BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
By all accounts on all three Credit Reporting companies, my 11 year history has been steady, with an EXCELLENT record of paying on time and reducing credit used as percentage of credit available. Reports were consistently improving and above XXXX " Very Good '' until .... I applied for a competitive mortgage from several lenders. My score and my wife dropped 20 points from Very Good to Good. Therefore reducing my ability to get the best interest rate available. 
These agencies are supposed to report based on credit payment and history, NOT PROJECTION future hypothesis that their algos come up with. I am incensed that they are allowed to hurt my ( and many others ) ability to access credit markets. 
They do not know my Income or Net Worth ( which is substantial ). 
THEY MUST BE REGULATED AND PUT ON NOTICE. HELP FIX THIS!!!! 

I have brought this to the attention of my Congresswoman, and both Senators.

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 2020-06-04
Company: EQUIFAX, 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 because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted company by certified mail and return receipt asking for proof of the alleged debt. They have not communicated back about the validity of the debt.

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 2020-10-15
Company: General Motors Financial Company, 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:
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, AmeriCredit, XXXX XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CURO Intermediate Holdings
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 SPEEDY CASH  3 CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent XXXX  and hardworking as I was also a victim of identity theft when my car was stolen in XXXX  last XXXX with everything loss and I faced huge financial hit with struggles. 
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have noticed many incorrect and unauthorized items appeared in my 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 2018-02-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 filed paperwork to initiate a or a chapter XXXX but have not affirmed/completed the process and have not included any revolving or installment debt. XXXX XXXX has reported the account in a wage earner program ( it is not ), as a charge off bad debt not paid as agreed when the account has never been late is not charged-off is not included in any wage earner program as have not affirmed and just received and processed my payment on XX/XX/2018 for {$150.00}. This is on a account that has always been paid as agreed to date. 

The same applies to the NAVY Credit card and the XXXX credit card has been paid in-full by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Starting in 2012, when I entered my 3 leases with various XXXX Dealerships, I was told UPFRONT at the time of purchase, on each of those initial leases that if I kept my vehicle in good condition and under the mileage agreed to I would benefit from any added value the car was worth. Conversely any excess mileage or extra wear and tear would cost me a fee at the termination. 
After I turned in my first XXXX lease, the mileage was over the allowed amount and I paid the extra fees. However, although I was assured of the same return conditions when I traded for my next XXXX lease, when I went to turn the car in that was in excellent condition UNDER the allowed mileage, I was told by 2 XXXX dealers that Ford/XXXX corporate prohibited them from giving me the extra money on a trade in, even though the car had a blue book and retail value above the residual. They both said I was not entitled to receive any extra money because I didn't turn the car in 3 months before the end of the lease. Since my payments were automatic, I never received any notice or a call that changed the deal I was repeatedly told about. This car was then in possession of Ford/XXXX who profited from their questionable proclamations of their dealer leasing tactics which resulted in costing me approximately $ 2-3,000. 
I wrote to several senior executives at Ford/XXXX  management in XXXX, MI to explain my problem and they replied that they have no jurisdiction over their independent dealer group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX,2017 I went to purchase a car. I asked them to run my credit for a specific loan company and my credit was sent to multiple places and I did n't authorize that as I was approved for the place that I asked them to send my application to. I did not sign a contract to have my record sent to these companies.I mailed a letter to all four of these companies in XXXX 2017 and they did n't respond to me and its now 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 2017-08-02
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX 2017, I received notification I have a debt in my credit report for {$210.00}. Never was aware of the debt - never received a phone call or documentation to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: SC
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:
Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Direct Express denied my fraud claim even though I had local sheriff 's department case number and gave them the name of who did the fraud.. crimes against the elderly and our veterans needs to stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
They suddenly came back and re-charged me for all of my previous purchases on my debit card, resulting in being charged twice for every single one. Since XX/XX/XXXX, I have purchased exactly {$500.00} worth from Coinbase using my XXXX debit card. You will see in the screenshots, that I was charged a total of {$2000.00} within the past 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXX of month. Payment was not at any time past due.

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 2020-05-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with XXXX, the company in which the cards were issued from. XXXX has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and Equifax still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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:
As in my previous complaint, briefly, XXXX XXXX inappropriately removed my loans from repayment program and sent them to full repayment in XX/XX/XXXX. They subsequently debited {$4000.00} from my account without warning. They capitalized {$15000.00} in interest in XX/XX/XXXX and again capitalized {$40000.00} in interest in XX/XX/XXXX. After many complaints from myself and my Congresswoman as well as a formal apology letter from the Department of Education, they finally admitted their wrongdoing however did not reverse their financial mistakes. They always claim they are going to reverse my capitalized interest and that they need 90 days to do this, however, they have been saying this since XX/XX/XXXX and it is now XX/XX/XXXX. In my last complaint, they also provided me with incorrect documentation regarding my Public Service Loan Forgiveness eligibility. Below are my current complaints : 1.  They need to actually reverse my capitalized interest and show me documentation of not only the removal of that interest from my principle but also the removal of any inappropriately compounded interest due to that capitalization. 
2. They need to recalculate my PSLF qualifying payments. Every payment for every loan was a qualifying payment and any payments that currently are marked as ineligible are marked as such due to ERRORS MADE BY XXXX XXXX. I am not to be held responsible for their errors nor will I jeopardize the {$500000.00} of loan forgiveness at stake because of XXXX 's incompetence. They need to account for every one of my loan payments to ensure it is credited toward my PSLF payments. 
3. The XX/XX/XXXX payment did not occur because as I documented in many past correspondences ( and they have acknowledged this and apologized for this ), I was unable to view my loans or set up a payment profile on their website from XX/XX/XXXX to XX/XX/XXXX, during which time I was unable to make a payment due to their errors. They acknowledged they would address this, however in the attached administrative forbearance documents they did not include this date in the administrative forbearance period. As such, that payment is listed as a missed payment ( incorrectly ). 

XXXX MUST be held responsible for these errors. I am at risk of having to pay back an enormous amount of money at the end of my 10 years of XXXX XXXX work due to XXXX numerous and continued errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TN
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 sight of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Equifax of their duty pursuant to 15 USC 1681. It appears Equifax intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made a call today XX/XX/2022 as another attempt to have these errors corrected on my consumer report, but I was hung up on multiple times. 15 USC 168li ( A.5 ) says that after the reinvestigations, all of the unverified information must promptly be removed. Equifax has failed to provide a 100 % accurate investigation for the accounts that are on my account. None of the accounts on my Equifax profile can prove I owe a debt. Equifax couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Equifax consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6821 Congress made it clear that EQUIFAX assumed the role of a financial institution through association.

Equifax never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Equifax to furnish or create any report. I never consented to any account on my report in the first place.

Equifax has also failed to remove addresses and phone numbers that do not belong to me after Ive asked them to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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: Their investigation did not fix an error on your report

Complaint:
I HAVE REQUESTED FROM TRANS UNION NUMEROUS TIMES TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT. THE OTHER 2 BUREAUS DID THEIR INVESTIGATION AND THEY REMOVED THE SAME ACCOUNT DUE TO THE FACT THAT THE ACCOUNT WAS FRAUDULENT AND NOT MINE. TRANS UNION IS STILL REVIEWING.

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 2018-07-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On or about XX/XX/2017 received bill from XXXX the amount was {$410.00}, then XX/XX/2017 the bill was $ XXXX.I was told by the representative for XXXX my bill was paid up for XX/XX/XXXX. and XX/XX/XXXX,. but in XX/XX/XXXX I received a statement on .XX/XX/2017 that I owed {$50.00}. Paid the {$50.00}. Same acct numbers.INCONSISTENCY with the amounts with XXXX.On XX/XX/2017 I received a bill for $ XXXX.On XX/XX/2017 received a bill for $ XXXX.In XX/XX/2017 I received a bill for {$340.00}. This has been going on for a year. This acct. was transferred from XXXX XXXX XXXX XXXX   and none of these Inconsistencies. Since XXXX took over the accts I have seen different amounts every month.Every month my husband have to talk with the representative giving them the ok to speak with me giving authorization to XXXX. I have sent two copies of release of authorization forms for me to handle our son 's acct. We have repeatly asked for an audut for our sons acct. and have not received anything.With XXXX you never know from month to month what your payments will be. The flunctations of payments and the reason for such fluctations.We are suppose to be paying the interest on our son 's loans but each and every month different amounts. Exaggerate payments from month to month even when you are not delinquent with no reduction in balance because of incompetent representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
AFTER 3 PRIOR ATEMPTS TO RESOLVE OVERCHARGING INTEREST WITH XXXX XXXX, IN XX/XX/XXXX I FILED CASE NUMBER XXXX WITH CFPB. 
XXXX XXXX ON XX/XX/XXXX ADMITTED FOR THE 4TH TIME THEIR ERROR AND GAVE AN EST. CORRECTION DATE OF XX/XX/XXXX. AS OF XX/XX/XXXX NOTHING HAS BEEN DONE AND THEY CONTINUE TO OVER CHARGE INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have called Bank of America twice and reached out to XXXX XXXX XXXX in XXXX, and XX/XX/XXXX to remove the account fraud activity from XXXX XXXX XXXX. I have yet to be able to open a check account. This was not a fraudulent activity, the account was opened and a check was bounced but my paycheck was direct deposited in my account. I also filed bankruptcy and this should have been included. I didn't owe anything to Bank of America they took XXXX dollars from me and closed the account and sent XXXX a fraudulent activity.

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