BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: WA
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:
XX/XX/2020 - Unable to access myEquifax account to retrieve my credit report. I reset the password, but it still wouldn't let me access my account. 
XX/XX/2020 - Still unable to access myEquifax account and now it's locked even after again resetting the password. I called their support line and they had me reset my password again. It was still unsuccessful in getting me access to my account. 
XX/XX/2020 - I called Equifax support again and after waiting close to an hour on hold, they told me they couldn't do anything and my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Dynamic Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter in the mail to collect a debt from a collection agency ( Dynamic Recovery Solutions ) dated XX/XX/XXXX, however, I did not receive it until XX/XX/XXXX. 

The debt is from XXXX XXXX XXXX, XXXX for {$2000.00}. I never once received a medical bill from XXXX XXXX XXXX XXXXXXXX regarding said debt nor do I recall visiting a facility that is in connection with XXXX XXXX XXXX XXXX. 

When I contacted the collection agency ( Dynamic Recovery Solutions ) on XX/XX/XXXX, I advised them to send me an itemized statement showing me what the debt was for and which XXXX XXXX XXXX XXXX XXXX XXXX sent the bill to collections. There are multiple XXXX XXXX XXXX, LLPs. I received a response from the collection agency on XX/XX/XXXX. The collection agency could not provide me with any of the requested information. Instead, they just told me that it was from service on XX/XX/XXXX. This also doesn't make sense as to why I NEVER once received a bill from service on XX/XX/XXXX from XXXX XXXX XXXX XXXX and why I would just now, 4 years later be receiving a collections notice regarding a bill that I never once received or knew existed. 

I am refusing to pay said debt considering I never once received a medical bill from XXXX XXXX XXXXXXXX for the service date of XX/XX/XXXX. Not to mention, even if this was an actual medical bill I had received, there is no way my insurance wouldn't have covered a vast majority of the cost. I have never had a medical bill over {$500.00}. 

So please, I am requested to not pay this debt. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Credit Karma, LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have info on a company that is being swept under the rug. I have searched for info to submit a complaint on the XXXX  website, but after reading the current complaints, I am not the only person going through this plus nothing is being done. This company needs to nationally be called out for it's fraud. I bank with credit karma. I received a direct deposit and they locked my account. No fraud, no nothing. Turns out, I am not the only one that has a complaint on this. They are not a credited XXXX company, which o didn't know. But they are apparently taking people 's money and never giving it back and telling us all that there is no department to contact via phone, only by email. They never return your emails or follow up on why your money is locked. This issue is causing a lot of people to become homeless, jobless, and behind on bills. I will be glad to give you all the info you need to put this company on blast so that we can make them speak and return our funds. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Auto Properties II, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX VA XXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs around XXXX a year later. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today they have contacted my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$10000.00} of my salaried money using this illegal tactic.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After the vehicle was deemed a total loss resulting from an accident Exeter finance continued to report late payments to the credit bureaus for over 90 days. All payments from the insurance company were made with 30 days. The GAP insurance covered the remainder of the balance after 45 days. Exeter continues to charge me interest and fees they claim I owed after all payments were made. I sent them another {$450.00} and a signed statement document on XX/XX/XXXX. The continue to hold the payment until it reported at being 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge fraudulent accounts on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.

Thank you Mr. CFPB for looking into this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: General Motors Financial Company, Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Mariner finance sent me an unsolicited check in the mail. The terms were if you pay off within. 15 days there will be no interest. A manager told me I had 10 days, I paid off the loan in person with a cashier 's check. Now they are saying they never got the money and are reporting that I owe them along with interest. Mariner finance also entered a hard inquiry on my credit report as if I applied for a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple unknown hard inquiries on my credit report. However, I wasn't the one who put them there. I've been on the journey to build/establish credit. I was instructed not to apply for anything during the course of doing so. Somehow, someone has my information and was applying for accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: DE
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 name XXXX XXXX XXXX account # XXXX, XXXX XXXX name XXXX XXXX XXXX Account # XXXX, XXXX XXXX name XXXX, XXXX Account # 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 2022-08-22
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am on a fixed income I charged the maximum on my card, because I am XXXX and I want to start working from home once I get stronger. So when I got the XXXX XXXX very Small one and the immediately increased my minimum payment so I pay that but the interest is still too much because I still need supplies to help 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 2022-03-29
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CONVERGENT OUTSOURCING XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA 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 2022-11-28
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, PayPal team, my account can not be linked to the bank and withdraw cash. I have also contacted PayPal customer service many times, but the problem has not been resolved. Please CFBP help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-04-24
Company: Experian Information Solutions 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:
In accordance with th

e Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 report 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 informationAny other adve
rse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX : Account # 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 2022-06-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened my account XX/XX/XXXX with Synchrony Bank care credit, they emailed me while XXXX that my account was scheduled to be closed due to inactivity. However, I reached out to their service agent via text and described the issue explaining I was XXXX overseas XX/XX/XXXX and asked to please not close the account. They assured me they were aware and my account would remain in good standing. Then come to find out XX/XX/XXXX my account has been closed and reported to the credit bureaus. I tried reaching out to the company same day, to reopen my account they stated I had to reapply. I am at no fault for this incident and was assured my account would remain in good standing, yet while serving my country, my credit has been negative impacted and I am to apply again for another hard credit pull? Absolutely ridiculous.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit reporting act, ( XXXX XXXX ) [ XXXX ] collector 's { XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX } have violated my rights. 
15 USC 1681 SECTION 602 A. States I have the right 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. 
Furthermore, XXXX # XXXX XXXX investigative analist ( XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX have concluded the debt to be false and the said so account to be closed/removed from credit report effective 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 2022-06-23
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:
I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX Bank online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.

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 2022-06-23
Company: EQUIFAX, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief