BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-07
Company: Herbert P. Sears Co., Inc.
State: CA
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:
In XX/XX/2017 i sent a dispute by certified mail for this said debt with HP Sears ( XXXX XXXX ) in the amount of {$2000.00} to validate this amount owed. With no response I filed a complaint here in a separate complaint against the creditor. In which The creditor agreed to have this alleged debt removed from all 3 bureaus Within 45 days after failing to provide proof. The collection was removed from XXXX  and XXXX but remain on XXXX. I followed up with the Bureau twice since then, requesting they remove the debt and was advised that they never received notice to do so. This creditor has also not reported since XX/XX/XXXX. I am asking that the Bureau XXXX remove this debt immediately as promised and report accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm being charged for a medical bill for my son that has already been tooken care of, i recently contacted XXXX  about this matter and was told that the debt will remain because its my account that hasnt been paid which it has i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back on XX/XX/XXXX I was closing a refi with quicken loans. On the XXXX of XXXX I called my broker to have him explain fees. I was prepared to move or cancel the closing. I was told that XXXX would be paid to the insurance company for the XXXX policy year. 
I just found out they never Paid it, I called and XXXX XXXX opened an investigation and even though he heard the phone call where my mortgage broker old me he was paying the insurance he said that was put in " I pay before closing column '' and he could not pay it, so basically they stole XXXX from me if I knew it was my cost I would have backed out of the loan and when with a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase XXXX and XXXX only removed four to five of the inquiries.

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 2020-11-15
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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report, underage with XXXX XXXX, XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

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 2022-08-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been contacting EQUIFAX to notify them that they are in violation of Title 15 USC 1681b ( 2 ) by furnishing my consumer report without my consent. They are refusing to correct the errors that I have expressed. [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXXDEPT OF ED - {$7700.00} ( account has been being reported for 27 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX ; XXXX OF XXXX - {$2500.00} ( account has been being reported for 63 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXX XXXX/DEPT OF ED - {$6000.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX XXXX/DEPT OF ED - {$3500.00} ( account has been being reported for 80 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number XXXXXXXX XXXX XXXX XXXX - {$28000.00} ( account has been being reported for 29 months without my consent. ) ], [ Dispute submitted XX/XX/2022 confirmation number : XXXX INQUIRIES FROM UNKNOWN SOURCES - 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. I have requested that EQUIFAX remove each of the above listed accounts as I have never consented to the assembly or furnishing of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Chrysler Capital auctioned off the vehicle in XX/XX/2020. They basically want me to pay the full amount for the repossession. The car was for {$16000.00}. After the car been auctioned off, they said the remaining balance I would pay would be {$11000.00} for a XXXX XXXX so that mean they only sold the vehicle for {$5000.00}. I would like my settlement payment to be lesser.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to access my TD Bank checking account with {$1200.00} using my debit card at two separate financial institutions and the transaction was cancelled without explanation. I received a voicemail message to call the Fraud Toll Free No. XXXX and was advised that they could not assist by phone, that I had to call customer service, or send a secure message behind their secure web app. After calling customer service XXXX I was advised that no one could assist - I was locked out of their customer support 0 and I was directed to go into a branch. The nearest branch is 20 miles and not open beyond my core work hours XXXX. I have been limited access for no apparent reason to my resources and the financial institution has not provided an adequate explanation or support to enable me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
This is a Dispute against Citi Cards for a Fraudulent Transaction. 

Unauthorized/Fraudulent transaction in my XXXX,2020 billing statement from XXXX XXXX XXXX XXXX TX for {$5800.00}. 

I noticed that this was a fraudulent transaction and informed Citi Cards, Citi took a statement from me and asked if I have the position of the card and I told them that I do. After a few days Citi sent a letter stating that I am responsible for this payment as this card was used physically. 

Me or my wife never went to this store and have not purchased any equipment from XXXX, XXXX, TX. 

I did file a report with XXXX Police Department in the month of XXXX,2020. 

I have formally requested Citi to provide me any evidence that I have used this card at XXXX XXXX, XXXX, TX. 
1. Signature of the Transaction from XXXX 2. Camera or Footage of me entering this facility.

3. Any other evidence you have that can prove that I used this card in that facility. 

They refuse to provide me any information and have been charging monthly interest on the disputed amount.

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 2021-03-25
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial has not paid my city taxes -- the money is sitting in escrow. I was not aware, obviously, until I received notice from my city tax office that a lien has been placed against my home. I have made two calls and gotten zero action. I can't get in touch with anyone with any authority to address the matter. This organization is apparently horrible -- one star ratings and a class action lawsuit. My loan was sold to them so I had no say in the matter ... that I'm aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a vehicle from XXXX XXXX XXXX on XX/XX/2015 in XXXX, CA. The finance company that agreed to be my lender is Consumer Portfolio Services Inc. When I went to purchase the vehicle, I had just completed a Bankruptcy, two days prior. So of course, my interests ' rates from the Consumer Portfolio Services were going to be high. 


In the contract I signed, the total loan amount including finance charges is {$24000.00}. CPS finance charges annual is 20.45 %, total finance charge of {$8900.00}, for a amount financed of {$14000.00}. Five years has passed, and the vehicle is still not paid off. I started calling customer service inquiring about why my principle on the vehicle was still so high. So, I decided to print off my payment history from the website, and found out that I have paid {$12000.00} in interest, {$3800.00} more than on the contract. My principle paid off is only {$9500.00} in 5 years. I have paid {$22000.00} on the loan, but I still have a balance of {$4900.00}. 

I need help getting this account corrected with Consumer Portfolio Services Inc. The amount of {$3800.00} that has been applied to interest should be applied to my principle. This company has a lot of bad reviews with current and prior customers stating they were cheated by CPS with them charging more on the vehicle than they should have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/20 I was browsing around my US Bank app and stumbled apon the monthly maintenance fee for my checking account ( silver package ), it said click the link to find out how to avoid the monthly maintenance fee. I proceeded to investigate and it stated my account would be free if I had direct deposits greater than {$1000.00} each month, at this point I was very upset because my direct deposits have been well over {$1000.00} each month for the past 5 years I've been a customer. I went to my local branch to sort this matter out and come to find out they got rid of my account package 2 years ago and i was never notified and they continued to withdraw money out of my account. The branch was only able to refund 3 months of service fees which I believe is unacceptable! My own bank has been stealing money from me for 2 or more years. Monthly maintenance fees are {$6.00} multiply that by 24 and thats {$160.00}, and if I've been wrongfully charged for 5 years thats {$410.00}. I also tried to contact customer service myself and ended up with the same results they are only able to refund 3 months. This is wrong and I'm reconsidering banking with US Bank.

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 2018-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
( 1 ) What happened? 

On XX/XX/2017 I disputed my Bankruptcy with XXXX XXXX XXXX XXXX. 

It was deleted on XX/XX/2017 Rpt. # XXXX. 

The Bankruptcy was re-inserted XX/XX/2017. 

I have called Equifax and I have been trying to get a hold of the situation regarding the re-inserted Bankruptcy. The refuse to acknowledge the FCRA Legally Binding Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
About 3 years ago, I had a debt relief company " XXXX XXXX '', help me with some debt relief. Paid them a total of approx $ 10K. Everything went well. No issues. Everything seem to be taken care of.

About a month ago, a company called Crown Asset Management filed a lawsuit on me for some old debt that was " taken care of ''. ( suing me for some added up debt of approx $ 18k ) I wasn't notified by Crown Asset Management, only to be caught by surprise, a lawsuit. " XXXX XXXX  '' appears to be out of business as of sometime in XX/XX/XXXX so that is to no surprise.

My only action was to get an attorney on my behalf to help with this matter.

On top of everything, my attorney found some charges that I am being sued for that I believe were from identity theft. From the little information that we found record of, there was at least three transactions on XX/XX/XXXX in the amount of {$1500.00} that I believe someone stole my identity and used. Maybe even more before that.

There are two companies I wish to file complaints on, Crown Asset Management and XXXX XXXX.

They may even be connected together in this scam ... ... ..I don't know, but intend to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

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 2020-11-15
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2021-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX  are not properly investigating my claims. I have been saying for years XXXX XXXX and XXXX XXXX were using illegal tactics to recover on a debt. 

XXXX  XXXX, held the debt longer than necessary. They held a debt for 3 years. 3 years when they could have sent it after 120 days. 

Instead of 3 months, they waited 3 years to maximize the amount of damage they could do. XXXX is a willing participant because they acquire POCKETS/PACKAGES of debt in bulk without doing research on each individual account. 

It is absolutely unfair and ridiculous that they were willing to go hand in hand with borderline fraudulent or at least malicious activity. Stop it. Youre better than that.

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 2021-03-02
Company: Risecredit, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My payment was due on XX/XX/XXXX. I schedule payment for XX/XX/XXXX to save a few dollars on interest but the online system wouldnt allow me to payoff for the XXXX or XXXX of XXXX. After reaching out to customer service. A supervisor stated I couldnt change the payment date or cancel regular payment to payoff earlier because it was sent to the bank to be ach on XX/XX/XXXX. Three days before due date to hit account on Monday XX/XX/XXXX. The supervisor explained he was going to reversed the second payment to equal up to my actual payoff of XXXX to be scheduled on XX/XX/XXXX. However on Monday XX/XX/XXXX. I have a remaining bal of XXXX and was told by the representative that the higher ups wouldnt accept the second payment that on my account and I was responsible for the remaining payment. 
I have paid XXXX this loan. If the company wouldnt submitted the payment 3 days earlier I couldve paid the payoff on before or before the date due. Interest is adding daily on the balance that supposed to been XXXX. 
I have talk to several representative and I am being told the pay off wasnt accepted that the supervisor submitted due to the fact the ( supervisor ) quote me the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX {$6900.00} XXXX XXXX {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation