BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I began questioning the financial company XXXX XXXX XXXX XXXX XXXX ) last XXXX. They said they would investigate and get back with me. They never did and I have had numerous medical issues and surgeries, so I wasn't able to keep on top of it. 

In XXXX, I requested a copy of the loan contract and received a contract with numbers that I didn't sign for. This included a loan amount that wasn't what we asked for and no sign of our down payments ; all these numbers were clearly stated on the credit app. Also, it was not signed and when I questioned this, they said that it didn't matter if it wasn't signed. 

Last week, I asked them to furnish my entire file and they responded that they weren't required to do this. The only things that they have given to me was the payment history, the loan contract ( 1st unsigned and than all of a sudden signed with transposed signatures from the credit app ) and a Bill of Sale ( that we never received from the dealership, with numbers that don't add up either ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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:
XXXX XXXX # XXXX is reporting a balance on my account that should not be there. I have paid this account in full and it needs to be deleted off of my credit report or fixed to show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX  XXXX   XXXX, PA XXXX To TransUnion Dispute Department. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX**** because is the Account Status section of this listing. TransUnion is reporting that it is a Open Account. However, XXXX and XXXX is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # 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 2017-07-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Due to the increasing issues with this Credit Agency in addition to a majority of others, I 'm including the recent Statement Details as of the most recent Statement with this Card issuer : XX/XX/XXXX-XXXX 2017 Statement : Annual Percentage Rate : 26.74 % ( variable ) Balance subject to interest rate : {$780.00} Interest Charge : {$17.00} I have some concerns about what this company refers to as Promotional Purchases. The statement reflects a vague account of this type of Purchase yet includes a balance which has a separate Interest Charge. The Average Daily Balance that I 'm getting also raises some serious concerns. I have done some additional research and have found other clients of this company having the same issue where it appears either Interest and/or calculations relating to balances are being miscalculated in favor of the Credit Agency. <P/>I 'm showing some conflicts with regards to the Average Daily Balance calculation, perhaps as a result of certain transactions not being listed and/or credits not being fairly adjusted.

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 2017-07-02
Company: EQUIFAX, INC.
State: OH
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:
On or around  XXXX / XXXX /   17 I was reviewing my credit report and I discovered several HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following companies  1.   XXXX   XXXX   XXXX    XXXX    XXXX   HIPPA Act viola ted please delete.   2. XXXX   XXXX   XXXX   XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please d elete.    4.   XXXX   XXXX   XXXX    XXXX  5. XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2018 I received a notification on a couple of sites called XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX informing me that a company by the name of Diversified Consultants had place a collection in the amount of {$2100.00} on my credit report without notifying me in writing that I owe the money which they didn't and notify me of my rights to dispute this debt they say I owe which they didn't either and it wasn't within a certain amount of time. I don't know this collection agency and I would like this to be removed from all 3 credit reports which are XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a new credit card from Synchrony Car Care ( Synchrony Bank VISA credit card ) when I made a purchase of {$930.00} from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX.I was promised to receive a {$100.00} prepaid card because I had made that purchase of more than {$590.00} with the new Synchrony Credit Card. That original transaction was done on XX/XX/XXXX. Since that time I have contacted the company 's rebate center many times because I have not received my prepaid card. The first few times they claimed to have made a mistake on my address ( not including my Apt number ) and they would correct the error and resend my prepaid card. To date I have not received the prepaid card. The last time I contacted the rebate center, I asked to speak to a supervisor. I was told that one was not available at the time but I would be contacted by phone in a day or two. That did not happen either! I feel like I am getting the 'run around ' by the company and they have no intention of sending me the {$100.00} prepaid card.

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 2021-06-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. There are unauthorized fraudulent inquires reporting 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 non-monetary relief
Consumer complaint received 2021-06-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my Mortgage that was held by XXXX on XX/XX/2021. I was told by the company that I was refinancing with, I would receive the funds from my Escrow account with Loancare within 15 days. I received a check from Loancare dated XX/XX/2021 on XX/XX/2021. The check arrived in a plain envelope, taped close, and the check was mutilated. I called Loancare, and explained how the check arrived to me. I spoke to XXXX, she said she would send a note to disbursements to have another check mailed. On XX/XX/XXXX, I called back into Loancare, and asked to speak to a supervisor. The call was then transferred to someone identifying herself as a supervisor. I explained yet again what had happened, and that I was supposed to have already received another replacement check. She said that Loancare had 30 days to send me another check. I told her that was unacceptable, and asked to speak to her supervisor. Another lady answered the call, she identified herself as XXXXTeam Lead. She apologized, and said another check would be issued to me in 48 hours. I offered to XXXX the check back to Loancare if that would help. She said it was not necessary. Today is XX/XX/XXXX, and I have still not received the proceeds from my Escrow account with Loancare. I need help. They have my money, and I do not have the benefit of it. {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions 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 XXXX " ACCT XXXX, HAS VIOLATED MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT " 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 XXXX XXXX A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-07-17
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:
Only TransUnion is reporting this and is damaging my credit score. 2 other  bureaus has complied with the fraud on this charge

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped 51-54 points because of XXXX. According to XXXX, and Transunion my credit score decreased 51 and 54 points respectively because XXXX  balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information to them. My card was stolen and XXXX denied me access to my account. I was not able to see unauthorized purchases or pay the bill.

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: Scott Fetzer Financial Group Inc.
State: TX
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:
Around XXXX of this year I was contacted by a XXXX representative after inquiring about a case study they were offering. During the discussion I was told by XXXX XXXX she also suffered the same XXXX I deal with ( XXXX ) and that the machine helped her tremendously. I said I was interested in the machine but could not afford the machince due to cost and she said I could finance it with one of there financing companies and they would cover the cost by sending me a monthly check each month for 36 months until the machine was paid for, I'd only have to pay {$5.00} dollars a month. I was excited and accepted the offer. I was contacted by UCFS ( United consumver financial services ) the following day and told everything was good to go on the loan, but before I accepted I email XXXX that and asked would I be paid for this casestudy and they email me back yes. I still have that email but my direct correspondance with XXXX  via text message is gone since i have a new cell phone since then. The first 3/4 months I was paid with no problem and I followed all my case study requirements. Then I stopped recieving payments and I contacted them and said that I was in violoation of my terms. I replied no and had them verify that I did follow my instructions and then a few weeks later the asked for my XXXX information and said they would be paying me but it never happened. This was followed but a email detailing new case study requirements that i switched to and followed to the T but I was still never compensaded for. I reached out to them with many emails and calls, also text messages to XXXX  and another lady who had recruited me initally but they did not respond either. I began to research and found out a few weeks ago the company was running this fake case study the whole time, it was a complete fraud. UCFS has not froze my account to do an investigation as of yet as well. I along with many other clients who have been tricked by this company lead by XXXX XXXX and XXXX XXXX are very sick people who are already struggling with medical bills and other expensenses associated with our various illnesses to have to deal with the mtaking advantage of sick people like this is cruel. I continue to send emails and leave voicemails with XXXX but they have not responded and when I specifically ask about the status of my payments they never reply, I even asked if they would buy the machine back and no response has been made as well. There were several exchanges when they would ask for my payment information then would never pay ... I appreciate your help in trying to reach them and get this resolved. I have attached a snippet of some correspondence I have had with them. There is more I have available at request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage is a VA, 30 year fixed loan, with a 2.25 % and I have never missed a paymentor otherwise been late. In 2021 a neighbor mentioned Forbearance, and I called and asked a few clarifying questions. After getting the answers, I decided that it was not for me ; I continued to make my normal payments. However, Freedom Mortgage suddenly started to charge me extra each month : {$160.00} and {$170.00}. I contacted Freedom Mortgage, and eventually, I was told that I only owed the normal amount ... {$880.00} ; although I do have a partial tax exemption, because Im a 100 % service connected XXXX XXXX, so my payment prior to the exemption is {$960.00}. 

I have since discovered that in 2021 Freedom Mortgage opened a Forbearance plan on my home, and while I dont know for certain, I suspect these charges are tied to that document/plan. I have made every payment before I asked about the Forbearance, and after ; which adds credibility to my claim. Said differently, had I intentionally filed a forbearance my payments would have stopped or drastically reduced. 

This has left me thinkingWTF???

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 2022-05-01
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

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 2022-03-29
Company: Experian Information Solutions 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:
n accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.states i have the rights 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 explanation