BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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 have reviewed A copy of my consumer reports with Experian, XXXX and XXXX and have noticed an account from XXXX has reported as charged off and reported A balance. Back in XXXX I had A XXXX television and sound tower financed threw XXXX XXXX and with the purchase I had insurance with covered the items I leased in the event they where stolen.. On XX/XX/XXXX my home was broken into and the items I leased from the above company was stolen. As A result I filed A police report and informed them immediately that I no longer had the items. I was informed I would have to provide A police report to have the account paid by the insurance and closed out as paid in full. I first submitted the report the incident report on XX/XX/XXXX and was contacted later and informed they could not use the incident report and needed the actual police report. I then reached out and informed them the police had informed me I would have to wait on the report via mail and after I received it I would send those documents. On XX/XX/XXXX In sent the police report via mail and called to advise it was on the way. On XX/XX/XXXX I called again and was informed they had not received the report. This time I went into the local XXXX XXXX XXXX  in which XXXX XXXX is located and provided them A hard coppy of the report and was informed it was be uploaded to my file. 3 Years later I am reviewing my report and notice the account has never been updated as paid in full and instead is listed as A charge off. This is illegal and A violation to FCRA to report inaccurate information. then reached out to XXXX XXXX On tuesday XX/XX/XXXX via phone explained this situation and he informed me to email him A copy of the report and he would foward it to the correct person. He informed me I would hear something back within 48 business hours and I have not recieved any sort of update A week later. Ib ahev subnmitted A dispute with the consumer reporting agencies ith this information coming back as verified although it is truly an account that should not be on my credit report. I have attached the copy of the police report below along with the communication I have had with XXXX at XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CORELOGIC INC
State: DC
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:
CREDCO Mortgage Reporters Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2021

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 2021-10-25
Company: EQUIFAX, INC.
State: LA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am the victim of a scam using XXXX. I contacted navy federal who I used XXXX to send the money to what ended up being a scam. I have a phone log with the representative of the company. Once the {$1000.00} was sent the scammer was gone and the phone calls and emails went unanswered. XXXX said there is nothing they can do although they are aware of these types of scams. The representative gave me his name email and phone number. I felt comfortable because I thought it was backed by my bank and in the banks app. Neither Navy Federal or XXXX offer any protection. Banks are not doing anything to help victims of these scams. I was trying to purchase a dog for my son. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Didn't receive services that were advertised

Complaint:
In XXXX I followed the FTC 's links to freeze my credit. The link to TransUnion provided by the FTC links to a paid site that makes you create an account. When I went to freeze my score TransUnion asked for a credit card. At no point did it indicate that I would be charged a fee or be subscribe to a service provided by TransUnion. TransUnion then proceeded to charge me $ XXXX monthly. I called the company and after falsely stating there was nothing they could do, a representative agreed to issue me a refund. However, TransUnion refuses to give me a receipt for the refund, claiming nobody in the entire company, including the CEO (? ) has the ability to send an email detailing the refund. 

https : //www.consumer.ftc.govXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today, at XXXX XXXX I received an email from my bank that a new PIN for an unknown debit card number under my name was on its way. I tried calling my bank but when I enter my information, I realized somebody changed my PIN on my regular debit card ( not related to the last four digits that came in the email ) I could change my PIN trough my bank app, but when I called they advise me to get a new debit card. I am fearing that my identity is compromised. Something similar happened to my mother when she tried to buy in a grocery store she continuously gets an invalid message when she enters her PIN number, somebody changed it without her notice.

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for Trans Union, XXXX, and XXXX. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with Trans Union, XXXX, and XXXX to have these accounts removed from my report as the information is no longer valid. Trans Union, XXXX, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by Trans Union, XXXX, and XXXX within this amount of time and this resolution is completely inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America deducted {$230.00} from my California XXXX card on XXXX XXXX. I contacted the bank and that's when the lies started. I called the bank at least 3 times a week and was told its Ca XXXX who took the money, when all along Bank of America took the funds. Ever associate told me the same lie. One even gave me a couple so called confirmation numbers of the transaction between the XXXX and Bank of America/debit card. All the while this is a lie. Finally a " supervisor '' told me i had to talk with claims. So for another 10 days i would call and eventually put on hold. Shortest tine i waited was 3 hours 45 minutes. TWICE a day. Finally XXXX XXXX 2020 i got through to claims. She was rude and treated me/it like it was a fraud charge i was trying to pull off. Told me i would have to wait 10 business days. I shouldn't have to wait at all. Bank of America took my money so why do i have to wait for any investigation? Ive lost my cell phone because i couldn't pay the bill. I can't pay my full rent amount yet so eviction is looming. I would appreciate bring 4 treated with some respect by bank of America and compensated for my lost cell service and rent late fees. 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 2020-11-10
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
-- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- Specialized Loan Servicing ( SLS ) has made the mistake to put my account under forbearance in XXXX 2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). 

I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. 

I have contacted Specialized Loan Servicing more than 20 times since XX/XX/XXXX by phone to ask SLS to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, XXXX, XXXX  to fix the missing data issue. 

( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months.

However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things.

Without this issue fixed, My new bank can not process my new loan application, therefore I will need SLS 's help immediately to get this fixed.

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 2020-06-27
Company: Financial Assistance Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was orginally with XXXX included in my Bk file XX/XX/XXXX. XX/XX/XXXX collection agency put on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had this car for 5 months and it was still at the dealership i purchased it from from the entire time. the gave me 4 loaner cars. i finaly got the car and i took it for a oil change. the car locked up at the shop were i took it for the oil change. i had a warranty on the car and they want me to paid almost all of the money for repairing the car so i gave it back to them. they placed a balance on my credit report after selling me a lemon why didnt the finance company go after the dealership.

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 2021-10-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 non-monetary relief
Consumer complaint received 2019-05-17
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Begin on XX/XX/XXXX the company Sunrise Credit Services call with a local number so you think to answer it. I answered a few times they ask if its me and wouldnt give any information. I told them I was recording them they said they were recording me then the women on the phone starts harassing me so I hung up. They call over 5 times a day repeatedly at times starting at XXXX XXXX until XXXX XXXX. They accuse me of owing money to a school that shut down because it was bought out. Theyre student platform didnt work I called to get help was told they saw no complaints on this. 2 days later they withdrew me I tried to get re accepted they said I owed {$2500.00} plus fees. The school was XXXX University and then switched to XXXX XXXX University when they closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX  XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2019-09-06
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe this debt its been over 5years on an apartment they claim I owe when me and the company went to court and the case was dismissed without judgement. They are threatening to take me to court when its over the statutory limitations/ and the issue was dealt with in 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CITIBANK, N.A.
State: OH
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:
CITIBANK NA., BEST B Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 

XXXX - XXXX Inquiry : XXXX XXXX, XXXX XXXXelephone Companies

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 2021-10-25
Company: DriveTime
State: SC
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:
Representative kept saying Drive Time didnt pull your credit file. It didnt come out of nowhere.The company was very rude as I stated to them a inquiry appeared on my credit file from XXXX that negatively impacted my score as well my file with a hard inquiry. Stated they wasnt removing anything and it was nobody else to talk to. Representative kept trying to be smart mouth and argue with a consumer. The inquiry occurred XX/XX/2021 and they pulled my credit file for hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I ordered a new card from Discover on XX/XX/XXXX and I got an email that said it would be 7-10 days to receive and I never received it. I called on XX/XX/XXXX to report it and the representative gave the option to reorder the card or cancel the account and restart it ; I chose to restart it, for security reasons, since I hadn't received my card. The representative placed the order for a new card and I confirmed with her and she acknowledged she was sending me out the card I originally ordered, which had an eagle design on it. I was also told i would receive confirmation of the account getting cancelled with 24 hours, which I never received. On XX/XX/XXXX I received 2 different cards in the mail with different account numbers, so I called to inquire about the cards. One of the cards was the original card I was supposed to get and the other was a new card, but not the one that I was told was being sent. I was told by the representative that the previous representative I spoke to had went back into my account on XX/XX/XXXX and placed an order for another card. This was done without my knowledge and was never contacted or informed about another card being ordered. The representative then told me that the first representative should have told me that she was not sending out the card she said she was going to and was going to have to reorder it. He also stated that they can go in and order a card without the customer 's consent. A representative should NEVER access a customer 's account and order cards without their consent.

Company response to consumer: Closed with explanation