BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-24
Company: BROKER SOLUTIONS, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I was in the process of deciding who to refinance with, I had it narrowed down between two different loan companies. I told one company that there was about {$2000.00} difference in the closing costs in the loan estimates. That loan officer told me that if I got my documentation in that day, he would get me exceptions to match the other company. He stated this on a phone call and over email. This is after I had broken contact with my other loan options since I thought that this person would hold true to their word. 

I got my documents in and he did not get any additional exceptions. Even though I have an email with him stating that he would do this, the company is telling me that there is nothing that he could do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened a XXXX account many years ago and this collection agency placed a XXXX $ payment on this fraudulent debt to extend the negative mark on my credit report for an additional 7 years. 
Unethical in the actions of the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  inaccurately reporting accts after documentation sent in

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : 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 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

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 2019-04-18
Company: Client Services, 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 status incorrect

Complaint:
I had a XXXX XXXX account in collections. I was told by the debt collector that if I paid the outstanding balance that the negative information and late payment history would be removed once paid. I paid the agreed settled amount of {$93.00} to Client Services who collects for XXXX XXXX as their in-house collections, that the debt and history would be removed within one business day. I have checked my credit report and still see that there reporting an open collection with XXXX XXXX and a history of late payments. I feel this is Deceptive Trade Practice to tell a consumer if you pay, we delete. The account remains unchanged from my credit report by XXXX XXXX. Account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: NAVY FEDERAL CREDIT UNION
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:
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 USC 1681 Navy Federal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU # XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting incorrectly a payment amount on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.

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 2021-06-27
Company: ID Analytics, Inc.
State: MN
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 theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX  for the last 17 years. Review attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: City Enterprises, LLC
State: VA
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 paid off the car XX/XX/XXXX. I was told XX/XX/XXXX that they would send the title. I confirmed it's fully paid off. I got home from a trip the XXXX, not there. I called, they said it was sent. I got home from a music festival the XXXX, not there. I was told go to the clerks office and get a duplicate title. I go the XXXX to the clerks office, it's still showing the lien. I move on the XXXX. I called to get an email with the VIN. The person who can do that is out until Monday and nobody will send the email. They won't give me a copy in person. Its my car. I own it. This is a class C misdemeanor apparently in Tennessee. I have to have it the XXXX and they've been nothing but rude. I've had to take work off to do this.

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 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is a complaint concerning Bank of America. We had a collection agency do a bank garnishment from a 12 year old debt. Credit card from XXXX sold to XXXX. So without warning Bank of America froze our account for triple the amount that was owed. Amount owed was {$7600.00} they held 2 amounts {$22000.00} and XXXX. We had {$8700.00} in our account at the time. We were told it could be frozen for months. We went into the bank XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX we have no access to money. Bank of America said they will pay them {$8200.00}. Boa is negotiating our money no money no one will tell us where that amount came from. The original debt was {$7600.00}. This is how you treat a sr citizen we cant get medicine or anything. Yes we paid our bills perfect until the market dropped in 2007. Since that time bills have been paid. We are sick over this. I work in XXXX and can not do anything without proper notices. We need help with bank of america

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 2019-11-02
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt with XXXX XXXX, I got behind and they contacted an attorney to serve a judgement. I contacted through their attorney Brock and Scot and made arrangments to pay. They continue to update XXXX and XXXX falsely month over month with a past due balance of {$270.00} I have disputed with everyone. They send me back notices saying they verified with XXXX XXXX its correct. I have contacted the attorney they say they have notified them its paid. They provided me documentation its paid in full and I even submitted that documentation to the credit bureaus and they refuse to correct the information with proof I provide. XXXX was the only company to correct it when disputed. At this point I demand they delete this from XXXX and XXXX. I have been harmed month after month even after I provided proof to each bureau of its inaccuracies..I have been denied credit based on this and I have tried for 3 months to give them an opportunity to correct there mistake. This is unfair and most importantly inaccurate and the fact that this company has verified information as accurate when it is not month over month is mind blowing. Also the fact that XXXX and XXXX get away with ignoring valid documentation to correct is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX XXXX XXXX, GA XXXX Incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am not responsible for this debt with XXXX XXXX. I do not have a contract with this company. They did not provide a contract as requested.

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 2019-04-19
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Honda Financial Service, is the bank I have my XXXX XXXX XXXX    Finance, and has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan. I make all payments on time. I contact Honda Customer Service and they said that the bureaus don't want to accept the reports, and the bureaus said the Honda never had sent anything and that they don't denied any report because it was never sent. 
I need it update because I'm looking to buy a house and I need those installment payment on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was advised to purchase a prepaid package of waxing services from the XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Although I still had services left on my current package that would last me until XX/XX/XXXX, I did so since they were offering additional free service. Based on my usage the new package would cover the period from approx XX/XX/XXXX - XX/XX/XXXX. When I called to make an appt on XX/XX/XXXX, I was told XXXX had sold but the new owner would honor the prepaid packages until XX/XX/XXXX. The representative of the new store, XXXX XXXX, said I should contact XXXX for a refund of the new package since there was no way I could use it by XX/XX/XXXX. She also indicated most customers did not get a response and therefore declined the payment through their credit card company. I called and emailed XXXX with no response. I disputed the charge with Chase on XX/XX/XXXX however, the merchant indicated they believe the charge is valid and Chase rebilled my account. I spoke with Chase and explained the situation and was told to resubmit more detail which I did but I received a letter indicating the charge will stand. The merchant provided a history of my visits which clearly shows I will not be able to use the services I was sold by XX/XX/XXXX. XXXX should not have been selling prepaid packages giving their upcoming sale which I am sure they were aware of. Additionally the new wax center is not of the same quality as XXXX and I am not able to obtain services there. I did go and use one of the remaining services on my existing packages and the inferior wax product combined with the use of baby oil versus aloe after the waxing caused an XXXX XXXX. Chase is definitely not a customer friendly credit card company if they think the merchant should be credited for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 non-monetary relief
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account is still on my credit report still increaseing payments Because This Account is in Depute over 3 years.

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 2019-11-02
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-02
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 2023-02-17
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that I need immediate investigation : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$24000.00} UXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$0.00}. Under the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the disputed accounts I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: Action Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Action Financial Services refuses to contact me in writing by email or post. Instead, they keep calling me and demanding different documentation. I have sent them everything I have at present. I would like to enter loan rehabilitation but they seem to be delaying the process. They will not provide me with any written information about what I owe and what documentation they require for me to begin the rehabilitation process.

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 2019-04-18
Company: DISCOVER BANK
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Discover allowed an unauthorized person to get added to my account and charge over {$10000.00} worth of fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason

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