BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I entered into a contract with Prestige. On XX/XX/XXXX the vehicle involved in an accident. On XX/XX/XXXX, XXXX XXXX XXXX assumed responsibility for the accident. XXXX totaled the vehicle out under claim XXXX. On XX/XX/XXXX, I provided XXXX XXXX with information for my GAP and also contact information to cancel the warranty that was purchased for the vehicle. On XX/XX/XXXX I received an email from XXXX XXXX advising that they has released a check for Prestige and that they should receive it within 7 days. On XX/XX/XXXX, Prestige received a check from XXXX in the amount of {$16000.00}. They also received a check on XX/XX/XXXX in the amount of {$3100.00} from my GAP insurance. After the application of the Insurance payment from XXXX and the payment from GAP, that left a balance of {$1300.00}. On XX/XX/XXXX, I began receiving emails from XXXX XXXX at Prestige. I again informed XXXX that a claim had been submitted to cancel the extended warranty and those funds would be coming from the auto dealer and that it would cover the balance. After going back and forth with the XXXX XXXX XXXX and Prestige, I contacted the extended warranty company myself on In late XX/XX/XXXX and submitted the claim that both claimed to have made. The claim was approved and payment was refunded to the XXXX on XX/XX/XXXX in the amount of {$1300.00}. XXXX XXXX XXXX did not send the payment to Prestige until XX/XX/XXXX. During this time, Prestige began charging me interest on monies that was confirmed to be refunded. Once the refund from the dealer was applied, the balance on this account was {$10.00}. I never received a bill for the balance of {$10.00}. Prestige submitted to the Credit Bureaus, stating that the account was charged off and had no history of on time payments which has hurt my credit. They have also reported that the balance is {$180.00} which includes the balance of {$10.00}, interest in the amount of {$150.00} and fees in the amount of {$18.00}. On my XXXX  credit report it shows that this account was closed on XX/XX/XXXX which is before I even had this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. I'm looking forward for the immediate deletion of this account. 
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 2020-11-28
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:
On XX/XX/XXXX I spoke with transunion, XXXX  XXXX XXXX  to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX  XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to transunuon and XXXX and then A sudden charge off in XXXX of XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX  to be XX/XX/XXXX which is 3 months PRIOR to reporting this to transunion. This shows the inaccuracies reported across the three consumer reporting agencies. XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!

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 2020-11-28
Company: Experian Information Solutions Inc.
State: MD
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 had an account with XXXX XXXX XXXX which was closed in XXXX. However, Experian allowed them fraudulently to update information on my account and report a late payment that never occurred. 

I filed a complaint with Experian informing them that XXXX XXXX re-aged the account. The account was closed in XXXX and there were no late payments or activity on the account the information was incorrect. They sent me an email on XX/XX/XXXX stated that they fixed the problem but the fraudulent and re-aged information still remained on my account. 

Say the statute of limitations is 3 years in Maryland, and the debt is over 4 years old, with no account activity in the last 4 years, and the statute of limitations has passed, but the debt is still listed on my credit report and should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$6000.00} using my XXXX XXXX XXXX online bill pay to an American Express card number that does not exist ( my error ). Instead of returning the funds to my bank, the funds just disappeared - no notification was sent by AmEx. I called AmEx and was told they would " start an investigation '' - do n't know what there is to investigate - the investigation reference given to me is : XXXX. It 's now been 20 days since the event. My last conversation, three-way with AmEx, XXXX  XXXX XXXX, and me ended with " this is our process ''. On that call XXXX XXXX XXXX provided all proof of payment and all payee information to no avail. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: VA
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:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX always disguise their name to try and confuse people. This time it is XXXX XXXX XXXX XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

XXXX XXXX XXXX XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.

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 2023-02-19
Company: Courtesy Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I don't remember the date but I checked my mail one day and there was a check to deposit from Curteosy finance in XXXX, Ga on XXXX XXXX. It was for XXXX. I had not put in for a loan at this company. Why the sent me check maybe bc my credit score was good then and in the past before I had put in for loans. Well I deposited the check into my XXXX XXXX account. Then a week later I get this this book and it's payments, intrest rates high intrest rates, and I wasn't sick then so I did start paying. Well when I was diagnosed with stage XXXX XXXX put on XXXX at that time XXXX a month. They call me and cuss me out and I mean one lady called me a very bad word. They completely harassed me & even came here to my house after calling from different numbers to get me to answer. I reported this to there boss nothing was done. His name was XXXX the lady that called me a curse word idk her name. Well I explained the situation and they wouldn't even work w me at all. Well I called my attorney and he says that it's AGAINST THE LAW TO SEND A CHECK IN MAIL TO ANYONE THAT DOES NOT APPLY FOR IT. So I'm counting on you guys to help me now.

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 2021-03-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I received an opportunity from US bank to do a 0 % balance transfer with a promotion apr until XX/XX/XXXX. I already had the US Bank credit card and had a {$2800.00} balance with a 0 % apr until XX/XX/XXXX. Prior to initiating the balance transfer, I contacted US Bank to confirm that if I did a balance transfer that all payments would first be applied to the older balance ( {$2800.00} ) with the 0 % apr that was expiring XX/XX/XXXX. I was guaranteed that this was correct and all payments would first go to the older balance. In XX/XX/XXXX I made a {$2000.00} payment, expecting that the payment would go to my old balance before the balance transfer and that did not happen. I contacted US Bank this morning and was told that although the payment should have been applied to my old balance, their computers are set up in such a way that the payment first goes to my balance transfer amount rather than what I was previously told. I would not have made a balance transfer until I paid off the {$2800.00} had I known this would happen. Now IS bank tells me that there is nothing that can be done to remedy this problem, despite acknowledging that the payment was incorrectly applied. I was told I would have to wait until XX/XX/XXXX when the apr increase to 23 % and then my payments would go to the balance with the higher apr. US bank defrauded me and probably other consumers by incorrectly applying payments in order for promotional aprs to expire in order to collect high interest rates.

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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 XXXX, has violated my rights. 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 2022-09-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Account Number : XXXX I recently disputed a item on my credit report. I asked the credit bureaus to verify the account and do a full and proper investigation. However they wrote back and said the account was accurate and they did a proper investigation and closed the account. However after doing my research I found inaccurate information. Which leads me to believe there was no proper investigation done. 

In accordance with fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have a rights 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 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 2017-12-19
Company: Turner Acceptance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CORELOGIC 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:
these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.

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 2023-02-22
Company: Viking Client Services
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I picked up a car at XXXX XXXX XXXX in XXXX XXXX XXXX and returned the car on XX/XX/2022. 

When I rented, the staff told me gasoline is cheaper than outside, so I told him if it is true, I would bring without filling up tank. However, it was not true. Therefore, just before I returned the rental car, I filled up gasoline ; however, they charged me. So, I disputed to my bank with the fuel receipt. This is the final decision letter from my bank : " This letter concerns the transaction described below made with card number XXXX  : Date Amount Description XX/XX/2022 {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX FL The dispute has been resolved in your favor and the conditional credit issued previously to your account is now a permanent credit. '' When I made contract with XXXX XXXX, total rental price was {$250.00}, but XXXX added {$66.00} by regarding the car as having empty tank, total {$320.00}. Since I proved with fuel receipt, bank finally refunded {$66.00} to me. 

Recently, XXXX XXXX XXXX asked Viking Client Services, a debt collector, to collect {$66.00} and I had to respond to them. Because of XXXX XXXX XXXXl, I am spending lot of time to resolve it. Moreover, I am receiving a letter even from a debt collector. 

I appreciate your great help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Bread Financial 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:
On XXXX XXXXi sent XXXX XXXX a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both XXXX and XXXX bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with XXXX nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when XXXX claims it serviced my account. I have zero obligatins to XXXX and both companies are attempting to collect as I have letters from both XXXX and XXXX seperately. XXXX was intermingling regular XXXX and charging me cash advances for transfers of my own money not separating a store credit and regular XXXX. They also werent applying credit to a special financing perchase for months until it was nearly expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated XXXX XXXX University in XXXX of XXXX. From that time I have been very aggressive with paying off my student loans. I have paid off roughly 1/2 of the principal balance as of today. As of XX/XX/XXXX, I began attending XXXX XXXX University to peruse a graduate level degree. On XX/XX/XXXX, I received an email stating that " Your request for a deferment has been approved ''. I had never requested a deferment for my payments as my graduate degree is sponsored by my employer and I am not taking out any student loans for it. I was able to contact Great Lakes and suspend the deferment. With this process, the next required payment for my student loans was changed from the year XXXX to XXXX of XXXX. My complaint is that two months after returning to school a deferment was made without my consent. Documentation was then falsified to appear as if I was the one who had requested this. Great Lakes falsification of my request has reset the timer on when my next payment was due by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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