BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NE
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: Problem with personal statement of dispute

Complaint:
I actually didnt submit a dispute I submitted an inquiry asking in writing where the credit bureaus gets their information. I specifically told them I was not disputing the bankruptcy. They still proceeded to process it as a bankruptcy. I asked them to respond to my letter and writing and the supervisor XXXX told me they couldnt and wouldnt respond to my letter in writing and could only do it verbally. Which I know as a consumer I know I have a right to know where the information that was on my report came from.

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 2017-11-16
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:
taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights

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 2017-09-30
Company: EQUIFAX, INC.
State: NC
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:
I had confidence that my personal credit history and information was protected by Equifax and had to go through the process of freezing all of my credit reports to protect my information. This is what I 'd expect my credit agency to manage and there was no assistance as I had to do the filings myself. I never received a notification and was directed to some web site to find out if I was impacted by the security breach. I do n't trust their site and did not apply for any of their credit protections and handled that process on my own. 

This is a serious matter with my personal information having been obtained through a reckless and unreliable security process on the part of Equifax. It is a serious lack of attention and protection of my financial information and is unacceptable. I will have to monitor when to release the freeze if I need to apply for credit or a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. 
The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

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 2019-06-20
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 FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM TRANSUNION, XXXX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I tried to freeze my credit report. 
I can not freeze my credit claiming that an account already exist. 
I tried to retrieve the account. But was denied.

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 2019-06-11
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
World Finance is repeatedly calling people I listed as references over & over, but are also calling people I did NOT list as references leaving messages for me to call them. Per 1692b of FDCPA they are only to call my references one time each & are not supposed to say where they are calling from. They have my correct phone number & address so it is not being used for the need of " location purposes ''. This has been going on for two months. They have told me directly they will continue to call my references daily until I come into the office because that is what is required for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: YKS Acceptance, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted Herbies Auto Sales ( Y King S Corp ) about this consumer action ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-herbies-auto-sales-for-unlawful-lending-practices/ ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release, so there 's no problem there. ( Purchased in XX/XX/XXXX ) However, per the terms of the consumer action, I was supposed to receive an adjustment to what I 've paid or a refund for the amount. Other than a letter than was sent last year, Herbies has not actually refunded any of the money per their own letter when they said adjustments or refunds would be made. The letter said they would be " calculating '' the amount and would follow up, but this never happened. <P/>Even after my car was paid off, no one ever made an attempt to let me know about the refund or that I was entitled to one until I checked my records and realized this action was pending. I contacted Herbies and was told the finance department " does not handle the warranty refunds '' and was directed to the voice mail of a " supervisor '' who has never contacted me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: ECMC GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have student loan that had defaulted and was turned over to Premiere of North America LLC. Arrangements were made for me to pay {$140.00} dollars each  month for 10 months. After 10 months of payment, my loan would be in a current status. These arrangements were set up automatically to be withdrawal from my checking account monthly. Payments started to come out of my checking account automatically, but then the payments stopped. When I contacted Premiere @ XXXX, I was unable to get through ( constantly on hold and then the line would disconnected XXXX to speak with a representative after several attempts. After calling Premiere for several weeks, I finally received a recording stating that they were no longer handling my account and the call was automatically transferred to the XXXX XXXX XXXX ( XXXX ). After speaking to a Representative, I was told that there was a dispute going on between Premiere and XXXX XXXX XXXX XXXX and that they could only accept payments but because no paperwork from Premiere was forwarded to them, they could n't honor the payment arrangements that was made with Premiere and they could n't off their rehabilitation program because it is only offered once in the lifetime of the loan. I asked for a settlement amount, the representative told me that I need to contact Premiere. I confirmed with the agent that they were aware I was getting referred back to their office. The agent stated that is what he was told to say. I am wanting my name removed off of the CAIVRS list because I have been paying as agreed. I am also requesting that the XXXX XXXX XXXX honor the payment arrangement that was set up with Premiere.

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 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 FOUND PUBLIC RECORD ON MY CREDIT REPORT IS INCORRECTLY PLACED ALONG WITH 8 ACCOUNTS IS NOT EVEN BELONG TO ME : 1- XXXX XXXX XXXX XXXX # XXXX 2-XXXX ACCOUNT # XXXX 3-XXXX ACCOUNT # XXXX 4-XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX 6- XXXX/XXXX ACCOUNT # XXXX 7- XXXX XXXX XXXX  ACCOUNT # XXXX 8-XXXX ACCOUNT # 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 2017-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2020-04-23
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a follow up complaint Referring to my prior complaint # XXXX XXXX XXXX. 
The company absolved me of the disputed {$600.00} and removed x1 XXXX $ late fee. 

The company is now giving me a minimum payment of {$300.00} due on XXXX XXXX. I just received this notification letter via mail XXXX XXXX. 

This amount includes interest charges on the disputed {$630.00}. 

The late fees from OcXXXX XXXX XXXX  add up to {$220.00}. The interest fees add up to {$20.00}. XXXX + XXXX. Not XXXX. A difference of {$66.00}. 

I was denied previously that all late fees and interest be removed due to my 6 months of trying to contact this company via multiple sources and them denying my dispute in 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 monetary relief
Consumer complaint received 2022-04-26
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: Account status incorrect

Complaint:
In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Capio Partners has put a debt on my credit report that was taken off one month then they put it on the next after it was closed. I asked them to stop calling me and even blocked their number but they still call. They list the debt as being opened this year. That is false and against my rights as a consumer to report any incorrect dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX, I opened a complaint with CFPB regarding three issues with our mortgage service provider, Select Portfolio Servicing ( XXXX ). XXXX closed the complaint with CFPB, even though they only resolved one of the three issues. The FIRST REMAINING ISSUE is my Unpaid Principal and Deferred Principal/Interest balances are still wrong in the XXXX computer. However the combined/Total balance is correct. As of XXXX/XXXX/XXXX, the correct balances are : Unpaid Principal ( {$120000.00} ), XXXX XXXXt ( {$10000.00} ), XXXX XXXX XXXX {$130000.00} XXXX. XXXX Ombudsman Dept. even wrote in their response on XXXX/XXXX/XXXX that the XXXX XXXX should be ( {$10000.00} ), but will not take action to correct it with their cashier department. If XXXX does not immediately fix the account balances, I will be charged more interest than is owed when I make my XXXX XXXX payment. 

The 2nd REMAINING ISSUE is in regards to thXXXX XXXX XXXX of {$10000.00}. Even after obtaining documentation from my former mortgage company, XXXX ( on XXXX/XXXX/XXXX ) detailing the Deferred Interest, XXXX Ombudsman wrote that my Deferred Interest was with my former mortgage company, and when the loan was sold to XXXX, the XXXX XXXX was re-categorized as XXXX XXXX. XXXX said that I had to wait until the Unpaid Principal was paid before I could pay on the re-categorized, XXXX XXXX. I sent an email to XXXX Ombudsman on XXXX/XXXX/XXXX, asking for confirmation regarding a letter from XXXX dated XXXX XXXX, XXXX stating that " Any monies paid towards the {$10000.00} XXXX XXXX will result in a XXXX interest statement. '' Now this letter came directly from XXXX, yet they sent me another letter dated XXXX/XXXX/XXXX saying they had to do further research and it would take another 30 days. XXXX has been researching my disputes since XXXX XXXX. Every time they send a response that is incomplete or incorrect, they immediately close the inquiry. Then when I contact them regarding their response, I have to open a new inquiry, and wait another 30 days. There is no continuity on a case. Once they send a letter to you, the case is immediately closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account was closed on X/XX/2017, with no warning. Now applying for mortgage I am being told the account was closed and it hurting my debt ratio. Tried getting it reinstated and bank will not help. paid on time, and paid off the credit card on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>Transunion : XXXX XXXX listed as an " adverse account '' XXXX : XXXX XXXX listed as a " Negative '' in XXXX XXXX XXXX report : XXXX XXXX XXXX " date of 1st delinquency, '' XXXX " Date major delinquency 1st Rptd '' On XXXX/XXXX/XXXX I contacted Transunion XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.

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 2022-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation