BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to 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 2017-09-07
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company placed a collection account on my credit that does not belong to me. I was in the middle of financing when the debt appeared on my credit. I have sent them certified letters and i have been ignored. The account name and number is J & S Collection Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: JH Portfolio Debt Equities, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX has failed to provide validation/verification for negative inquire showing on credit reports. I have sent correspondence via certified mail and a reply has gone unanswered. I expect creditor to remove entry from credit report for not answering certified mail. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Alabama 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 2018-09-13
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In XX/XX/XXXX my car died and I had to purchase a car immediately. I was working on repairing my credit from a previous bankruptsy in XX/XX/XXXX when this happened. Anyway the only finance company that would finance me was Exeter finance at 27 % interest rate. Being a single mom without no other income but my job, I had no choice but to purchase the car. I did not have money to pay cash for a car and I had to get back and forth to work. By XX/XX/XXXX I was struggling and forced into filing a chapter XXXX. I was told I would be required to pay the full amount of the vehicle but the courts said only at a 4.75 % interest rate instead of 27 %. I have been having money taken out of my check for over two years  now totaling almost {$9000.00}. My attorney and I just discovered Exeter never filed a proof of claim as required by the courts. So all of this time the money that should have been going to Exeter was going to my student loan and unsecured debt. At this time I do not know what to do! At this point my only option is to convert to a Chapter XXXX and surrender the vehicle. Otherwise once I get through the XXXX in the next 2 and a half years Exeter is going to come back and ruin me again piling on the amount of the car and late fees. I really don't want to do this. My attorney and myself contacted them multiple times about not filing the claim to no avail. I emailed them a couple months ago explaining this situation and asked if they would reaffirm the loan for the amount the car is worth now at a lower interest rate since it should be half way paid off by now and they did not file a claim. No one ever contacted me. Instead they contacted my attorney and told her WE DO NOT WORK OUT PAYMENT PLANS. She said ok then why did you not file a proof of claim back in XX/XX/XXXX as required by the courts? The person she spoke had no answer and said she would have to get back with her. Needless to say she never heard from her again. They would have had the entire car paid off at 4.75 % interest on top of the 7 months of payments I had already made. I feel like this was a shady business practice to XXXX me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Comerica
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Comerica Bank at XXXX XXXX, XXXX XXXX Michigan took our XXXX XXXX Card. My husband went into facility to retrieve and was told they shred cards other than theirs. He went back outside waited for the next person and retrieved our receipt in which they charged a fee. He then called me his wife. I called the branch to get them to send back and was told it was their policy to shred other bank cards. I am very upset about this policy as the inconvenience of having to redo on line accounts is time consuming and costly. Please look into and get a written apology from this ruthless instution. I feel for people who depend on their Bank Card or who are travelling. This Bank should be fined. Our Bank told us this is not the first time their cards were confiscated STOLEN by Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Riverwalk Financial Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX of XXXX through XX/XX/XXXX- the closure in XX/XX/XXXX. I was half way through a 3-year program. Now, I signed a contract to pay my loans had a received an education from there, well as you know the school was shutdown. Since they didn't keep their end of the deal I am not responsible for repayment, in fact I believe I deserve a reimbursement. The Federal loan was " forgiven '', rightly so, but XXXX XXXX XXXX wont leave me alone, claiming I owe them {$4800.00} in private loans. I'm not asking for a reimbursement, although it's owed to me considered time lost, all I want is to improve my credit score and to get rid of this loan which I don't think I owe, and to stop the harassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
On XX/XX/2018, I filed a complaint with the CFPB about TransUnion, complaint number XXXX. I have asked TransUnion to update my address now multiple times. Every other company in the world has been able to do this, including the other credit reporting agencies, but TransUnion refuses to do it. 

TransUnion 's response was that they " need '' proof of address. I do not have utility bills, and I am not sending them a bank statement. TransUnion said they keep all my information safe in the US, which a total lie because every single call I place with them goes to XXXX. You can fact-check this simply by calling them yourselves. The Fair Credit Reporting Act does not require me to send any bank information to them whatsoever, and I am not sending them a copy of my bank statement. 

Then, the CFPB just closed the case, without any input from me whatsoever, just because TransUnion wrote a response. 

I would also like to know why the CFPB closed my case before the matter was resolved. I asked for an address change, and TransUnion did not change it, so the matter is not closed. When I tried to hit the feedback button on the CFPB 's website, it did not work. Maybe the CFPB does not want any feedback about this?

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 2020-12-16
Company: Experian Information Solutions Inc.
State: AL
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 demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1.XX/XX/XXXXXX/XX/XXXX- ( Reported Identity Theft )

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 2022-02-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. My right to privacy under HIPPA law as these collectors are questing my medical condition which is against the law. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. 
The following account is what I am questing : XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number 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 2019-01-08
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX, letters were mailed to Experian in order to get incorrect personal information removed from my credit report. 
In providing PROOF of identity, I provided my original birth certificate, social security card, police report for stolen wallet with all personal information inside, a utility bill for current address, as well as statement. 
I informed that my name is XXXX XXXX XXXX and has always been, XXXX XXXX XXXX. 
However, my report shows 16 different variations of my name, along with adding another last name, there are multiple misspellings.

There are also 20 addresses listed.

There is no way possible that I could have lived at 20 different locations In 7 years, with some being in different cities. 
There are even social security variations, as seen, using my daughter 's social security number, of which was stolen with wallet. 


It is my right as a US citizen to have this INACCURATE information removed from my report immediately, especially after providing the requested proof as stated on the company 's website. 

I have also provided proof, where this company has sent me two separate reports with two different spellings of my name. 
It has become apparent that this company IS NOT completing proper investigations. 

My letter was mailed from Louisiana XX/XX/XXXX, And a letter was sent in response to me,XX/XX/XXXX. 
How can one complete a proper investigation in such little time?

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 2017-10-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - XXXX XXXX XXXX # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: UT
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:
My name is XXXX XXXX. I'm a XXXX currently in practice in XXXX XXXX XXXX Utah. My complaint involves my credit score and what I consider an inappropriate reflection of my score to recent events. Late XXXX ( XXXX ; had inaccurately listed XXXX in prior complaints ) I had made the minimal payment for my student loans in preparation for the Covid-19 pandemic. Every other installment I had essentially " over paid '' to pay down interest and principle ( XXXX each month ). This minimum payment was made on time and in good standing w/ my servicer/lender. Making a minimum payment would result in several of my loans slightly accruing interest ( most by XXXX XXXX of dollars ). I was ok with this trade off as I was trying to save some liquidity in preparation for a global pandemic. I have had colleagues loose their positions or being asked to take significant pay cuts. I more or less was preparing myself for the same potential. Unbenounced to me, the small increases in my loans ( 1 time/interval ; overall trend is still going down ) would result in a 50+-70+ point drop in my credit score. This has in turn impeded my ability to receive a mortgage and I am currently unable to pursue a home I intended to purchase. The government would w/n days of my last payment grant all student loans in deferment to address the pandemic ( illustrating the degree of the matter and justifying my original concerns regarding preserving liquidity ). I feel this situation and my reflected current credit scores are a unfair representation of myself as a borrower and has caused me significant loss in my ability to purchase a new home ( made worse by further losses trying to purchase a home that I no longer qualify for ).

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 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I checked the mail at my business XXXX XXXX XXXX XXXX and noticed I received an offer from American Express, I figured I'd apply since they keep sending me officers every month saying GOOD APPROVAL ODDS if you apply. After Appling I was declined for reasons not clearly specified, and they stated in the denial letter that my XXXX score was XXXX which confused me even more on why I was declined. Its not good business practice to SOLICIT to consumers that their approval odds are great just to decline the application causing damage to the consumer report, making it harder to be extended credit in the future. After my denial for the business credit card I called American Express and applied for the personal credit card since they already pulled my consumer file and I wouldn't receive another inquiry. I was told buy the argent my application was under review. I received and email from American Express and the portal say provide required information, but when I click the view the full decision details it said declined because I was declined in the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Affirm Holdings, Inc
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My identity was compromised online while living overseas. I didnt notice the new account until it appeared on my credit report as delinquent. Now they are trying to make me pay for something that was fraudulently approved

Company response to consumer: Closed with explanation