYS HAS PASSED. 

XXXX XXXX ACCT # XXXX RECEIPTS SLIPS 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 2018-07-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
American Educational Services is now telling me that I can't lower my payments for this Private Loan. It is saying I'm not eligible to do so. I have been calling over and over since XX/XX/XXXX. I can't get hardship, forbearance I can't get anything. The problem with this one they are saying this payment is the lowest of XXXX. I have only paid XXXX in XX/XX/XXXX and XX/XX/XXXX on this loan. There is no other way with my husband on XXXX and I only work for XXXX per hour it's not going to work and still be able to eat. 

The problem is with calls all the time from XXXX XXXX  who is the lender, they are the worse in harassment to me and my mom who is XXXX years old and now I don't have that career job I was promised 10 years ago. I went back to school after loosing my business in XX/XX/XXXX and thought for sure I would get a good job by now, it's not happening. Not in our area. With the subprime housing market in XX/XX/XXXX and XXXX going out in our area it's forced alot of us baby boomers back to college trying to get a good job, but no jobs however we are still facing another hardship with college debt. 

XXXX XXXX keeps threatening to ruin my credit, my mother 's credit and they also say they will garnish my wages and my mom 's Social Security. I just can't believe they don't work with me on this. They call over and over again, writing letters and now I only have about 10 days they say before this all starts. Please please help!

Company response to consumer: Closed with explanation