BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: DriveTime
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This passed year in XXXX I got a XXXX XXXX XXXX XXXX from drivetime however this is the second one they put me in because the 1st got deemed to dangerous to drive by there warranty mechanic. Towards the very end of XXXX the XXXX XXXX was having issues so the Warranty company gave me options who I can send it to and it sent it and it got worked they said the Engine was bad and needed to get replaced and that the transmission fluid was burnt. The warranty company gave the okay to replace the engine but nothing further. 

The engine got replaced but the mechanic still couldnt get the vehicle to turn over they suggested that it get sent to a XXXX dealership to get it look at further thinking it was a computer issue. However when the XXXX mechanic looked at it the issue was that the XXXX mechanic that installed the used engine and not a complete engine meaning they didnt send the turbo that the engine requires. XXXX broke allot of the parts it was also in their shop for over 2 1/2 months and wasnt fixed I talked to the finance company and asked for help repeatedly however the denied it talked to the drive time compasses for help again denied. Along with silver rock they refuse to repair the issues that their contracted mechanic caused. They finance company not just calls me but calls my mother who is on the loan and also all of both our references. 

I have an XXXX XXXX business my business requires me to drive all over to repair my customers appliances without a vehicle it is hard to do. I normally work a 12 to 13 hour day however due to me not having my own vehicle and having a girlfriend nice enough to let me use hers I can only work 5hrs during the week. I get calls none stop they just threaten to take my vehicle away cause I cant afford to pay for it due to not being able to work my normal time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax, XXXX  and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX  XXXX-not mine please delete XXXX  XXXX-not mine please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my 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 2018-09-17
Company: Larry H. Miller Group of Companies
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle in XX/XX/2016 and the finance company was XXXX XXXX XXXX XXXX. They sent over this list of criteria the dealership had to meet in order to allow the loan. Long story short the dealership used deceptive practices and sold me a car that was not only grossly misleading of the condition and history of the vehicle it didn't meet the criteria for the loan either. I sued the dealership and won. XXXXXXXX XXXX  will not review my loan nor let me out of the contract even after I explained all of this to them. They constantly harass me every single month even though I make my payments faithfully. I do not want to continue paying for a car that the dealership dose n't even want it back due to the fact I have exposed them and the fraudulent practices they used to get me in the car in the first place. I have already paid about {$10000.00} to this company and if I have to sue them too for having knowledge of the fraud the dealership THEY ARE COOPERATING WITH then I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: CA
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 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 2021-06-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mr. Cooper abused its right to report late payment against me. 
Details : On XX/XX/2020, my loan was sold to Mr. Cooper by XXXX. Loan number : XXXX. By law I have 60 days grace period to pay my next payment ( that is XX/XX/2020 ), I paid my XX/XX/2020 mortgage on XX/XX/2020, but Mr. Cooper still reported a late payment. 

Furthermore, when I called them at beginning, they would NOT correct this mistake. I checked the rule and clearly told them it was violation of law, they then agreed to correct it. But I didn't get any information after the call, I don't know if they are correcting it or not. 


According to the rule ( XXXX Mortgage servicing transfers ) defined by Consumer Financial Protection Bureau : Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instruments ), a payment may not be treated as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
State: NC
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 been disputing discover with XXXX for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to discover. They did not discover has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX discover they even sent a letter and now XXXX still doesn't have it. 30 days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: LA
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 US Department of education XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading 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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
There are several inquiries on my TransUnion credit report that are not authorized. I contacted each company and TransUnion directly and received no acknowledgment or cooperation in removing the inaccurate inquiries. I believe I might be a victim of the TransUnion data breach regarding the reporting and reinstating inquiries. The inquiries in dispute are listed below : XX/XX/2020 XXXX/XXXX   XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX I XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX I

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 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, transunion and XXXX has accounts on my credit reports that are NOT mine/inaccurate/fraud. 
Accounts : XXXX- not mine please delete.. 
XXXX XXXX XXXX-not mine please delete XXXX  XXXX-not mine please delete

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 2022-06-16
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: CA
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. 15 U.S.C 1681 Section 602 A. States I have to 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 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 2020-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I filed for Chapter XXXX bankruptcy and one of my debtors was Chase bank with who I had a credit card. After filing bankruptcy, Chase processed an automatic payment of {$500.00} from my checking account. Prior to my bankruptcy, I purchased concert tickets through XXXX on my Chase card totaling {$460.00}. On XX/XX/XXXX, I received a letter from Chase informing me that they were going to refund my {$500.00} payment as they can not accept payment after I filed bankruptcy. Also, the concert I purchased tickets for was canceled so {$460.00} was refunded to my closed Chase credit card on XX/XX/XXXX. I still have not received the refunded payment or the concert ticket refund. I have contacted Chase customer service multiple times and was informed that the check was in the mail. In XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX XXXX, CA where I spoke with a personal banker. He contacted Chase customer service to find out what was going on, but he was unsuccessful. The customer service agent said she would contact me within 24 hours with an answer. I never received a return phone call. In the fall of XXXX, I visited the Chase branch at XXXX XXXX XXXX in XXXX, CA. I spoke with one of the bankers about my situation and she took copies of the paperwork I had regarding this issue. She contacted me a week later letting me know she was still working on it, but I have not received any further communication. It is now nearly a year since I received the letter from Chase, but I still havent received the payment or ticket refund. I will attach the email string from XXXX showing that the refund to my Chase card was successful as well as the original letter from Chase telling me about my payment refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NY
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 Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 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 2022-01-04
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We refinanced our VA loan that we had with Freedom Mortgage. We had an existing loan with them. In our Escrow account we had {$2100.00} at the time of refinance. We were told that balance would be transferred into the new loan. We were concerned because our taxes were due in XXXX, and we did this refinance in XXXX. I was assured by everyone we spoke to that the money would be transferred. Well, the loan closed, and the money was never transferred. I started calling in XXXX. Was told by numerous people the balance was in our account and would be transferred. They paid taxes our account the showed a negative {$1800.00}. We called several more times and sent emails. Never a answer always told someone would get back with. Freedom Mortgage has the worst customer service. No one ever gives you an answer. They transfer you to someone else or hang up on you. Also, very unprofessional when you hear babies crying and dogs barking in the background. That tells you the people you talk to do not know what they are doing. This process was supposed to save us money but will cost us more. We will have to pay the negative amount in the escrow account, or our payment will go up by several XXXX dollars. It has been a mess and continues to be. I would not recommend Freedom Mortgage to another veteran.

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 2017-07-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
I previously contacted XXXX regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong 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 2022-10-03
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 am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
made repeated attempts to unfreeze credit with Equifax. Kept getting told system was down and to call another number. none of the numbers worked. nobody would help and kept telling me system was down and to call back in 30 minutes. still got the same answer. this happened XX/XX/2020.

Company response to consumer: Closed with explanation