BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: VW Credit
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Saturday XX/XX/XXXX, I signed an agreement to purchase a used XXXX XXXX XXXX at a purchase price of {$10000.00}, with a rebate of {$2700.00}, plus a down payment of {$400.00} which would make a balance to be financed of {$7600.00}. I received my first payment invoice on Thursday, XX/XX/XXXX, indicating my first payment of {$350.00} would be due on XX/XX/XXXX. After reading further I noticed a balance of {$13000.00}. I never received a copy of the Retail installment contract and security agreement. I recall being told that the purchase amount would be financed at XXXX percent for 36 months. After reading that {$13000.00}, as the balance, I further learned that {$350.00} was for 72 months, not 36. I would not have agreed to that. I would be paying over {$25000.00} for this vehicle. I can't seem to get anything done with the dealership or Volkswagen credit. Please help me resolve this matter. I'm not paying {$350.00} for 6 years. 36 months is reasonable. Please assist me in getting this straightened out before my first payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent validation letter to validate the debt. Have not recieved anything cept it was valid with no kida proof. Futhermore. Will take legal actions if not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was told by both Transunion and XXXX Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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 2022-01-11
Company: Bread Financial 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: Account status incorrect

Complaint:
Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I sent them a message from my XXXX XXXX XXXX account letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. 
closed my account and I'm now on a payment plan to pay off my balance. 
I haven't missed any payment. Before the pandemic I always made my payments on time as well. My account number is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because XXXXXXXX XXXX XXXXXXXX derogatory information is affecting my credit score. 
Please call me if you have any questions XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was cut off my credit cards and was reported my capital one that I was deceased so wasnt able to do anything with my account for years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
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:
I have had multiple inquiries ran on XX/XX/XXXX from a car dealership called in XXXX XXXX XXXX California. The dealership has been reported to the FTC as well as a police report. The creditor of the vehicle says the social associated with the vehicle is not mine, yet my social was the one listed and used at the dealership to obtain the hard inquiries that qualified the said person XXXX XXXX XXXX for a loan. My name is XXXX XXXX XXXX. It is believed that my husband with the same estranged name first and last applied for the loan using my social security number and Experian believes it is my account info when it is not. XXXX XXXX over the phone has refused to send me a letter that I am not responsible for the loan but stated it is not mine and that they can not send me proof of the mistake for the credit bureau. The detective in new jersey, XXXX is supposed to contact the dealer. The dealer who ran these inquiries in XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX The phone number where the seller who is believed to have ran my social in a transaction that isn't mine is XXXX XXXX XXXX. 

The vin number for the vehicle is XXXX The model and make of the vehicle is a XXXX XXXX XXXX  
I have tried to contact the credit bureaus and frozen my account, I need to know how the dealership obtained my social without consent and put that it is my vehicle on a credit report without ever speaking to me.. 
My accounts have been frozen and fraud and security breach has been reported. I still want to know how this occurred and how to correct it. 
I noticed my address was changed on experian to XXXX XXXX, XXXX XXXX, XXXX which is a confirmed address of my estranged husband. I think he used my social security number at a dealership to falsely be approved for a car loan that he is already XXXX  days late with and now is on my credit report as me. I suspect this to be fraud and I want to know who has my information in the breach of security and consumer rights. Please contact the dealership and myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-03-24
Company: Crossroads Systems Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I found out there was a ppp loan in my name for XXXX dollars. I never received the money nor was I informed about that money. I found out about that information when I searched my name on google. 
Approximately in XX/XX/2021, I filled out the form to obtain a ppp loan at XXXX and it was XXXX XXXX XXXX who issued the money, according to what I saw on XXXX. 
Recently, I have sent various emails and I have also called both companies, but they do not answer messages or calls.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies Equifax Mortgage Services reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies Equifax and XXXX removed these unauthorized fraudulent hard inquiries from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze

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 2019-02-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2022-01-11
Company: Statebridge Company
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I refinanced my mortgage in XXXX from Statebridge Co to XXXX. We were owed around {$2600.00} from our escrow with Statebridge. They dispersed a check for the correct amount around the first of XXXX which we received. However, I accidentally threw the check away when paying bills. 
I contacted Statebridge on XX/XX/XXXX when I noticed I couldn't find the check, I spoke with XXXX. I explained the situation and asked them to cancel the previous check and reissue another one. XXXX stated she left a message for the finance department and it could take up to 3 weeks. 
On XX/XX/XXXX after not receiving a check or any communication from Statebridge I called back and again spoke with XXXX. She stated it appeared no one had addressed the issue. She placed me on hold and spoke with a manager. She then told me another message was sent to the finance department and to call back the next day. I waited until XXXX to call again to check the status and again some with XXXX. She again stated there wad nothing noted and she would try to speak to her manager again. After several mintues on hold she started she would need to call me back. 
As of this date, XX/XX/XXXX I had not heard back. My husband called and stated again nothing had been addressed by the finance department and another note would be sent. 
I am obviously willing to pay any cancellation fee they may be charged but after a month and a half with no information as to any steps to resolve I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: KEYCORP
State: NY
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 need complaint ID # XXXX reopened as you closed the case and the bank 's solution did not resolve the issue. XXXX XXXX Customer Service has informed me that the form KeyBank told me to have them fill out can not be filled out by them so the check can not be cancelled ( email pdf attached ). This includes XXXX 's timeline of KeyBank 's incompetence, negligence, and malfeasance. My $ XXXX is still just gone. My next step will be to contact and attorney and seek punitive damages at this point as, due to the ongoing stress in part caused by this issue, I underwent an emergency MRI on XX/XX/2022 to check for XXXX XXXX regrowth due to contralateral weakness in my left side that persists. The cause remains unknown but may be due to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XX/XX/XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the XXXX. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX  XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

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 2019-02-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
THIS ACCOUNT CANT BE VERIFED AND NEEDS TO REMOVED FROM MY REPORT XXXX XXXX XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of bank account, death threats and threats of being sent to jail and prison continuously from attorneys at Gurstel Law Firm, a debt collection law firm, for a debt that is not my debt and is the result of identity theft. The debt is a fraudulent debt and isnt my debt. Gurstel Law Firm is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions 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 just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. 
I am requesting for this accounts to be removed from my credit report intermediately.

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 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX   credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX that she did not authorize with Kohl's'/Capital One. An official dispute of this action was sent to Kohl's/Capital One XX/XX/XXXX however as of this date no response or reply has been received as to the outcome of the investigation which is a violation of FCRA. 
In addition an application was filed with XXXX XX/XX/XXXX and the official dispute of this was sent to XXXX  XX/XX/XXXX and again, no notification was sent to my client concerning the outcome of the dispute status which is also a violation of CFRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In XX/XX/XXXX I fell very ill, I defaulted on a XXXX XXXX personal loan in XXXX and stopped making payments. I was unable to pay the debt, XXXX XXXX sold the loan to XXXX XXXX who hired a lawyer, who used every unlawful tactic to try and collect the Debt. in XX/XX/XXXX I contacted a lawyer who advised me that I could counter sue XXXX XXXX and XXXX XXXX for what was being done to me. I called XXXX XXXX, after discussing the matter and my legal rights. I was informed that they would release the Debt and remove it from credit report. It was shortly removed from credit report, hence I thought the matter was cleared up. Then, in XX/XX/XXXX the debt reappeared on my credit report under XXXX XXXX but was bought by XXXX XXXX XXXX. I contacted them, they said, they didn't know about the harassment from the past and were collecting the debt. I told the representative I felt it was wrong and unethical for them to report it now after all these years when a verbal agreement was reached and was honored for 6 years. 
So I then asked when it would go off my credit, the Rep said in XX/XX/XXXX because my last payment was XX/XX/XXXX, I told the rep that my last payment was in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX, which means this debt should already be removed from credit report. The rep was unhelpful and said she would note the account. I writing to get resolve on this and hopefully move forward from a very bad past with the collection practices of this company. I have held on to tape recording from 5-7 family and friends who had calls with messages detailing personal information and threats from the agency used by XXXX XXXX or XXXX XXXX from XX/XX/XXXX. I am looking to have this debt immediately removed from credit report. 

Thank you

Company response to consumer: Closed with explanation