BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: Experian Information Solutions Inc.
State: GA
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 : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! 
I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these XXXX entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

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 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After review of my personal credit report, I see inaccurate information of accounts that were previously erased and than put back on my reports wrongfully and without my written consent.These issues are in violation to The Fair Credit Reporting Act, 15 USC Sec 1681 ( I ) ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( C ) ; and 15 usc 1681 section 602 A

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 2021-05-13
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Mercedes Benz Financial Services ( MBFS ) deducted a payment from my checking account 3 weeks after I turned in the vehicle at the end of the lease. They indicated the dealer Mercedes Benz of XXXX did not pay off the vehicle when it was turned in. I called MBFS on XX/XX/21 and they said they would refund in 2-3 days, but after XXXXhree days I received no refund. I called Mercedes Benz Financial Services today and now they are saying they won't refund my money for at least 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is collecting a debt on behalf of another company to which my name and likeness should have never been shared. 
I do not know this company to pay them, and they have wrongfully put a debt on my credit report that is not known to them as authenticated or factual evidence. Pursuant to 15 USC 1692 ( g ), neither company has sent me the 5 things that are needed to validate ANY debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Date of Birth ) XX/XX/2022 Experian To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report ), I retrieved a copy of my credit report from XXXX and discovered inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. There is XXXX inquires in all and I am attaching my credit report for you to validate Thanks in advance for your prompt attention to this matter. 

Sincerely, 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 2021-11-10
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This account was opened by my ex-wife. We were separated and I was stuck outside the country during that period. She has since moved out of the house. 

I asked the credit card company to remove the charges and close the account, however, that was not done. 

The card is now over the limit and there is a charge of {$110.00} which I have no idea why the fee.

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 2017-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
In the latter part of the month of XXXX my capital one credit cards were restricted ... .On XX/XX/XXXX Capital One informed me that they needed identification verification from the authorized users that were on my account ... On XX/XX/XXXX I submitted the documentation to them via an email link that they sent me ... After waiting for 2 weeks with no response I contacted them and they informed me that they needed me to resubmit the information so on XX/XX/XXXX I resubmitted the information once again ... After about a week they followed up and stated that they needed identity verification from the first authorized users I had on my account from XX/XX/XXXX which is over a year ago ... I advised them that I no longer had that ingormation, had they notified me when I first added them or shortly after I would have gladly submitted the information ... Since then I 've heard nothing from Capital One ... I have sent them 2 certified letters and they have yet to respond ... I also emailed the CEO and he failed to respond as well ... My cards has been blocked for over four months, and I have great credit ... I 've had several accounts with capital one and they 've all been in excellent standing.. No over the limit, no missed payments or late payments ... I 've been an exceptional consumer and the treatment that I 'm receiving is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered into a loan modification with Dovenmuehle in XX/XX/XXXX. We were repeatedly assured that we would not be considered behind on our payments, that our credit report would not be affected, and that we would be given options at the end of the agreement for how to repay the remaining amount. One of the options given was the ability to add the remaining debt amount to the overall loan amount at the end of the modification term. Without any notice to us, Dovenmuehle was placing our loan payments into a suspense account, considered us delinquent on payments, and transferred our mortgage to a debt collector in XX/XX/XXXX, all without notice to us, as is federal law, that we were considered delinquent, and with no option to repay. The debt collector came after us for a balloon payment and threatened to foreclose immediately. Dovenmuehle reported on our credit that we were 60 days late. We had to beg and borrow money from family members during a time of extreme financial distress in order to keep our house, while also having our credit impacted by the delinquent report. 

We argued our case with Dovenmuehle for most of XX/XX/XXXX to no avail. We filed a Consumer complaint about Dovenmuehle 's unlawful and unkind practices in late XX/XX/XXXX, to which Dovenmuehle finally responded, via a mailed letter in XX/XX/XXXX ( attached ), that they made the credit report in error and would correct the issue. After a few more months of waiting for it to be removed from our credit report, we spoke with Dovenmuehle again and were told that they rescinded the correction in XX/XX/XXXX, AGAIN with no notice to us. We also contacted Transunion to try to get some traction on this issue, and they were completely unhelpful, stating that Dovenmuehle does not want to remove the erroneous reporting, so there is nothing they can do. 

We have gone around and around on this issue for a year and a half, and it is way past time for something to be done. We should not have to suffer for Dovenmuehle 's unlawful behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
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: Information belongs to someone else

Complaint:
Equifax may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  Equifax was founded in XXXX, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I noticed an unauthorized inquiry on my consumer report which I did not give consent or authorization to report this inquiry to my 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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in TU reporting.. I disputed the error with TU which they received on XXXX XXXX, XXXX. 
TU sent me out a confusing investigation procedure on XXXX XXXX, XXXX explaining their goal on maintaining complete and accurate information on consumer credit reports. 
It gives a detailed investigation procedure on contacting the source of the information but singled out matters concerning public records while giving an incomplete investigation procedure on this topic.. On XXXX XXXX, XXXX TU completed their investigation when checking the details of the investigation the date that this information was updated was on XXXX/XXXX/XXXX which was the same day the dispute was delivered..It was still inaccurate with the following : contact details, date filed, estimated removal date and docket number which caused me to reach out to the listed item contact details on XXXX/XXXX/XXXX, which was returned to sender as not deliverable.. A description of the procedure used to determine the accuracy and completeness of the information was requested as well as a final goodwill attempt for TU to clear up the matter delivered on XXXX/XXXX/XXXX ... Instead of a procedure A personal credit report dated XXXX/XXXX/XXXX listed a masked SSN that also was n't requested in violation of 15 U.S. Code Section 16.81g ( a ) ( 1 ) ( a ) .. my account numbers has been partially masked and scrambled which is a clear sign of inaccuracies per TU ... On XXXX/XXXX/XXXX TU Investigation was completed again ... And in the results summary the item was verified as accurate. 
During the process of this from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...

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 2021-05-13
Company: Experian Information Solutions Inc.
State: MI
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 took a copy of my credit report on XX/XX/XXXX from transunion. I have seen 2 inquiries on my account from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Mo XXXX, XXXX ) requested on XX/XX/XXXX and from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX requested on XX/XX/XXXX I did requested nothing from both of them, also i didnt give my premisson to someone else, to use my information or to try to do something else under my name.

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 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint : TransUnion I XXXX XXXX XXXX would like to place a complaint against TransUnion Credit Reporting Agency. I have on my own attempted to have TransUnion report correctly the information about three bankruptcies being reported on my TransUnion credit report. Case number XXXX and case number XXXX of United States Bankruptcy Court . I have sent certified letters along with documents providing that these three bankruptcies were obtained illegally according to F.C.R.A. 
First, TransUnion stated that they obtained the information from another credit reporting agency ( XXXX ). 
I contacted XXXX via certified letter and enclosed I summited their reply which shows that the bankruptcies were reported in error and removed. I summited this along with court documents stating that federal courts do not supply any credit reporting with bankruptcy information. I also enclosed this document ; now I received a letter from TransUnion stating that they can not identify my ID. I find this very disturbing. If they can not identify my ID then how they can list bankruptcies on my report. I summit all listed documents to please help me and have TransUnion stop reporting illegally information on my 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 2020-12-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian ( with whom I have a subscription ). I run that report every day to note changes. The only change on the report from the XXXX to the XXXX of XXXX was the removal of a collection account. Instead of increasing my score or rendering the change ineffectual, my score declined 47 points, with no other reported changes from outside of Experian. 

The information they provide on their website listed " Long Credit History '' for my report as recently as the XXXX of XXXX. The current report ( XXXX ) does not show " Long Credit History ''. I asked them specifically why this was removed and I received no answer, nor did they offer to investigate. Something is very wrong with the service I pay for and which ( because lenders see these reports ), I partially base my financial decisions on. 

When I inquired about this specific issue, they refused to research the matter. 

Either my current reported score is wrong or the reported score prior to the XXXX of XXXX was wrong, and I deserve an answer as to which. This is a service I've paid for and deserve a proper investigation and answers.

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 2017-10-26
Company: Experian Information Solutions Inc.
State: CO
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: Problem getting your free annual credit report

Complaint:
Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.

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 2021-11-10
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
this relates to Honda Financial Services for my lease of a XXXX XXXX XXXX. My account now shows a fee for {$430.00} online. There is no explanation there for the fee. I got a letter dated XX/XX/XXXX saying that they paid a traffic or parking violation on the vehicle for {$200.00} ( no info on the rest of the amount ). I never got any such a violation. I have had this before on my last XXXX XXXX lease, where I called and complained several times but got no relief and I could not fight back because they would call the lease, add tons of interest and penalties ( also without explanation ) and threaten my credit rating. I paid hundreds of dollars on that lease to avoid trouble.I don't want to get hit again. Also they must do this to all vehicle lessees, hurting hundreds of people who can't fight back. What happened then, and I think now, is I drove through electric toll booths without XXXX or other automatic payment, and you can't pay with money anymore, they take a picture of your plate and send the toll bill. But the toll authority sends the bill to the registered owner of the car, that's XXXX, not me, the driver. I never got the bill. Honda doesn't forward the bill to me or tell me about it. And they don't pay it when due, so it accrues hundreds of dollars of fines from the toll authority. By the time Honda pays it, it's hundreds. Then Honda bills me for the toll and all the penalties. If they sent me the bill, I'd pay it right away, or if Honda pays it right away and then bills me the original amount I'd gladly pay it. but this could cost me thousands of dollars for all the times I went though tolls. Also the only way to communicate with Honda Financial is by mail. they don't have email or a way to message on its website! There is a phone number, but it's a scam. I've waited over an hour on hold before giving up, nobody answers or wait times are often an hour or more.It 's a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from TD Autofinance named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.

Company response to consumer: Closed with explanation