BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company attempted to send a billing statement in the mail to validate debt. Company is using stall tactics because it cant provide a signed legal document with my name. Company continues to provide inaccurate information to credit bureaus. Reporting non validated information to the credit bureaus is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX and Transunion - XXXX XXXX XXXX  XXXX. 

XXXX  and Transunion are providing mortgage lenders reports using the older version of the mortgage fico score, resulting in the denial of mortgage opportunities to minorities. XXXX  is using Fico Score XXXX, Transunion XXXX XXXX XXXX, and XXXX  XXXX Score XXXX. In mortgage lending the lender is looking for three scores, however, I think that looking at three scores that are coming from three different algorithms is not fair to the consumer. XXXX and Transunion prefer to use these older versions to deny access to XXXX with lower credit scores the American dream of homeownership. This behavior and practice are unacceptable.

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 2021-04-22
Company: DISCOVER BANK
State: UT
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:
Discover bank is reporting late notations for XX/XX/20 and XX/XX/20 and I would like them removed. During this time I got XXXX and fell extremely ill. I was out of work for over 3 weeks. Once I was finally able to go back, I had to pay the absolute necessities as I am the head of the household. It took me a couple of months to finally recover financially and I tried my very hardest to pay all my dues. I do not expect them to waive fees but it would be of great help if Discover bank could make a goodwill adjustment of these lates as I am now trying to buy a home. I have been punctual since and this would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Credit Karma, LLC
State: TX
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:
XX/XX/2018 @ XXXX Made a call to XXXX XXXX which claims they have no record of the inquiry company, XXXX XXXX is an outsourced call center, Credit Karma is automated and I can not get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below XXXX XXXX XXXX # XXXX Open Date XX/XX/18 {$4000.00}

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 2018-08-27
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XX/XX/2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent XXXX the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.

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 2019-08-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and accounts on my credit are not mine

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 2020-06-23
Company: ACIMA CREDIT, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I purchased a ( well what I thought was a ) XXXX  65 inch hd XXXX XXXX  tv from XXXX XXXX In XXXX Indiana. I saw the ad on XXXX   XXXX, verified the tv was new at that time the owner XXXX told me about the 90day same as cash financing. I decided to do that and keep as much cash as possible since the country was basically shutting down. I purchased this tv especially so my children could do XXXX on a big screen. XXXX couldn't get the tv in my car. it was in an opened brown box. not a XXXX  box. He told me he could bring the tv to me at XXXX XXXX  the next day. He did I drug it into my living room where it set until the next evening when a friend came to mount it. I was not the correct tv and it didn't even work. XXXX tells me he will give me better tv. We take the tv back and get what turns out to be another broken tv and he again insisted it wouldn't fit in the car with the box! I '' m pretty angry at this point as I gave my old tv away and the school had just been canceled for a month. Kids like to watch tv. He came to my home the next day where the broken tv was and walked out. he told me he would get me a refund from acima. That didn't happen. I did learn he is selling 3-year-old TVs as new after a serial number search. I have a police report and all of the texts between XXXX and I. Acima refuse to cancel my account or refund any money. 
I'm attaching the XXXX  communication, Last week Acima reported I was 60 days late on this loan causing my credit score to drop 70 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I checked my Transunion credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below ; XXXX XXXX XXXX # XXXX, Open Date XX/XX/18 {$4000.00}

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 2020-06-23
Company: General Motors Financial Company, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I financed a XXXX XXXX XXXX with GM financial in XX/XX/XXXX. I needed a friend to come and co-sign for me. She came to help but we were not informed that she was signing as the primary buyer. We both signed on electronic devices not on paper and could not see the exactly what we were signing. I am the one driving the car and making the payments not her so why is she primary on her he contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
First let me start with my mortgage went from XXXX XXXX, to XXXX ( and they ended up in big trouble with the government ) then they rebranded to XXXX XXXX ( and they ended up in trouble with the government ) now my mortgage is going to select portfolio servicing Inc. ( I have a paper that says my mortgage with not sold to them that XXXX XXXX is still the original lien holder ) I have massive outstanding student loans my pay is already garnished for repayment, I started to do a loan modification with XXXX XXXX, before that could be finished my mortgage went to select portfolio servicing, I had to restart my mortgage modification with SPS, I filled out all of the paperwork correctly I sent them all of the documents that they wanted, and then the XXXX started, they couldnt read bank statement, so I resent them, then they said that I forgot to fill out a question on the original application, but on my copy I have here I filled it out, then They lost my W-2 tax forms, Then there was a little box that I didnt check off on one of the forms, then they couldnt read the bank statements again, then they couldnt read the W-2s I had to resend, this went on for 10 months, And finally I got a letter stating the only thing they could do to help me was add {$300.00} to my current so I wouldnt fall behind, that is the only option they have given me, when their website states they have several options to help people obtain their homeownership. This place is not out to help people they are out to hurt people and for them to lose my federal tax forms has got to be some kind of violation? Select portfolio servicing Inc. is not out to help the consumer they are out to  bury them, And DonT expect to get the truth from anyone at SPS, even the customer service person told me they will LIE and threaten people with foreclosure just to get you to just pay the mortgage, and dont care if you have a hardship, the lady XXXX XXXX I was dealing with lied to me on numerous occasions, and when I called her on those lies she told me I MISS UNDERSTOOD! 
Im very afraid that my complaint will provoke retribution from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Paramount GR Holdings, LLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a solicitation for a reverse mortgage, without my permission they did a credit check which I did not authorize. 

The company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX CA ran a credit check without my consent and stated I was applying for a loan which I was NOT!

This denial weakens my credit and was not authorized, I want this kind of action to stop as they prey upon senior citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: M&T BANK CORPORATION
State: NM
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 XXXX XXXX, XXXX I cancelled this loan transaction under the Truth In Lending Act. M & T Bank and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

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 2020-03-22
Company: EQUIFAX, INC.
State: NY
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:
( XXXX XXXX XXXX XXXX  ) can not be validated. However, Equifax currently reports XXXX XXXX XXXX XXXX  as updated and verified. A violation. Back in XXXX of 2020 I sent XXXX XXXX XXXX XXXX a validation request. As of today XX/XX/2020 I have not received a response letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2016, the case was dismissed and the rent is still with the City of XXXX. XXXX XXXX is aware the money is there. National Credit Systems is reporting to XXXX  that owe {$9000.00} which is not true. I have proven that no rent is owed and their attorney dismissed the case of me owing anything. 

National Credit Systems is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I noticed that despite being signed up for online bill pay, my balance did not seem to be going down. I receive two emails from Bank of America, one notifying me of an upcoming payment and another email mid-month notifying me that a payment is due. I have been on auto-pay since XXXX. I logged into my account and was shocked to see that I had been charged {$38.00} dollars in late fees and had been for some time. Because I had signed up for paperless billing, I had not been notified in writing or email of any late payments or fees. In fact, in the only other email that the company sends to me on a monthly basis ( the first is notification of an upcoming bill ) it states in bold, '' No action is required if your payment has been scheduled. '' I contacted the company today to inquire about late fees. They let me know that since the payment was scheduled 1 day after the payment due date, I had been receiving late fees since XXXX, when a change was made to my autopay account. After spending 30 minutes on the phone I was able to get refunded 3 months of late fees but I have been overbilled a total of {$720.00}. I would like as close to the full amount refunded seeing that I have never been notified of any late fees and the only email notification I receive states in bold that no action is required. Please help me. I have made every payment ( with extra ) since 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 2018-11-04
Company: PNC Bank N.A.
State: MD
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 just received an alert showing a hard inquiry from PNC BANK that I do not recognize or have authorise. Please correct. Creditor Name : PNC BANK Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax has re reported the XXXX account again without a 5-day notice. This is against the FCRA. I 've disputed this debt before and it was removed from my Equifax report in the past for being re reported. I 've attached a letter from Equifax in the past for the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
eep driving the car as I will incur additional fees for going over the mileage. They offer me a new loan that is so expensive and I said but I would not be able to afford that payment, I want something that I can afford. I contacted XXXX XXXX around XX/XX/XXXX, to come pick up the lease, they said they would contact me back and they never did. I visited the dealership on XX/XX/2018 to return the car and they did not take it back. They say, they would have someone called me. Nobody called me, I went to the dealership on XX/XX/2018 and returned the car and signed a lease return receipt. I sent an email to XXXX XXXX XXXX notifying them that the lease has been returned. The remaining payment on the lease was XXXX. However I received a letter that stated I owe {$39000.00} and that my vehicle was repossessed on XX/XX/2018 and I was charged repossession fees. Please help me as this company is engaged in deceptive sale practices and charge excessive fees. My remaining lease balance is only {$12000.00}. I am a XXXX XXXX veteran who work hard to earn my money. I can't give it away to this company that engages in unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

American Express, have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation