BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: ID Analytics, Inc.
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH 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 2019-01-28
Company: Innovis
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXX-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: General Motors Financial Company, Inc.
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial is incorrectly reporting this account as past due. On my credit report, it states that they have not reported any payments since XX/XX/2017. This caused me to not be able to buy a home as it severely damaged my credit score. After speaking with the company numerous times they continue to state there is 'nothing they can do about it. ' Inaccurately reporting my account as delinquent is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: Volvo Car Financial Services U.S., LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my lease account with VOLVOCARLSE account # XXXX. The reason for writing today is in regards to the late lease payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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:
I NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of identity theft. The following collection accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am not sure if I have classified this correctly in the previous sections, but I will try to explain better here. 

In XXXX of 2020, I filed a dispute with TransUnion because an account which I thought I had closed was still appearing on my credit report. The account was a credit account with a XXXX balance and a {$25000.00} credit limit. 
The next day, I withdrew the dispute once I discovered that the account actually was still opened. TransUnion accepted the withdrawal and stopped processing the dispute. TransUnion then proceeded to drop my credit score, which is calculated by them using their triple VantageScore formula, by over 60 points based solely on this withdrawn dispute. Nothing in my credit report has changed beyond the filing and withdrawal of this dispute. Their inexplicable reduction of my credit score has caused me issues with other creditors and has, in fact, led my credit card company to place a hold on every payment I make until that payment clears the bank because I now pose a " risk '' due to my credit score. I have spent years trying to build up my credit and TransUnion managed to destroyed it in one day. 

I contacted them about this and they refuse to address it so you are my only hope.

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 2019-01-28
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

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 2019-09-17
Company: EQUIFAX, INC.
State: MA
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 sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX and they deleted that account from my record without further questioning. I also am having the same problem with Equifax as I sent them the same info as well. Both Equifax and XXXX is impossible to reach by phone to talk to a live rep to address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My unemployment was stolen from a US bank relia Card. The amount was {$18000.00}.

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 2020-03-25
Company: Better Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I shopped around and ultimately ended up going with Better Mortgage for my loan because they told me they could get it closed on time, and offered me an extremely competitive rate plus lots of closing credits, beating out the competition. 

After stringing me along for a number of weeks while they requested document after document that they then seemingly completely ignored, they told me my income was not sufficient to qualify for the loan ( it is way above what's needed ) and that if I still wanted to the loan I would have increase my down payment with a new interest rate and different closing credits. 

At this point ( I'm supposed to close on Friday, XX/XX/27 ) I clearly do not have time to get a mortgage anywhere else. 

This is a total bait and switch- had they been up front with me about : A ) not being able to close on time B ) telling me there was an issue with my income C ) explaining that they might change my rate / closing credits even though I have a rate lock in place I would absolutely not have gone down the road with them and would have used a different lender who was not lying to me. This is costing me a significant amount of money as well as wasting a large amount of my time. 

Totally unacceptable business practices, I need this addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Americor Funding, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Consumer Financial Protection Bureau, I was sent mailers from Americor about personal loans and a personal loan with a 0 % APR for 12 months. I set up an appoint to talk to a representative from Americor and was unfortunately assigned to XXXX XXXX, whom in my opinion should be loan originating any type of loans due to his deceptive tactics of relaying any type of information to consumers, who have applied for personal loans through Americor. 

XXXX XXXX preformed a soft pull on my credit report on XX/XX/2020, which he stated would determine the out of my loan process and would call me back within 45 minutes to give me a complete analysis of my loan approval. XXXX did not call on that day, instead I was bombarded with emails from XXXX about life changing loans that have helped people. 

XXXX sent over a screen shot copy of my analysis loan report on XX/XX/2020, in which there was no coherent or precise information on APRs or Loan Terms, instead XXXX XXXX prompted I call him so he could set me up on my loan. 

I did not receive a Good Faith Estimate for the loan so I could look over the APRs or Loan Terms to determine if this loan, would benefit me before I even agreed to the loan. Instead XXXX XXXX ignored my repeated requests for the Good Faith Estimate that is required by law to consumers. 

When I informed XXXX XXXX of these laws, I received a call from his Supervisor XXXX, who stated that he was informed about a loan offer that was made to me, and apparently I never got the APRs or Terms that would let me review the loan. 

I emailed XXXX XXXX about XXXX contacting me. XXXX proceeds to state in the email that he apologized for not calling me in regards to the loan approval I was offered but his Manager will be taking over? 

Americor has wasted my time, disregarded my request for loan APR and Terms, didnt provide a Good Faith Estimate and further more now have my personal information in their system, which could be prone to cyber hacking. 
Upon further research of Americor they have a habit of bait and switch loans, over promising to consumers and just wasting consumers with deceptive tactics with personal loans. 

Being in the financial industry, I know what they did is wrong and it irks me that they run a business like this, at the consumers ignorance of not knowing the laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
( 1 ). Bank of America XXXX XXXX XXXX XXXX XXXX Opened a credit line ; for the sum of {$20000.00} Around XX/XX/XXXX XXXX XXXX. 
I did not request this account nor did I apply for it any way or means. I contacted the Bank and asked for the account to be closed and to be removed from all 3 credit bureaus. They said that they would close the account. On XX/XX/XXXX sent a letter saying my personal info has been compromised. and to contact them by phone. 
On XX/XX/XXXX I received a second letter that they contacted the credit bureau XXXX As to this date it still shows on my credit reports after several attempts to have it removed ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX this bank opened a revolving account of {$10000.00}. with out my consent.

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 2020-06-24
Company: OneMain Finance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a loan online, and received a call from a rep of One Main in  XXXX, VA. He told me that I qualified for a {$15000.00} loan and only needed a few items of documentation. I sent the items, he told me that I was approved. I called my current finance company to tell them that I was paying off the loan only to get an additional call from One Main telling me AFTER they told me that I was approved, that they could not offer me the loan after all because their computer program denied me. That's put me at an inconvenience and also, my current company thinks that I told them a falsehood. My complaint is that this company promises what they can not deliver. They bait and switch. They promise that they have you approved, then they switch their minds. When i told them of my disgust, they said that they were sorry for the miscommunication. It was not miscommunication. I told them of my credit problems up front and was promised that I had a loan only to find out at the very end that they could not perform. They have vital info of mine, and should not have that knowing that they could not do the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
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:
I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
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: Credit inquiries on your report that you don't recognize

Complaint:
i sent FTC to Experian when i noticed inquires that i did not authorized, i am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received A XXXX prepaid credit card in the amount of {$50.00} fro my sons Birthday less than 2 years ago with a n expiration date of XX/XX/23. At the time we had no use for it and kept it inside a safe along with other gifts. When we needed to use the card we were told that it had a XXXX  balance and in order to restore funds, we need to provide the receipt! We explained to them on multiple phone calls that we did not have a receipt since the card was given to us as a gift. The vendor has repeatedly said that they will not provide the funds till a receipt is provided. I have provided the vendor photos of the card and its original packaging as well as a copy of ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I entered into a lease on XX/XX/2016 with Toyota Motor Credit. A year later I purchased a home and was informed by my lender that the interest rate for my loan was high. I reached out to Toyota and discovered a Class Action Lawsuit charging that XXXX and XXXX  where targeted with higher interest rates, after filing an eligibility form with Toyota I was excluded from the class action. I met all required criteria : 1. I am XXXX. 
2. I was charged a high rate of interest when my credit score was excellent. 
3. I purchased the vehicle on XX/XX/2016. 

I should not be excluded and I wish to pursue a complaint against Toyota Motor Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I would like to tell you that I have a terrible situation because I found strange accounts in my credit report. For sure these accounts are not mine and I filed a report of identity theft because I was hacked by someone and they stole my personal information. In some time these accounts appeared so please I kindly ask you to apply investigation and check those accounts. Also it would be nice if you can take them away/ delete from my credit profile because its not fair to have them due to fraud. Its not my mistake or fault so please remove them and thank you for understanding. 

Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Serious delinquency, number of accounts with delinquency. Not true. If it is, show me. What is my true credit score?

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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation.

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