BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-26
Company: Affirm 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 XX/XX/XXXX I reserved a golf set from XXXX. They sent me the wrong set twice ( XXXX clubs vs males ) and I had to know reruns them both twice. I printed the label and sent it to the ups drop off and a few months later they said I was delinquent when I have proof of requesting a return late and then dropping it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XXXX XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XXXX XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS

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 2019-05-05
Company: ZINC Financial, Inc.,
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The loan was paid in full as XX/XX/19. The nature of this complaint is due to a FP ( forced Placed ) insurance that was wrongfully billed to the account, totaling about {$1400.00}. There were several communication exchanges with ZINC to provide/validate that there was never a gap of insurance. Even though an active policy was provided, ZINC did not remove a highly cost insurance forced placed on their end. This an unfair practice and close attention to this particular lender business practice is highly encouraged. 
Please be aware that there has been several complaints filed against this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ID Analytics, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On X/X/17 I bought my lease out on my XXXX. The XXXX dealership apparently submitted my information to XXXX XXXX for a loan, who in turn, denied my loan because of a credit score which was XXXX from XXXX XXXX, a credit reporting company. This score does not match my score from XXXX which was XXXX, XXXX XXXX, at the same time and possibly XXXX. I am very concerned about the score which is being reported on my behalf from 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 2019-05-05
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first noticed XXXX XXXX reporting information of an alleged debt on my credit report. I wrote asking for validation with certified mail number XXXX, which they got in their office on XX/XX/2019. As of date they have not sent me any information about what they are reporting and claiming I owe. When I pulled my report again I noticed they are still reporting and updated the account on XX/XX/2019, they failed to follow FCRA 1682 ( 3 ) rules by not marking the account as in dispute. Additionally, the Texas Finance 392 code says if a company can not validate or even have enough time to validate the alleged debt they have to stop reporting and collecting, neither was done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted 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
Consumer complaint received 2017-07-27
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 status incorrect

Complaint:
Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( MACYS # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ... I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount. When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that XXXX and Equifax have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once. 

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.

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 2021-12-26
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to try a product from XXXX that would give me information about the performance of my car. It was called XXXX. I tried it, and found that it was not giving me anything that I wasn't already getting from my car 's system. I returned the XXXX to a XXXX Store on XXXX XXXX XXXX, XXXX, FL. The employee at the store told me that they didn't take returns, and that they would take the $ 10 monthly charge off my account. I kept the XXXX for two years, and was never asked to return it ;, and, I never received another bill from XXXX. 
I received a collection notice many months later. I informed the agency of the above, and never received another collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me everyday 3 times a day. Plus they posted negatives comments on my credit 3 times in XX/XX/XXXX alone. Once on XX/XX/XXXX, again on XX/XX/XXXX, then again on XX/XX/XXXX in a concerted effort to lower my credit score. It for a XXXX that I have disputed but they will not listen to me and demand I pay money that I do n't owe.

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 2017-07-27
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Can you assist with two issues? 

LOAN ISSUE : In XX/XX/XXXX, I purchased a 2021 BMW X7 car from BMW of XXXXXXXX XXXX NJ and financed it through BMW Financial. 

In XX/XX/XXXX, the car broke down due to a pre-existing defect with the car that the dealership failed to disclose to me. 

The car was in the BMW service center for over a month and a half ( XXXX XXXX ), as they could not fix it. 

Finally, in XXXX, the dealership provided me with a new car, although we had to pay the cost difference. 

From XXXX XXXX, XXXX to mid XX/XX/XXXX, when I got the replacement, I continued to make payments on my loan. I was also initially not provided with a loaner, but then eventually provided with a smaller loaner but not allowed to drive more than certain miles per day. 

So in effect, for a month and a half, I continued to to pay for a car that I no longer had access to because it was sold to me with a defect. I called BMW and they refused to waive or assist with the that period. 

I don't think that it is right that I had to pay a month and a half for a product that I did not have access. 

ROLLOVER EQUITY ISSUE Second, when they gave me the new car, they did not carry over all of the payments I made to the old, defective car to the new car. In effect, they wiped those old payments clean as if I never made them. I did not get credit in any way from those old payments to BMW Financial. 

This doesn't make sense- they sold me a defective car and should give me a replacement vehicle, but effectively what they did was sold me a defective car and as a " remedy, '' allowed me the privilege of buying yet another car with no credit for any of the prior payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A home loan was approved 2015 in 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
Consumer complaint received 2019-05-05
Company: I.C. System, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Not aware of this card in my name whatsoever

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Have contacted you a few times about strange charges on my card. It looks like your files have been hijacked and some strange merchants are charging my account. 2 of them have been successfully canceled but one form XXXX for {$110.00} keeps on repeating. Together with your rep, we have contacted the merchant and he could not give any details about the charge. Your rep agreed that this is not legitimated charge and reversed the charge. but the same amount came on again later. Again contacted XXXX but nothing happened. Went to the local bank and the branch XXXX called you and assured me that I will get a new card and phoned XXXX and agreed that the whole conversation with XXXX indicates fraud. Nothing happened. Went again to the Chase bank and the assistant vice president phoned XXXX and assured me that the problem is solved and I will get a new card. Checked my balance and credit for that amount was given but the new card did not arrive. When receiving info about the card statement I have noticed that the amount was charged again. A merchant refuses to send me information about their grocery charge, I did not order anything from XXXX and contrary to all assurances for XXXX and Chase - nothing is happening. I will appreciate a speedy response to this fraudulent charge and credit on my account- so many times promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: KS
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 have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on Experian providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, XXXX continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on Experian in which provided me documentation of that they have raised my credit score. 

I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest

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 2017-07-27
Company: FRESNO CREDIT BUREAU
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My doctor ordered XXXX XXXX which may have been performed by XXXX XXXX XXXX but for which I have not received any XXXX XXXX detailing results and XXXX performed. I have contacted other labs in the XXXX XXXX area which indicate that the amounts charged are higher than competitive labs in the XXXX XXXX area, and despite my written request for lab report I still have not received said lab report. The lateness of the report means that I was NOT able to take effective action to reduce my XXXX before it became chronic so XXXX XXXX XXXX endangered my health by their lack of action. Additionally while trying to reconcile this billing I was told to call client services but I am deaf so that option is not acceptable. XXXX XXXX XXXX then sent my bill to Creditors Bureau which is a violation of HIPPA in as much that no medical information may be shared with third party without my consent. XXXX believes that I should travel back to XXXX XXXX to obtain this report from my provider but this is not acceptable or affordable to me since I have left that area for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX

Company response to consumer: Closed with explanation