BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Purchased XXXX  XXXX XXXX with a 6.78 rate. Attempted to Refi vehicle I owe XXXX vehicle only worth XXXX. I have been upside by alot since day 1 and did not even know. It should be against the law for creditors or banks to even finance people without advising them that they will be upside down until the end of the loan or unless they have a large sum of cash to get them out of that place. My credit have gone up to over a 750 and I should be able to refi my car loan and take advantage of the best possible rates. I have attempted to refi with my local credit union and they go up to 135 % LTV and I still can not refi my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dated XXXX, I received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$3400.00}. Please provide validation of this alleged balance per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Information is missing that should be on the report

Complaint:
I have an issue with TransUnion intentionally reporting false or inaccurate information although the other credit bureaus have removed the disputed information. Also, TransUnion is intentionally not reporting my credit card information, even though the credit card company has reported the information to TransUnion multiple times. I also have less derogatory accounts, with TransUnion, yet this credit bureau has me with the lowest score, which does not make any sense.

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 2017-06-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX / XXXX / 16 , I had a   XXXX   XXXX   XXXX   XXXX   XXXX   and was billed {$210.00} from  XXXX   XXXX   XXXX   XXXX . I have paid {$20.00} per month to pay down this debt which should now be a balance of {$140.00}. I received a notice from  Transworld Systems Inc. Collection Agency on beha lf of  XXXX   XXXX   XXXX   XXXX  for {$190.00}. Not only is this the wrong amount, a collection agency can damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed the accuracy of the information for the two closed at my request and paid in full, XXXX XXXX XXXX accounts, with all CRAs ( Experian, XXXX, XXXX ) and XXXX, however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

Account number # XXXX Account number # XXXX The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Credit Limit Last reported Date last active Date of last payment Late payments reporters in the months of XXXX and XXXX of 2020.

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 2017-06-28
Company: Experian Information Solutions Inc.
State: IL
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:
This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XXXX XXXX, XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XXXX XXXX, XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this bank who collects for JC Penny contacts me daily I've told them because of covid 19 I am unemployed ; they said it doesn't matter ; they will continue to collect

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have hard inquires that I like to remove. A lot of pulls from a lot of credit unions I didnt authorize.

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 2019-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time Transunion and XXXX  has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last 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 2019-07-26
Company: EQUIFAX, INC.
State: NC
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 am not the person responsible for the charges made on the accounts. Equifax, XXXX, XXXX put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX  car loan is paid off. They are still reporting it delinquent will not fix. No title sent either getting run around.

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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am not the person responsible for the charges made on the accounts. XXXX, XXXX, Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX {$460.00} and XXXX {$120.00} and XXXX XXXX XXXX {$300.00} I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-06-04
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Help Ive discovered 2 accounts in my name that doesnt belong to XXXX XXXX two cable accounts Ive talk to the agencies and the credit bureaus and neither one is helping me. Also my student loans Im not working and i advise them months ago and they are still reporting late payments. Please help me resolve theses concerning issues. 

Dates and amounts XX/XX/XXXX {$640.00} XX/XX/XXXX XXXX student loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like 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 2017-10-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the Chase Website they advertise a no risk/zero liability ATM card. The website also claims they have sophisticated software in place that will alert you to any possible fraudulent charges. My card was charged {$3400.00} over a four month period as shown below. 
Month Day Amount Gas Station XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company will not credit any charges over 60 day as it claims that is stated in an agreement I was sent but I never saw. It does not state this policy on their web site. In addition to the false advertising I am concerned the Chase Fraud Department may be complicit in the fraud as my alert on my card is set for charges over {$100.00} and somehow the criminals knew only to charge up to {$100.00}. When I spoke with the Fraud department and asked why they did not catch this egregious violation ( who gets {$100.00} worth of gas every few days plus there is a well know scam with card readers at gas stations. These transactions should have been flagged by their fraud department before we ever got near 60 days. ) I was told they do n't flag gas station transactions like they do transactions that occur 100 miles from home.

I was 100 miles from home visiting family in New Jersey in XXXX where I used my card. At the same time fraudulent charges were being made at gas stations in Florida. Then again in XXXX I was two places at once. According to their own Fraud Department this should have raised a flag. If it had it would have fallen within the 60 days and I would have been protected. 
What is the purpose of a Fraud Department if not to protect the consume from fraud? Between the malpractice of the Fraud Department not picking up multiple {$100.00} gas station transactions days apart and sometimes on the same day and their not asking, " How can the same person be using the card in NJ and FL over the same time period? '' Plus the false advertising I decided this needed to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i rep [ orted to both XXXX and bank of america and XXXX ic3 file called agent XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX cellXXXX ... bank of america card #  XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRUIST FINANCIAL CORPORATION
State: OK
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:
SunTrust violated the CARES Act modifications to the FCRA by reporting the loan 180+ days delinquent after granting an accommodation. The CARES Act accommodation was granted for the XX/XX/XXXX payment and scheduled for six months. Repayments started in XX/XX/XXXX. Beginning in XX/XX/XXXX-XX/XX/XXXX, SunTrust reported the loan " delinquent. '' At first, the report stated a history of 120-149 days past due. Then the report was 180+ days past due. Beginning on XX/XX/XXXX, we brought this to the attention of SunTrust. We had a number of phone calls with its Home Preservation and Credit Dispute Departments. We further filed credit disputes with each of the Credit Bureaus. Those are pending. Several SunTrust employees admitted the FCRA violations, sometimes in writing and all on " recorded lines. '' On or about XX/XX/XXXX, SunTrust removed some of the negative information. However, there remains some negative entries including that the loan was " Affected by natural disaster, '' that it has a history of " 180 days or more past due, '' and that the loan is in " deferred '' status. When this was brought again to SunTrust 's attention, it responded that the loan is being reported correctly and " at this time no updates are needed on the 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 2017-09-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I just would like a debt validation of the loans I owe, what is my true balance. There are to many adjustments for me to pay. Feels like I 'm in Jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: Monterey Financial Services LLC
State: NV
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:
Utilized small loan service XXXX to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. XXXX assigned the loan to Monterey Financial Services. Monterey Financial Services applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation