BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
When shopping for a mortgage I have had credit ran within 45 days, as per the law, I am able to shop without counting as multiple inquiries. However, this is not the case as each has resulted in multiple inquiries on my credit. I am self employed and had trouble with finding appropriate mortgage specific to my situation. This has made it completely unable to obtain business credit as I am working on building business credit as well as bringing down my credit score and requiring more of down payment requirements along with higher interest rates. I contacted creditors along with credit bureaus and every time they state it is verified. Each inquiry is not consistent with it stating mortgage inquiry rather multiple are labeled as misc or bank credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had leased a XX/XX/XXXXHonda Odyssey of which I was involved in a motor vehicle accident 1 year later that rendered the vehicle a total loss. The insurance company paid {$24000.00} of the {$26000.00} owed and after some payments I made, there was a balance inXX/XX/XXXX of {$1100.00}. Payment was requested in 30 days. As of XX/XX/XXXX, I reduced the balance to {$930.00}. The payments were accepted without any rejection or return of payment. Prior to the accident, I was never late nor missed any payments on the lease. <P/>Without any warning, Honda Financial Services sent me two letters dated XX/XX/XXXX and XX/XX/XXXX. I did not receive them until XX/XX/XXXX. The first letter said my debt was charged off for failing to fulfill my " contractual obligation '' and was being sent to collections. No explanation was provided for what this meant. The second letter, dated XX/XX/XXXX, said I had 15 days to pay the debt. Relying on the second letter, I paid it in full on XX/XX/XXXX and called Honda Financial Services on XX/XX/XXXX to have them remove the charge off from my credit reports. The representative was rude from the start saying they called and told me I had to pay it in full. I never received a call or letter prior to XX/XX/XXXX saying if I did not pay the balance by XX/XX/XXXX I was going into collections. He said they spoke to my wife, but she was never told that if full payment was n't made by XX/XX/XXXX, the debt was being charged off and going into collections. When I tried to explain the reasons for the delay and that I paid it off once I had the ability to do so ( which was also within the 15 days demanded in Honda Financial 's letter ) the representative 's response was " not my problem ''. He refused to remove the charge off and said I could not speak with a supervisor. The representative also denied having any information of Honda Finance sending me the XX/XX/XXXX letter that gave me 15 days to pay off the balance. I faxed it over to him but of course got no response. <P/>Based on their fraudulent and misleading representations my credit score was lowered 90 points. I was never advised that if I did not pay off the entire balance in 30 days that my account would be charged off or sent to collections. I never receive a final letter until after the debt was already charged off. I also paid off the balance within the time specified in Honda Financial 's letter and its response to me was essentially " we do n't care '' and " not my problem ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$10000.00}, {$13000.00}, {$15000.00}, {$6200.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This complaint is against Transunion for covering up the nefarious schemes of XXXX XXXX XXXX. 

We have requested in a previous complaint to have the credit bureaus provide the evidence they use when they continue to not correct wrongful credit reporting. We had also provided the letter that Select Portfolio Servicing used to justify how they arrived at changing our loan term from 30 year ( Promissory Note ) or 40 Year ( Loan mod ) to 50 year or 600 months. They choose to not follow that standard legal document rule, but instead somehow combine the two legal documents to come up wit the number 50. This is without doubt nefarious means of altering the loan agreement they are only required to Service. i had requested that they provide the documentation that was used to verify as accurate, but did not receive such verification as should have been provided according to their letter. The request was sent to all three main credit bureaus. XXXX decided to remove the entire XXXX XXXX XXXX account. Transunion has responded " Verified as accurate '' but won't provide the documents that was used to overlook what has our signature attached. How can a mortgage servicer simply change the rules of signed contracts without consent.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
While checking my Experian credit report, I noticed credit inquiries that I did not authorize made by the following companies listed below. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the FAIR CREDIT REPORTING ACT SECTION 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove these inquiries from my credit report immediately.

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: 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: Their investigation did not fix an error on your report

Complaint:
I filled a dispute to Transunion, XXXX and XXXX on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on 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 explanation
Consumer complaint received 2022-04-06
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed {$100.00} on the balance and was making payments. I haven't received a bill in the mail in over a year so I took it that this debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: NAVY FEDERAL CREDIT UNION
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 discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
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:
OnXX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on XXXX of the XXXX reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I obtained the loan back on XX/XX/2019 with Consumer Portfolio Services and since have been in contact in XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other varies dates indicating that this contract was obtained fraudulently. The car was damaged and possibly rebuilt title and this information was not disclosed to myself. When dealing with the finance company - Consumer Portfolio Services, I have given all the information that clearly shows this was dealer fraud and they will not cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
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:
FCO ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$2500.00} I dont believe that this reporting is correct. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?

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 2019-09-11
Company: GREAT WESTERN BANCORP, INC.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased football game tickets from a man on XXXX. I made the payment and never received the tickets. His facebook profile is now deactivated. 

I filed a dispute with Great Western Bank in XXXX XXXX and it was denied. They stated they had to follow 'Visa Rules '. Reg E rules always trump the network rules ....

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 2019-11-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
JUDICIAL NOTICE XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania Zip Code Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX Dear WELLS FARGO XXXX Hereby Judicial Notice is given : I XXXX XXXX XXXX XXXX XXXX am writing you today as an aggrieved man. WELLS FARGO does not have my permission and or consent to provide or share any of my private information with any public and or private entities. WELLS FARGO does not have my permission and or consent to share any identifying information to any public and or private entities connected to XXXX XXXX XXXX. WELLS FARGO does not have my permission and or consent to allow any entity, public and or private to place a lien on any checking or savings account XXXX XXXX XXXX has with WELLS FARGO.

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 2019-11-20
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am the cosigner of a SallieMae for a friend of mine, in XXXX. In XXXX she became permanently and totally XXXX. She began making smaller payments than what they were demanding for repayment, explaining to them that she was on social security XXXX and couldn't afford the larger amount. They agreed to a lower amount but continued to accumulate interest in an amount that was larger than the payments she was making. ( the original loan was XXXX, and she now owes last i heard, XXXX ) I recently saw on their website under the " Common questions about cosigning a Sallie Mae student loan '' Q- What if the student dies or becomes disabled? A - If a student dies or becomes permanently and totally disable, we'll waive all remaining payments on their Sallie Mae student loan. Call us at XXXX. I encouraged her to push for them to waive all remaining payments, i helped her get the paperwork together she needed to send them. She just got a letter from them saying " based on the information you provided regarding your XXXX, we have reviewed your account and determined that you are eligible for release as the borrower of the private student loan referenced above. Release of your liability as borrower would result in the loan being transferred into the name of your cosigner. if you prefer to keep the loan in your name and remain responsible for repayment of the loan, please contact our office within 30 days from he date of this letter. if we do not hear from you within 30 days, we will complete the transfer to your cosigner. '' I feel like that letter is a bullying in their attempt to collect the payments and in violation of their own statement on their website. I don't know what to do about it, though. She is completely overwhelmed by it all and really believes anything they threaten her with. They tell her because it's in collections that's her only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a previous complaint # XXXX w/CFPB against BridgeCrest regarding erroneous credit reporting to the 3 credit bureaus. BridgeCrest stated in their response that they would remove the delinquent mark from my credit report. They failed to remove the delinquent mark. I filed a dispute w/ the 3 bureaus. The investigation was completed when BridgeCrest verified the delinquencies. BridgeCrest violated the FCRA by re-aging the account and reporting it to XXXX XXXX and XXXX. They also violated the FCRA by verifying inaccurate information. By them updating the bureaus to report the Date of First Delinquency was XX/XX/2020, this created a severe negative impact on my credit. It also extended the 7 year period the delinquent account remains on my credit. When the bureaus investigated the inaccuracies BridgeCrest failed to correct the errors through a legally required proper investigation. They instead verified wrong information and confirmed their illegal act of re-aging an account. 

I included 6 attachments to prove my claim. 

1 ). Bridgecrest CFPB Response - is the document to where Bridgecrest stated they will correct the error. The statement is highlighted in yellow. 

2 ). XXXX  Bridgecrest Tradeline Pages 1-2 - Give evidence to the erroneous reporting. Please notice ( on pg2 ) Date of First Delinquency, Last Payment, and the day the account was closed was reported as XX/XX/2020. I believe this was a vindictive act. 

3 ) .XXXX  XXXX XXXX XXXX Evidence Bridgecrest Verified the inaccurate reporting. 

4 ). XXXX  XXXX XXXX - Evidence Bridgecrest Verified the inaccurate 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 explanation