BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-04
Company: Experian Information Solutions Inc.
State: MS
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 SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX, EXPERIAN, XXXX 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXX AND I AM GONG TO ATTACH EOB FROM MY INSURANCE XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM XXXX XXXX AND EXPERIAN AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. XXXX. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as posssible. I reported this and have also included the FTC Affdavit thats lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenice to me as consumer. I XXXX XXXX am making this complaint. This is not a 3rd party you guys tried that before. I've provide 2 FTC Affidavits.

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 2017-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 XXXX XXXX, XXXX, I had been approved by Capital One to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my XXXX XXXX and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report I noticed 17 suspicious inquiries. This is a violation of the FCRA section 1681b ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize anyone employees by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

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 2021-10-21
Company: Specialized Loan Servicing Holdings LLC
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 Specialized Loan Servicing LLC reported a {$10000.00} dollar increase in my mortgage balance. My billing statement states my mortgage balance is {$110000.00} and they are reporting the balance as {$130000.00}. This is the fourth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. Each time I dispute the increase, they correct the balance back to the stated balance on my billing statement and then state they are providing accurate information. They also state they are adding the missed payments to my mortgage balance which would imply that I am liable for the payment twice, once under the existing mortgage balance and again by them adding the missed payment amount to the mortgage balance. They then report the increased balance to the credit bureaus even though I am on a forbearance plan with them and the Cares Act makes it illegal to do so.

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 2017-12-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was previously enrolled in credit protection through Citibank which i was charged a monthly fee and I never gave consent or any knowledge of this service.I believe this might have been added into the tax part of my monthly payments without my knowledge also..valid approx. XX/XX/XXXX-XX/XX/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 2021-10-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved.The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERVICES ( XXXX ). PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX  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 2020-09-06
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX. 
This account needs to be removed. This is from 2008. It is 12 years old.

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 2021-04-17
Company: Experian Information Solutions 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:
On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. XXXX XXXX XXXX was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this 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 2021-03-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe I have made XXXX payments and should qualify for Public Service Loan Forgiveness now, but Fedloan has me at XXXX. The disputed payments include the following : one from XX/XX/XXXX where Fedloan says I " don't have a bill for this payment, '' but still debited the monthly amount from my bank account. The issue was without my asking for it, they put me into " disaster forbearance '' because I lived close to the California wildfires despite the fact that the fires did not affect me personally. I called and asked to remove the forbearance, which had been placed for two months, and asked them to bill me as I wished to continue to make payments. They removed the forbearance and only debited my account for one month, but did not create a bill. Therefore, they took my money for one month even though I asked them to take it for two months, and then counted zero months. Another disputed payment is from XX/XX/XXXX during a transition from a prior servicer to Fedloan. This payment has been " pending manual review '' for over two years. I have submitted proof of payment for this bill but it hasn't changed anything thus far. I called Fedloan and they advised me NOT to submit for forgiveness now because it will be denied. They also said there is " no timeframe '' for when my disputed payments may be reviewed. I asked if I might speak to their ombudsman or at least a manager and was told " no. '' They would not give me any contact information for an ombudsman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 and Transunion data 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 2021-04-17
Company: AMERISAVE MORTGAGE CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This situation started in early XX/XX/2020 when I received a call from XXXX XXXX of Amerisave Mortgage, solictiting the refinancing of our second home in XXXX XXXX, New Mexico. We had been working with XXXX XXXX on the refinance, to take advantage of the lower rates that were being offered by the industry. We were in our 3rd or 4th month with XXXX XXXX, I asked XXXX how long it would take to close our loan with AmeriaSave and she said " 20 days '' I asked the rate and she said 2.375 % 30 year fixed ( this was later adjusted to 2.25 % in XXXX. The 20 days turned into over 240 days. I would go into their Portal to check on what might be needed, and seldom did it indicate any additional information was required. When they did indicate the need for more information, we supplied it promptly. They offered " Cash to Close '' which we accepted in order to payoff two commercial realestate loans that were a 4 % adjustable rate. The total of these two loans was approximately {$210000.00} and the Cash to Close was estimated to be about {$140000.00} and we had two savings accounts which we could draw on to make up the difference to pay both off. Starting in about the 3rd or 4th month, I was getting concerned about the delays in closing our loan, but learned that the mortgage industry was being flooded with refinances to take advantage of the lower rates being offered, so I tried to be patient. Every month AmeriaSave indicated they were close to closing. At some point along the way I asked them if there were issues with our loan with which they were uncomfortable and really did not want to make the loan, and they assured me that was not the case. I spoke with several individuals at AmeriaSave, trying to get some answers, unsuccessfully. I had a call from XXXX XXXX from their " Customer Care '' department ( XXXX ) who tried to intervene and move our closing along, unsuccessfully. The refinance with the Cash Out would have reduced our monthly costs by a little over {$2000.00} a month, so we were obviously eager to complete the closing. A few days ago I received a phone call from an individual that I had never talked to before, stating he was with AmeriaSave and regretted that he had to inform me that they were withdrawing their offer to refinance. At first I thought it was a scam call as I had had no communication from AmeriaSave indicating a problem ( still have not received anything in writing explaining the reason for withdrawing from our refinance ). I later learned that about 3-4 weeks ago, the Federal Government had changed the rules on second homes and that interest rates and gone up. I appreciate that rules can change, but had AmeriaSave acted in a timely manner, our loan would have closed and we would not have been caught in the regulatory change.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: PA
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 2017-11-05
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.

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 2021-10-21
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ported 4 cell phones and 1 tablet from XXXX XXXX XXXX to XXXX. I was told that XXXX would pay up to XXXX per line once I switched to XXXX since there were still balances on the " leased '' phones from XXXX XXXX XXXX. At that time, I also ported 2 lines from XXXX to XXXX and as a bonus XXXX said they would send me XXXX per line ported. I only received a XXXX prepaid card for XXXX, I think, not sure what the amount was but it was not much. My last XXXX XXXX XXXX bill was quite high because of the remaining " leased cell phone '' amounts that XXXX was supposed to pay them. When I contacted XXXX, I was told that I was too late. The rep at the XXXX store told me that he would take care of everything, I returned the XXXX XXXX XXXX cell phones to him and my last XXXX XXXX XXXX bill. Now, XXXX XXXX XXXX has sent me to collection for a debt that I do not owed, if XXXX was not going to pay off my balances I could have sold the phones for that amount, or more. They were, at that time, 2 XXXX XXXX XXXX and 2 XXXX XXXX Attached is my documentation with the pertinent dates. Thank you for your help.

Company response to consumer: Closed with explanation