BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MI
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:
THESE ARE UN AUTHORIZED INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-09-24
Company: CORELOGIC INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

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 2022-06-16
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX ssn XXXX XXXX XXXX. An account was opened with Truist that I do not have an account number for as I did not open it. I have requested now twice for the account to be closed and they since have sent me information on my new account. When I asked to speak with a manager they did not comply.

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 2023-09-24
Company: AMERICAN HONDA FINANCE CORP
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

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 2018-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and equifax XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: BMW Financial Services NA, LLC
State: SC
Product: Credit reporting 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:
I requested a bill statement from the creditor, and account holder. The information enlisted on the report is incorrect. Please remove the following accounts and information from my personal credit report including XXXX, XXXX, XXXX, my social security number and address. It does not belong to me. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX XXXX, 2015, I requested, and received, a free credit report from TransUnion on the basis of adverse action ( denial of credit ) that was taken against me. 

Today, on XXXX XXXX, 2015, I received notification of another denial of credit based on a TransUnion credit report, so I requested another free credit report from TransUnion on the basis of this denial. However, TransUnion refused to provide a new report, stating " You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional report at this time. '' and attempting to sell me a credit report. 

The Fair Credit Reporting Act requires TransUnion to provide a free credit report upon request if I have had adverse action taken against me based on a credit report provided by them. It does not place any restrictions on the frequency of such requests -- a new adverse action can be the basis for a new request, no matter when the last request was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi, I recently got into a XXXX XXXX XXXX which has a lot of issues with performance. I looked at XXXX XXXX XXXX and saw my vehicle is only valued at roughly {$600.00}, my total car loan for my vehicle is {$10000.00}. I have a APR of 23.90 %, with a fiance charge of {$2100.00}, the vehicle is breaking down at an alarming rate which exceeds what I can pay for maintenance. I've contacted the dealership explaining the issues the car was having and asked if they offered a loaner vehicle while I tried to get the vehicle fixed under my warranty with them. I was then informed by them, that they dont offer any loaner vehicles, which I would need to be able to commute to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We are in our XXXX and having excellent credit and have a long history of credit situations yet when we applied we were told we did not have enough history to generate a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Sulphur Bank Rancheria Enterprises
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell behind on payments then after speaking to an attorney I found out the loan was illegal in my state. The loan company went on to send a letter to my employer to garnish my wages without a court order. The deducted 15 % of my pay. This is illegal and I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: WI
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  account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602. A states i have a right to privacy.

15 U.S.C 1681 section 604. A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Last XXXX, 2020 Fifth Third Bank agreed to remove a charge of {$990.00} from my account and sent me a new credit card because someone on XXXX had purchased a Virtual Reality Headset on my credit card. It was not me. My husband wanted to make a purchase on XXXX and put in our new credit card number. They proceeded in XXXX, 2020 to put the charge of {$990.00} on my new card. 

I have been fighting with Fifth Third since then to get this charge removed. For some reason, I did receive this unit from XXXX / XXXX XXXX. At the instruction of Fifth Third Bank, I returned the unit to XXXX XXXX and have proof of the return being sent and received by them. 

XXXX did send me a letter indicating my account was compromised and assured me they changed the account back to my information. I sent XXXX XXXX a copy of this letter. I called XXXX XXXX on the XXXX of XXXX. They won't let me talk to the investigators. They said the account had been closed due to time passed. 

So what? the money is now accruing interest and I refuse to pay this bill, I sent back the unit and XXXX XXXX has done nothing!!! 

I have since closed my account with XXXX and do NOT use the paypal account associated with it. As soon as I figure out how, I will close that too. 

I need help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Access Capital Services, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a validation of debt letter to Access Capital Services regarding a debt for XXXX XXXX XXXX that is highly disputed. I disputed this item with the credit bureaus as this debt is almost 10 years old, and that resulted in Access Capital incorrectly asserting this debt is only 6 years old, a clear attempt to manipulate that statute of limitations to continue unlawfully reporting this account. 

The Fair Debt Collections Practices act is clear that they must respond to my validation of debt request within 30 days and prove that this account is within the statute of limitations like they claim it is, to date is has been almost 60 days since my written request and I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have received notification from my credit monitoring agency ( XXXX XXXX ), there was an inquiry reporting to my TransUnion credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling XXXX XXXX to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for Transunion. 
Unfortunately there is no way to communicate with XXXX at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on 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 2015-11-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2019, I opened a credit card with Lowe 's, serviced by Synchrony Bank. I have been paying that card on time, when all of a sudden, I got an e-mail from XXXX XXXX that my account was closed without notice. I complied with everything. Synchrony ruined my life and this is not the first time they do it.

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 2021-03-05
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I previously filed a complaint ( complaint ID XXXX ). This is my original complaint : " Beginning XXXX XXXX, I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney. '' The company responded with an apology and stated they had removed my number from their system yet I am still receiving calls multiple times daily and have informed them they have the wrong number. The reason for this is the company removed the wrong number. The number they removed is XXXX. My number is XXXX. I will be forwarding all of this information to my attorney because this is totally unacceptable and I plan to seek damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.

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 2023-06-14
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a new XXXX XXXX in XXXX. I have had this vehicle for six years and the vehicle is in my possession presently. The payments have been {$480.00} per month. I have experienced financial hardships on and off over the course of the loan and particularly during Covid pandemic. However, I have continued to adhere to agreements when the lender would give me time to make a payment. They would defer payments to the end of the loan. The statements that I received did not seem to be accurate or up to date and were confusing. Then I stopped receiving statements in approximately XX/XX/XXXX. As of XX/XX/XXXX a credit report shows that I only owe {$14000.00} I have continued to send payments of what I could and the last payment that I made was {$600.00} in XXXX. I have been unemployed since Covid in XXXX when I lost my job but I made payments on and off less then the actual payment amount which caused late fees. My daughter was helping me as much as she could. The lender seemed to charge off the account in XX/XX/XXXX which I don't understand because my account remained open and I was still sending payments as early as XX/XX/XXXX and continue to send payments. I had received several default notices between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to send payments during all this time at least between {$100.00} to {$600.00}. I have called XXXX XXXX many times to get help so I would not lose the vehicle because I really do not want to lose this vehicle which I have invested so many years in. I just did not get effective communication with customer service or to speak with anyone in authority and always having to explain everything over and over to customer service and would be told even though I was sending payments that the car could be repossessed at any time. This is a very stressful way to live and I have been making payments and I am just thankful that I still have my vehicle. I keep the vehicle insured and registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My PNC checking account has been linked to my XXXX account for XXXX years. Today while trying to complete a transaction on XXXX I received a notification asking me to verify my bank information. After verifying the information, I received a message saying that PNC has made a change that prevents me from being able to link my bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: I.C. System, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems representing XXXX XXXX XXXX I paid the debt in full. ( XXXX ) and IC Systems has charged my debit card XXXX! For a total of over XXXX US dollars. This is absolutely unprofessional and what I consider theft! I spoke with XXXX at ext. XXXX

Company response to consumer: Closed with explanation