BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Company has failed to properly investigate my identity theft claim. I've mailed and faxed in sufficient documents to support my claim. The credit reporting agencies have send back electronically verified responses. When i call, im unable to get anything resolved over the phone, the most helpful reps have all been located outside of the USA. i've attachment documents to be re-reviewed, hopefully i will get some assistant with the help of this complaint.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

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 2021-02-03
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had withdrawn from XXXX XXXX XXXX before beginning my first set of classes for medical reasons. I disclosed this to the school and they successfully withdrew me. I had already received a few books and attempted to return them. They rejected the return multiple times and charged me over {$600.00} for these few books! Next thing I knew I was receiving calls and letters from Conserve attempting to collect this debt and charging me over {$800.00}, which is more than the actual balance! Then, without validating, they reported to the credit bureaus! I sent three certified letters requesting validation ( XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received responses in XXXX and XXXX to the XXXX and XXXX letters. These letters did NOT validate, did not provide ALL that I requested, NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. They reported to the bureaus before responding to my request for validation and are collecting an inaccurate amount, therefore not only inaccurately reporting they are FRAUDULENTLY reporting this debt to all three bureaus! I've now sent a fourth certified letter ( XX/XX/XXXX ) requesting deletion. I have yet to receive a response or deletion on my credit report from this final letter, nor the XXXX letter that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed complaints and FTC Reports regarding a XXXX XXXX XXXX account appearing TWICE on my credit report. I have contacted the creditor and they refuse to provide any information or why this account is reporting twice to my credit report because they said they do not have my information in their system. It appears that the creditor is reporting personal information that does not belong to me such as an address. This address does not appear on my credit report nor belong to me and I have informed the credit reporting agencies of this information. The credit reporting agencies are refusing to investigate and remove this fraudulent information even though an FTC report was submitted. I don't know what else to do at this point because I have contacted the company, and the credit reporting agencies, and filed a FTC 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 explanation
Consumer complaint received 2020-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
im not sure how you plan to get anything addressed without my personal information but i'm going to try this again. i have been fighting with XXXX , XXXX/XXXX  since early XXXX when they began to refuse taking payments on my acct. they have sent me documents with knowingly false information regarding my attempts to clear up their problem. when it was reported to them that theu made statementsn that were false and which they used to deny loan mods 6 times as well as appeals 6 times that they say i applied for but did not. they have refused to supply copies of documents they say i sent and later admitted they did not have them but say they did nothing wrong. they never supplied a continuos contact and i was forced to tell my story to countless people over and over. they had me cancel a bankruptcy and denied me again. they have lied, stalled and done everything they could to foreclose my property. i have reported all of this to XXXX XXXX and have been met with more of the same if not worse treatment. they claim to have looked into and found nothing fraudulant. i have been lied to, hung up on and refused any recourse when it is obvious they have both broken federal laws. in XX/XX/XXXX they all wanted this to go away so they transferred me to sps to serve as the new acct servicer. i was immediately receiving the same type of letters with false information regarding apllication documents. we entered a written agreement that i would be considered for all avenues to modify my loan and no further foreclosure activity would be pursued while i gathered the documents they requested to be due in by XX/XX/XXXX. i had everything they asked for in by then on time. on XX/XX/XXXX a rep call and asked for more information which i did provide and she mistakenly revealed that they had been pursueing a sale date although there was an agreement in place that it was not to happen and secured a sale date of XX/XX/XXXX. i then advised that they were dual tracking which she did not deny and they quickly had that cancelled. the forclosure atty, sent notice that i had a payoff of some XXXX which is XXXX higher than sps has said. i have reported all these infractions to everyone involved to no avail and they choose to ignore any wrongdoing. i have been harmed in every conceivable way from my credit being destroyed, mentally, financially and physically my life and marriage of 36 years is in shambles from the stress we have been put through. cfpb did nothing in the past with XXXX   violations and the torture has continued. i would have thought that a consumer financial protection agency would protect the actual consumer at some point so here i am once again seeking protection and to be made whole from all that we have endured. i have written and recorded evidence to back up everything i have said and am ready to produce it anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CO
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: Other problem getting your report or credit score

Complaint:
I have tried to access my credit report through equifax. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from equifax help me and they couldnt get past the loop either. Equifax has outdated information on my report with inaccurate account information that need to be disputed. 

XXXX wont remove an account that is XXXX years old. XXXX has locked me out of my account. There is a lot of inaccurate information on my transunion report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid and closed through XXXX. For some reason it has yet to be removed from CHexSystems

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

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 2023-07-24
Company: Sezzle Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Several months ago, I made multiple attempts to work out an arrangement so that I could keep my account in good standing. I either did not receive responses, or the email responses had XXXX to do with my request. 
I then began receiving emails stating to catch up on my payments in order to keep my account in good standing, AFTER I noticed that my account was showing as CHARGED OFF with the credit bureaus! I then sent numerous emails asking if my account had been charged off because I received no notification since it is not with a debt collection! They closed the account last XXXX with XXXX notification even while I continued to contact in the attempt to set up an arrangement!

Sezzle continues to pretend and send me false documentation stating my account is open and if I catch up on payments then I can use my account, which is false! 
I sent numerous emails trying to clarify the status and not only does it take days to get a response, I can not get questions answered truthfully!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: I.C. System, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. 

I sent a cease and desist letter to IC Systems. I never gave them permission to communicate with me on any medium and I have requested that they stop communicating with me on all mediums, included but not limited to : credit reporting agencies, telephone, mail, social media etc. 

This letter was sent via certified mail, and I have attached the letter and certified mail receipt attached to this complaint.

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 2020-01-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

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 2021-07-19
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened a Auto Loan with Kia Motor Finance on XX/XX/XXXX. Since I opened this loan I have had issues with KMF applying my payments to my account.Every month I have to call customer service after my payment task them to do so. After I call it takes around two weeks for it to be applied and its usually time for the next months payment to be made. 

After dealing with this since XXXX, I have also had to complain about them applying my payment towards late fees that I should not of had due to my payment was made on time and KMF reporting incorrect information on my credit report. 

The major complaint is that my payments after applied is being distributed incorrectly. Please Note that my Due date is the XXXX of the month @ {$570.00} Examples : Date:XXXX. Payment:XXXX. Principle : XXXX Interest:XXXX XX/XX/XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I made an attempt to put my payments ahead by 2 months so I would never be behind.Since the computer and the company could not keep up with payments, I am not ahead at all. Instead they calculated my payments incorrectly. Also during the time that I was making extra payments they had another system glitch that completely wiped out ever single payment that I had made since XX/XX/XXXX. After the payments were put backing the system over 30 days later, nothing was the same. My account was even showing past due when I made extra payments to be ahead on my payments by two months.

KMF has made it very difficult to remain accuracy with my payments.I really wanted to make extra payments so that I could have paid my vehicle off early. KMF customer service does not help solve any of these problems. KMF gives an excuse every single month that I am not the only customer dealing with this issue but this has been going on for years.

I am absolutely convinced that due to KMF applying my payments incorrectly, I should owe less on my vehicle than what is being showed.

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 2023-08-27
Company: Conn's, Inc.
State: TX
Product: Credit card
Sub-product: Store credit 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 made a purchase a Conn 's Home Plus in the amount of {$3200.00}. The order was canceled within 24 hours and no delivery of merchandise occured. As of XX/XX/2023 a pending charge is still active on my account. When I called Conn 's approximately 1 month later, I was told it can take more than 30 days to release the pending charge. I have also contacted the issuer of the credit card for the store, XXXX XXXX  and was told they can do nothing. I asked repeatedly ( via chat ) if XXXX allows the practice of merchants holding pending charges for this long and never received an answer. Even hotels release pending charges in a timely manner and I am not sure why it takes so long or why a merchant is permitted " months '' to release a pending charge. 

XXXX XXXX {$320000.00} Purchase on XX/XX/2023 XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife XXXX XXXX was scammed through zelle on XX/XX/XXXX my wife got a call that a zelle fraud was on her account. 
call came from XXXX XXXX XXXX XXXX ( most likley a spoofed number ) our bank XXXX XXXX  called and talked to both banks, they are currently doing an investigation into it. But im starting this complaint in case the banks cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Westlake Financial Services is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Westlake Financial Services did not give me notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( 3 ). I am the consumer and the only one that can validate my obligation to any alleged debt pursuant to 15 USC 1692g, I have requested that Westlake Financial cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I have also requested the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b ).

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized 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 2021-02-03
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
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:
My lease ended in XXXX of 2019 with Acura Financial Service..also doing business as American Honda Financial. After completing the terms of my lease, I opted to buy my car Cash. I completed all the paperwork after buying the car in full and still have not received my title. Nearly a year after my account was closed, it was reopened with a new charger is {$100.00}. I requested, on multiple occasions for an explanation of the new charge and proof of my financial responsibility and for 2 years went in circles with no proof. I feel like it is a bougus charge. I recently hired a lawyer who settled with American Honda Financial for {$52.00} and my account was closed once again and still without a title! Ive paid over {$45000.00} for this car and can not trade it in or sell it because this company refuses to give me my title! 
Please help.

Company response to consumer: Closed with explanation