BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2017-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My accounts with :   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX    XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.     Please remove these erroneous accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have a mortgage that was being reported to all  3  credit bureaus for since its opening in   XXXX   XXXX    , suddenly my positive mortgage payments now stated mortgage paid and account closed which caused a significant drop in my score. However my mortgage was not paid off and I am still paying my mortgage but nothing is reflecting on my Equifax credit report but is showing up on   XXXX   and  XXXX  I  have contacted my mortgage company and Equifax numerous time and my mortgage company assures me they are reporting correctly and even provided a certified letter as proof and for me to submit to Equifax. However equifax is saying that since they do not see the account then there is nothing to dispute and everytime I call they are not understanding that I am asking them to update and add my account back as my mortgage company   XXXX   XXXX   is even asking them to do. I have a valid, pays as agreed account that the mortgage company says should be reported to Equifax as it being done with the other  two  bureaus and Equifax is refusing to do so, even with calls from my mortgage company and submitted written documentation. No one ever authorized any change or submitted any proof of payoff. When I talked with an Equfax rep they said it was updated to that and then removed because a dispute was not responded too, however my dispute was only regarding the balance because my account wasnt updating to show monthly payments and was always months behind. I can not get any assistance and not only did this make my score drop by almost  40  points when it was removed, the positive payment history is not there to even improve my credit rating. I need help badly with getting Equifax to understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
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 was alerted that my Social Security number and Private Information PPI were being used on the " dark web ''. I contacted XXXX, XXXX and Experian and noticed several unauthorized inquiries on my file reports. When I attempted to dispute these HARD INQUIRIES with the three companies, they stated I need to file a police report. I do not want to waste our tax dollars on reporting to the POLICE when the resources are needed for actual human life emergencies. Therefore, I am submitting my complaint to CFPB to investigate per the 15 U.S. Code 1679c and other statutes. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I returned an item to a catalog company called  XXXX   XXXX . They had to refund my money by check instead of putting it back on my credit card. At some point in the mailing process someone got their hands on the check and cashed it signing their name to it. I called the bank to report the problem and they told me to call   XXXX   XXXX   that they could not help me, nor do they have a fraud department I could speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Financial Credit Service, Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The loan date is back in  XXXX , and last activity on that loan on my part was in  XXXX . The loan company is located in Maryland, and the loan was taken out in Washington state. The place contacting me is out of  XXXX , IL named  ARA (    Asset Recovery Associates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: EQUIFAX, INC.
State: FL
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:
This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.

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 2017-04-18
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BBVA FINANCIAL CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Money was taken out without my authorization in the amount of  XXXX  dollars a transcation transcation of  XXXX  in  XXXX  Delaware and one for  XXXX  in Wisconsin

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is reporting inaccurate information on my credit report and refuses to verify these accounts with the alleged creditors. I mailed TransUnion a letter on XX/XX/2020, disputing an account by the name of XXXX XXXX XXXX on my credit file. TransUnion received this letter on XX/XX/2020 and hasnt responded to the letter or completed and investigation within 30 days, which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). The letter was sent to TransUnion via certified mail with the United States Postal Service and requires a signature for release, I have attached a screenshot of the tracking information from USPS dated XX/XX/2020 showing that this letter was received on XX/XX/2020. I have also attached the letter dated XX/XX/2020. It is XX/XX/2020 and I still havent received anything pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately. TransUnion has violated multiple federal laws and continue to report negative information on my file, I believe theyre in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a loan with  XXXX   XXXX  ( now Navient ) in     XXXX   for {$10000.00} for  XXXX   XXXX   XXXX  A  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  the years I have had endless fits with them. I 've gone through unemployment and low income periods and they 've never worked with me other than putting me on a forbearance which I now know has done more harm than good. I 've been hung up on numerous times over the years. In the beginning I paid them $   XXXX  , but the past  XXXX  years I 've paid them $  XXXX . Out of that {$200.00}, {$130.00} goes to interest  (  12.1 % ) I 've talked to them about getting in lowered and nothing gets resolved. I 've drained my savings accounts just to try to pay this back and I feel like I 'm not getting anywhere. After   XXXX   years, my remaining balance is {$140000.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: WELLS FARGO & COMPANY
State: MS
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 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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: Reporting company used your report improperly

Complaint:
This company has violated Hippa laws I demand they are investigated

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 2022-08-25
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I purchased a {$100.00} American Express prepaid giftcard. My son 's friend got in my purse and register and put the card back. When I went to register it it had XXXX left on it. The customer srvice people said that {$98.00} was used of XXXX XXXX. They told me to call XXXX. and they said they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX -Amount {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$1500.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) - Opened XX/XX/XXXX - Amount {$94.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX - Amount {$1900.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$9000.00} XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Comerica
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hello my name is XXXX XXXX I get XXXX and money is disappearing out of my account I get a certain amount and before I could even get to the atm money was missing so I left a certain amount that dissapeared last 4 5 months someone is taking money I dint know what to do but I'm positive I'm being stolen from can you help XXXX I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was paying off a loan until my income vhang d drastically. I had paid over a year and was down to {$300.00}. Tower Loan garnished my wages. My bank informed the company that my income was federally protected XXXX XXXX direct deposits. The creditor resent the garnishment order again anyway and removed {$300.00} fromy account and had the bank to freeze my account for XXXX XXXX. I contacted the bank and they told me to contact Tower Loans. I contacted the manager and asked her to release my funds on XX/XX/2019 She was extremely rude, unapologetic, and said that she was told my funds were protected but that she could release the funds back to me whenever she wanted to then hung up the phone on me. She refused to talk to the bank representative or release my funds. I had already dealt with Tower Loans manager when she came to my house to repossess the collateral furniture I had bought through the loan company. I brought the items to her to satisfy the {$300.00} remainder on my loan. There was a couch, rug, and two bed frames. The manager said she could not take the items in her car that day bout would return with a truck. She never came back and instead garnished my account month after month. I was not protected by my bank XXXX XXXX whom I have banked with for over 10 years. Tower Loan is deceptive. I had XXXX perfect loan histories with Tower loan but fell on hard times with a mere {$300.00} balance and they refused to work with me and decided to mess up my accounts placing holds, holding money I needed to pay rent, buy diapers, and feed my children. Tower Loan on XXXX XXXX in XXXX XXXX XXXX not a good company to work with.

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 2020-04-22
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I became aware that I missed a car payment with Ford after it had been reported 30 days late and showed up as a derogatory mark on my credit report. I missed this one payment of {$500.00} in XXXX  or XX/XX/XXXX depending on the credit reporting agency. XXXX reported it late in XX/XX/XXXX, XXXX reported it late in XX/XX/XXXX, and XXXX reported it late in XX/XX/XXXX according to my credit reports from each bureau. 
I had my first 3-year lease with Ford that started in XX/XX/XXXX and I made all the monthly payments on time and then released another car in XX/XX/XXXX. My second lease with Ford is where the one-time-late payment occurred. I messed up and didn't update my banking information for the monthly payment to come out of the new account. When I closed the old account, I forgot to update and give the new account info through the automated system. I didn't realize the nonpayment occurred until I found out on my credit report that I was marked as " 30 days late ''. 
As of today 's date, XX/XX/XXXX, I have successfully paid off the 2nd lease in full and have not had another incident of a late payment since that last occurrence. The last payment was processed on XX/XX/XXXX. I would typically make a $ XXXX  monthly payment which was more than the assigned amount of {$420.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted more than5 applications with have all been denied. When talking to my loan company the stated that my 2 nd application placed with them was denied because working for XXXXXXXX XXXX and XXXX XXXX was not income. So I spent months finding two different jobs and I reapplied. Since then I have been lied to, denied again and have been told that now since I make {$4500.00} a month I still don't make enough. I made less money when I got the home and have been calling the loan company every day they still haven't told me why I'm denied even though they said they cancelled the for sale on my home and I was approved. Now I'm denied for not enough income and no one will talk to me what do I do now I call everyday please help me

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 2017-06-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I have seen the Public Record in my report, it 's over 7 year s BKPT C T AZ  XXXX  -  XXXX  Under the provisions defined by the FDCPA, I am exercising my right to remove the out-of-date Public Record from my report 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 2017-04-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
your company failed to provide the required notice of additional required documents within  XXXX   (   XXXX  ) business days in violation of Regulation X,  XXXX  C.F.R.  XXXX  ( b ) (  XXXX  ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X,  XXXX  C.F.R.  XXXX  ( c )  XXXX  iv ).

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