BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: MA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.C.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
Consumer complaint received 2017-02-01
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I XXXX XXXX traveled to XXXX to purchase a pre-owned XXXX. The vehicle was fully equipped and also came with XXXX, which was not active in the vehicle at the date of purchase. Shortly after purchasing the XXXX XXXX XXXX and traveling back to my home in XXXX, XXXX. I was then constantly contacted by XXXX XXXX via cell phone. They offered the service and shortly thereafter trail activation, I received correspondence from XXXX XXXX XXXX XXXX XXXX, detailing that if I were contacted via cellphone ( which was illegal ), on the part of XXXX XXXX. That I was to receive compensation and free service as I was not the original owner and had not purchased this service. Moving forward and in constant correspondence with XXXX XXXX and submitting all documents pertaining to purchase. It was understood that this service would offer a settlement and free service. Instead XXXX XXXX has chosen to send a bill of {$60.00} to collections, in an attempt to tarnish my credit and credit score. This case has not been resolved and settled, as I have yet to submit my rebuttal / response to the denial letter XXXX XXXX sent to my home on XX/XX/XXXX. The dates of contact as they state are XX/XX/XXXX, but the purchase of the vehicle was XX/XX/XXXX. Additionally I was contacted via cellphone and therefore this settlement issue has not been resolved. Keep in mind the vehicle purchase date is clear and concise, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted multiple dispute letters to Experian to remove my Public Record that was not authorized to be reported IAW The Privacy Act of XXXX. Each time the company states the information is verified by XXXX XXXX. XXXX XXXX did not have my permission to sell any information concerning me to Experian. I submitted a letter to Experian from XXXX XXXX dated XX/XX/XXXX which shows where XXXX XXXX has removed/deleted the information from my report. Experian is refusing to remove/delete the Public Record Information .

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 2022-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Near the end XXXX I refinanced the loan with Capital One Auto Finance. In talking with their reps, they've sat on the paperwork for about a month now and have not yet even sent it to the state to perfect their lien. I now can not sell or get out of the vehicle and so am stuck with it and with their loan since the title shows the old lienholder. I've made several calls, including today, and as of yet it still has not even been sent. I've also been hung up on trying to ask and understand why it's taking them so long with no resolution provided so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from the company on Thursday XXXX XXXX 2016, at approximately XXXX. I then blocked my phone number and returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. I first seemed to reach an operator/receptionist who then transferred me. I advised the representative ; " I received a call from this number earlier. '' The representative only asked for the phone number and the name along with nothing else to verify my identity. The representative never asked for the account number, last name, last XXXX of the social, mailing address or any identifying characters and just assumed that it was me by giving just my first name. The representative was very rude and when I told her ; " if I had the money to pay it. '' Then she asked the same question and referenced me using a major credit card to take care of the debt, I advised the representative the same answer as before and the representative gave me what seemed to be a ; " Hhhhmmm chuckle, '' which seemed very rude and unprofessional. I then asked to speak to the Supervisor who failed to identify her title, which I then had to question. When asked to speak to the supervisor/manager I was asked ; " if there 's a problem with the call. When I spoke to the supervisor I then advised her the situation of the representative and I asked her how that she would like it if we switched roles and my representative did it to her. She kept avoiding the question and then I demanded her to supposedly answer the question of how she would feel of that associate if she was in the customers role position. The call basically got disconnected as she was rude. The spelling on the paper mailed to me was misspelt and they added me as I had XXXX initials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: FL
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:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX RE ; YOUR RESPONSE ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX The above noted personal identifiers are the only requisite I authorize, please eradicate ALL OTHERS AS PREVIOUSLY REQUESTED ON XX/XX/XXXX. BLOCK any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. 

I XXXX XXXX to Experian Consumer Reporting Service this is a request for your agency for an INDEPENDENT INVESTIGATION into each of the inquiries listed below. Your response to my first request to have UNAUTHORIZED INQUIRIES REMOVED makes no sense at all to me. ANY INFORMATION you retain, or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility. UNAUTHORIZED and or possibly FRAUDULENT certainly unproven to be compliant with mandated proof of permissible purpose Credit Inquiries by Creditors on my Consumer Reports. I am requesting compliant proven permissible purpose that allows your agency to retain, report, and share lawfully the listed inquiries. 

Each inquiry listed below is ALLEGED NOT PROVEN COMPLIANT INQUIRY OF PERMISSIBLE PURPOSE PERMANENT IMMEDIATE DELETION IS DEMANDED. I COMPEL YOU TO DEMONSTRATE THE MANDATED PYSICAL VERFIABLE PROOF SENT TO ME. I REQUEST BOTH SOFT INQUIRIES SHOULD BE INVESTIGATED AT THIS TIME ALONG WITH HARD INQUIRIES. PHYSICAL PROOF REQUIRED FROM EACH. 


HARD INQUIRIES LISTED IN MY COMPLAINT THANKS FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER EXPERIAN INQUIRIES XXXX CREDIT XXXX XXXX SALE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX SOFT INQUIRY SHOULD ALSO BE INCLUDED IN THIS INVESTIGATION SOFT INQUIRIES FOLLOW THE SAME INVESTIGATIONS I REQUEST. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) MANDATED PHYSICAL VERIFIABLE PROOF I AUTHORIZED EACH INQUIRY WHAT PROCEDURES USED TO VERIFY PROTECTING MY IDENTITY AVCD- PLEASE PROVIDE FROZEN SCANS- PLEASE PROVIDE AUD- PLEASE PROVIDE I AM REQUESTING MY CONSUMER FILES AND CONSUMER REPORTS-BOTH ARE REQUESTED. 

I DEMAND YOU VALIDATE THIS INFORMATION WITH THESE ORIGINAL CREDITORS PROVIDE DOCUMENTATION BEARING MY SIGNATURE. 

MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF NON-COMPLIANCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

XXXX XXXX XXXX ( g ) XXXX XXXX XX/XX/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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ( TBOM/VT ), account # XXXX, Amount {$300.00} has violated my rights! 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2017-02-01
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, my job ( entire department ) was eliminated due to centralizing in XXXX. XXXX I used my severance pay to pay my mortgage up through XXXX. XXXX 's mortgage was due XXXX, so I called that same day to discuss situation. I explained it was hard to pay all bills with small, weekly checks, so could pay {$180.00} weekly as I received unemployment pay? They said no, but then they offered no other options or resources when I asked if they had any advice. I did not have the full amount of the mortgage until I received direct deposit on XXXX, I immediately went about making the payment. They locked my online account so I had to call them, they said because I was late I could only pay by phone and yet I would be charged XXXX $ on top of late fee for doing so. Fine, I did so, XXXX payment was made at XXXX XXXX on XXXX but then she went about telling me I had already been reported to the credit bureau for being XXXX days late ... .I was paying on exactly the XXXX day because they refused any other options or arrangements. They made XXXX $ from the situation and damaged our credit. Plus, I explained I had a job, but I started on XXXX and my first paycheck would be XXXX, is there anything they could do to help me and they said to check out a " my options '' website, but my next payment would still be late by XXXX. I asked about modification or determent and was told I did n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work out a modification or payment plan with my lender, Selene Finance for a very long time. I had a forbearance agreement in place that the lender failed to hold up their contractual commitments and I have subsequently filed Chapter XXXX to help me re-structure my mortgage debt and save this home. On XXXX XXXX, XXXX, Selene received an Attorney Authorization to work with me on a loss mitigation agreement. Following Selene 's receipt of the authorization, I have called repeatedly to discuss my options with Selene. From my phone number and/or my loan number, I was put into a voicemail box that states that the 'agent handling my account is not available. ' More than two dozen times I received this message and left at least a dozen messages. No return phone call, no letter, no return contact from Selene, which is the way it has been since they began foreclosure proceedings on me. I make good money and can restore this loan if they are willing to work with me. 
On XXXX XXXX, over one month later, I was able to get an agent on the phone by blocking my number, not entering my loan number, and pressing # repeatedly. This agent acknowledged receipt of my Authorization, and said there are no records of me calling. She said the agent handling my account was XXXX and that I could leave her a message, which I agreed to do and did. She suggested that I submit a Loss Mitigation Application, which she instructed was available on Selene 's website. The agent explained that once submitted, I would receive notification within 72hrs if the package was complete, or if there were any additional documents/information required. I promptly submitted this form with all the necessary documentation the same day, XXXX XXXX, XXXX. It has now been 8 days and I have yet to hear from Selene, again. This has been the story for years as they have refused to communicate, refused to honor their contractual agreements, and have blocked any means for me to restore my loan status. It is obvious to me that Selene wants to foreclose on my home, irregardless of my ability to mitigate the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: MA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.C.C 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 2022-05-30
Company: DriveTime
State: MT
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 would like to dispute these inquiries Iam unaware of them, I do not recall MakiXXXX these ... I would like them removed off 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 explanation
Consumer complaint received 2020-04-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We used the third party company XXXX in XXXX to book our vacation package in the amount of {$2600.00}. On XX/XX/XXXX I was notified by the company via email that the company without our knowledge or even a warning cancelled our vacation. These services were not rendered. XXXX  closed their company and website completely, stated they were not completing any refunds and we would have to take the issue up with our bank to recieve money back. This company completely closed without providing prepaid services. I have all documents showing my vacation was cancelled, I did not receive refund, I did not recieve any services that I had paid for. After two failed attempts to dispute with my bank i am frustrated. This is a completely accurate dispute and is very cut and dry and they have offered no assistance

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 2015-07-16
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was transferred to another collection agency and I made arrangements with the to pay it of. When I found out this item are been out to another agency I was surprised and made arrangements with them to pay bill. It was pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 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 non-monetary relief
Consumer complaint received 2020-11-11
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2016-04-26
Company: SIMM Associates, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A company continues to call my parents home. They have called several times over a span of 6 months. In the beginning of the call frequency, they were leaving messages looking for someone with my last name. However, the first name was not a member of my family. 

Three weeks ago, the began to call my parents residence again. Now, leaving messages for me specifically. They are clear on all details in most of the details when leaving a message, but slur the name of the company ( Possibly " CSA ) ''. The contact number they leave is XXXX. When I look up the company name or the number online, I can not find any connection to a creditor company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Investigation took more than 30 days

Complaint:
I have been disputing accounts on my credit report for over 90 days and TransUnion, XXXX and XXXX have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.

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