BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on 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 2022-12-01
Company: Stellantis Financial Services US Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased this car in XX/XX/XXXX and at the time had no idea we were going to face a tremendous hardship around the country. 

Covid 19 hit and I had a late payment in XX/XX/XXXX due to reduction in hours and we had to go work from home and was at home with no work until they got us set up for work at home. 

This company is the worst to deal with and I have tried to ask for some type of care and concern due to this unexpected event in our country. 

They have horrible customer service and I have been trying to reach CEO to get assistance to no resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
All accounts that you have also the one hard inquire you have in your records They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've tried constantly to dispute these accounts with this company and they are not giving me a proper settlement. It is to my understanding that they have violated multiple FCRA rules and regulations furthermore Harassing me calling about a debt that i had no connection or knowledge to. I'd like these accounts expunged from my credit profile. 
the dates are not alined on my credit profile as well as balances. This is NOT a request for an UPDATE. but a REQUEST FOR DELETION FROM MY CREDIT PROFILE.

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 2023-11-20
Company: TRUIST FINANCIAL CORPORATION
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I started working with a Credit Repair Company XXXX XXXX who attempted to have this resolved, but they were unsuccessful. So in XXXX of XXXX  I called in an attempt to pay the Charged Off account. I called many times, and sent emails, but never heard back. I am now attempting to purchase a home, and this charge off is prohibiting me. So I have again been attempting to reach the company but still can not get ahold of anyone to help assist 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 2022-06-30
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Frost-Arnett Company
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2022. Frost-Arnett contacted my wife by text message about a XXXX  debt that I have never seen or have been sent any info for. I have never had any dealings or done any business with Frost-Arnett XXXX They sent two separate XXXX XXXX containing a medical debt that I have never been billed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX I purchased my home for XXXX which included a first and a second through XXXX different companies the first loan was for XXXX the second was for XXXX. XXXX I lost my job and filed XXXX which was XXXX the same year. In my XXXX papers it stated I would was going to keep my home. I filed for loan mod in XXXX through chase. XXXX told me that my loan mod included the first and the second. XXXX charged me almost XXXX in fees to do this loan XXXX bring my new principal balance to XXXX. I made my payments for the past 10 years never being late. In XXXX of XXXX, I found out there was a lien on my home. I went to the county assessors and pulled a copy of the lien, contacted the company ( SLS ) and asked what this was about, they told me that I owned XXXX and was going to be foreclosed on. I told them that I modified my loan and did not have a second. I found out that XXXX did not include the second in my loan mod, and did not know that this XXXX even existed. XXXX told us to bad, you need to pay us XXXX, even though the original balance is only XXXX. I asked why they never mailed us anything and let me know that this loan existed, I was told that they could not mail us anything due to the XXXX. After trying to figure out what happen, I realize that chase in fact just charged me tons of fees and did not include the second. Now, I owe this second company over XXXX XXXX I asked XXXX why they are contacting me now and waited so long, they told me that they could get all there money now and will foreclose. I asked if I could settle because I realize that we do owe this money, and they have dragged there feet. Each say the amount goes up, and we have asked in writing to offer some kind of settlement that is reasonable. They said they wan t all there past due fees which is which is almost XXXX. I offered to pay cash of XXXX and XXXX in fees, but they keep dragging there feet. This complaint right now is for SLS, even though XXXX also did me wrong. For a house I purchased for XXXX in XXXX, I will be paying XXXX a XXXX dollars. That is a lot of fees. Just need to get some help trying to settle fees with SLS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Automotive Management Services, Inc.
State: NC
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:
I contacted Automotive Management in XX/XX/2022 in regards to sales contract and repossession information pertaining to a balance of {$7000.00} remaining on my credit report, however I was unsuccessful. Under the laws of the State of North Carolina and State RISA and MVISA statutes, a deficiency can not be claimed {$7000.00} unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Consumer never received any documents and the remaining balance being reported is now questioned due to the laws required not followed. Also From information gathered 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( PLEASE READ ) there should have been no exchange of cash on the credit transaction therefore I am demanding a refund of the down payment amount {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-12-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!

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 2022-12-01
Company: SLM CORPORATION
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, My loan repayment recently went up from {$860.00} which was already a difficult payment but manageable to {$1300.00} ( XXXX  is the due date ). When I called Salliemae to discuss lowering it back down the only offer received was Forbearance or a Graduate repayment program which lowered it to {$1100.00} for 12 months but then payments would increase afterwards. I cant afford to make these payments. I told them this and I was told We cant discuss adjusting your payments until your account is in collections. Im trying to be proactive and not have my accounts go into collections.. Im also trying to be responsible and do the right thing in paying my loan back. Im just currently unable to afford making those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account removal and due to noncompliance of multiple violations, I want to also seek {$1000.00} per violation for Defamation, Enablement of Fraud, No Investigations Performed, Violations of Collection Federal Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$10.00} American Express gift card as a reward from my apartment complexs reward program. I attempted to use the card at a XXXX  of online stores, and it was always declined, even though the items I was attempting to buy were much lower than the balance on the card. I tried calling but could only speak to the automated assistant, which mentioned that it could be that the store has to hold an additional 20 % to use the card, but even when I tried to buy something with just a few dollars on the card, it still would not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX XXXX. I had health insurance at the time of service and they are charging me for services. They need to dismiss these charges that Im not responsible for. Because I was never warn about copay for services. They should of disclosed the copay before Services. 
Because Im 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 2022-04-25
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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

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 2022-12-01
Company: Experian Information Solutions 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-12-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent XXXX letters to Experian regarding how they are reporting information inaccurately on my credit report. THIS IS NOT HOW THE CREDITOR IS REPORTING THEM, it is EXPERIAN. They have disregarded both investigation requests, sending me a letter stating the furnisher is reporting this accurately. AGAIN THIS IS NOT AN ERROR ON THE FURNISHERS PART IS IS AN ERROR IN EXPERIANS REPORTING. 

There are XXXX accounts they have an outdated and inaccurate payment status on. PLEASE CORRECT THE XXXX ACCOUNTS : Payment status : Paid as agreed XXXX of the accounts are closed and paid in full- the other XXXX are all on time- This is the Last request I am asking, if these are not all corrected to show the current payment status I will be seeking legal advice, this is an FCRA VIOLATION and their inaccurate reporting is damaging my credit. 

Ive included all XXXX accounts credit reports and letters I have sent to experian.,

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