BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: Hillcrest Davidson & Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX Sold me an alarm system and never guide me or told me that I must have alarm permit prior the installation. 
After searching online, I noticed that they are not allowed by law to install any alarm system before permit is obtained prior the installation day. 
The system they sold me is a piece of junk, since first week gave us only problems, waking us in the middle of the nights for nothing and after XXXX police visits I ended up paying over {$1000.00} false alarm fees plus penalties for not having alarm permit. It's my first time in my life installing home alarm, I never knew and no one from XXXX told me about permit or police charges. if I knew I would never sign a contract. 
XXXX only installed the system but the monthly bill came from XXXX XXXX XXXX which also should have check the customers obtaining permits before installation. 
Now we have XXXX companies the doesn't obey the law and on top of that trying to rob from me {$50000.00}??? Let 's see which court judge will give hand to this. 
XXXX XXXX more than welcome to come and take all the junk that the installed on my walls and windows and I would be more than happy if they will clean the double tape glue from my windows and patch and paint the holes they made on my new walls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-23
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A late fee was applied last month. I paid the late fee with the note on XXXX XXXX. My next note is due XX/XX/XXXX, however a late fee is still included for the month. My interest rate balloons upward of 27 %. I've had the car two years and only about XXXX went to the principal. I have called several times to address both. They say the money will be applied properly and it normally takes two or more calls for them to make corrective action. I was also told they do not refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I bought a money order on XX/XX/2022 at XXXX # XXXX of XXXX Michigan for {$600.00} as a way to keep my cash safe instead of carrying that amount with me. I was assured I could cash it to myself. Tried to cash it at the same store and was told I had to wait XXXX hours exactly from time of purchase. Came back after XXXX hours, They still would not cash it because I never had cashed a check there. Tried to cash it at my bank, XXXX XXXX, they do not cash money orders. Could not reach a single person at western union, the online refund form was down, chat sent me to the same form and suggested I continue to try till it worked. 3 days later the site works with a 30 day process time sign a fee! This was my XXXX money. Absolutely disgusted with this company and the service. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax online verification asks questions that have NOTHING to do with my account as far as my knowledge goes. They ask about auto loans, student loans, mortgages that I have never had. When I called customer service to complain that if they are legitimate questions, then someone else is using my identity, and I would like to file a credit freeze. Both online and with customer service continue to ask questions that have no bearing on me, and deny my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
after reviewing my report in XXXX I noticed a large amount of fraudulent accounts, address and names reporting. these accounts i never applied for, names and address i never used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I took my kids checks ( earned from small XXXX  XXXX  jobs that pay per day so we had several checks per kid, and they wanted cash ) to the -issuing bank-, Wells Fargo . They asked if I had an account there to deposit them, and I said no, I just wanted them cashed. They charged me {$7.00} per check without informing me that it would be a charge. I find this a ridiculously predatory fee, and predatory in how it was carried out. It amounted to more than 10 % of the checks amounts. From the bank who issued the checks, the bank that can check its own customers accounts in real time if desired, and assumes virtually no risk in cashing the checks. Even XXXX checking services charges less. 

How can a bank charge to cash its own checks?

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 2021-08-03
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed XXXX unauthorized inquiries. The fact that these inquiries are reporting is fraud and identity theft. Attached to this complaint is the letter i sent to Equifax along with identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
There are accounts on my report that do not belong to me. The first one is from XXXX XXXX XXXX with the account number XXXX. The second one is AM HONDA FIN with the account number XXXX. Third is XXXX with the XXXX account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement if account from Comerica Bank. And then I received a set of checks attached to the account. I did not request a checking account from Comerica Bank. I contacted Comerica and they have closed the accounts. XXXX in their fraud department identified that checking, savings and online banking accounts were created fraudulently in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, INC.
State: CT
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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 disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-09-27
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:
I am filing this report against Mercedes Benz Financial Services because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are Mercedes Benz and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-09
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called to request paper statements to be sent for my records which they must supply by law. I was refused by special person assigned to my account ( XXXX XXXX. I was told that they can not supply my request and to only view online. Online does it supply breakdown of fees and charges and does not supply a invoice.

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 2022-08-03
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account Without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX  has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly

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 2018-05-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a credit card from hsbc bank. I had issues was not working and received a debt release or credit release indicating since I had not paid my debt, It would be added to my income. Since it was added to my income then it became as a debt that was paid. They should not be reporting to the credit agency as not paid. XXXX, XXXX and XXXX. I have already reported the debt as part of my income and was taxed on that incomed. This appears to be a form of accepting payment twice for credit that was added to my w2 form as a form of income. Is this a legitimate business practice. If it is please explain the law or statue that allows it. Not a business policies. Policies are not laws. 
Please assist me. My complaint is with the merchant I will file a dispute with the creditor after I get a response from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a medical collection on my credit report that I do not believe I owe. I have disputed the debt with the credit bureaus, and the only response received was that the debt met FCRA guidelines. I then sent a HIPAA request for validation of the debt to Account Resolution Services XX/XX/XXXX and I have yet to receive a response. 

I have no idea what this debt is for, and I have no knowledge of the service provider. This misreporting is hurting my credit, and the collection agency is not providing me with validation of this debt. 

Collection Agency : Account Resolution Services Provider : ARS XXXX XXXX XXXX Date of collection : XX/XX/XXXX Account Number : XXXX Amount of Debt : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Innovis
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:
Innovis file ( # XXXX ) I received my Innovis report and discovered that there were accounts on this report not relating to me. I was a victim of identity theft. I have sent to them my FTC ID affidavit signed and notarized including the police report attachment and identifications that identify me. They have ignored the FCRA law of section 605B. FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits.

Additionally, the reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. These accounts need to be removed and deleted from my report. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Amount XXXX Date XX/XX/2021 I asked transunion for information that this was accurate because I have no knowledge of this account and they havent sent me anything regarding information to be 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 non-monetary relief