BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 us rept but they refused they had me on mute for 4 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 n 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 21 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 PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-28
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a XXXX XXXX a month ago and, similar to my last XXXX lease in XXXX, the dealership folks indicated if I didn't " push the XXXX  button '' they wouldn't get paid their commission. In XXXX I did this and tried to cancel immediately. Let 's just say that wasn't a pleasant experience but lesson learned. They wanted to put a card on file and have me pay when the free 30 days were up. This time around I made it abundantly clear I would NOT be signing up or 'pressing the button ' and did not want XXXX  tracking my truck or tied to my truck. The dealership folks did not like this but I don't think XXXX should be able to track my vehicle and report on diagnostics and all that without my consent, which I did NOT give. At some point in the past 30 days XXXX  came on while I was driving and I believe " reminded me '' that I needed to hit the button. Never did. Today I get an email that " my plan is ending soon '' and I presume that means I need to watch for unauthorized charges now. I did not sign up, hit the button, or consent to this account period. This XXXX  tying and bundling is the epitome of high pressure sales combined with what I suspect is constant violation of privacy regardless of purchase. It is also tied to the ignition supposedly so there is 'no way to turn it off. '

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: MI
Product: Other financial service
Sub-product: Credit repair
Issue: Unexpected/Other fees

Complaint:
Experian was one of three credit agencies I used to collect my free annual credit report. Because credit reports do n't actually present your score, I purchased one online from Experian for about {$5.00}. 

During this process, I apparently agreed to a recurring monthly membership fee of {$20.00}. I agreed to no such thing, at least not voluntarily. It is possible I missed some auto-filled check box or something else that indicated as such. 

I contacted Experian about two days after the charge posted to my account to explain my situation. After talking to her supervisor, XXXX, the support person, said they only offer refunds for 24 hours after payment. She offered to cancel my service, and I accepted. 

I believe it 's unethical to offer one service, and then use a confusing, deceptive, or unclear user interface to trick site visitors into purchasing unwanted services. I 'm not an XXXX or a Internet newbie, I kept watch for such things and still missed it. 

Mistakes happen, and Experian should be required to acknowledge my mistake and refund my {$20.00}. I have a family XXXX, every dollar counts, and I 'm trying to repair my credit, not provide a target for corrupt companies that claim to care about my circumstances. 

Sincerely, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Telsa Motors Inc
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I ordered a vehicle and did not understand that so much $ was going to accumulate in interest over the term. The total cost of the vehicle including borrowing was not clear and I was not shown a truth in lending disclosure. I did not see or sign a loan agreement that included a truth in lending disclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Regarding Chase reference case number XXXX : I received Chase 's response that my check was not deposited because it was a duplicate item, but this check was never deposited into my account. Since Chase has not disbursed the funds for my check, I am requesting that Check number XXXX be cancelled, so that the issuer can issue me a new check. The check is currently showing as deposited, but I have not received the funds- it was NOT deposited in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is very deceptive ; they call and don't leave messages, I have authorized them and instructed them to leave messages and they do not. 

I have to call back and there wait times are ridiculous. 

They have poor internal communications where the departments don't talk to each other. I am being asked to continue making escrow payments and required by the lender to make escrow payments for property taxes but I have provided them with a letter from the taxing authority stating I am 100 % exempt from paying property taxes. 

This company makes it difficult to pay on time and to resolve issues timely. These tactics are predatory and aim to hinder ones ability to pay timely so that the company can foreclose on your property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
I found 2 transactions that were made without my knowledge. Transaction date : XX/XX/2022, amount XXXX $ and transaction date : XX/XX/2022, amount XXXX XXXX Both from XXXX XXXX 
I immediately notified Barclay of this fraud on my Frontier master card. After the second try, they returned the money to my credit account and said they would investigate these transactions with the merchant. and after 2 months I received two letters in one envelope. The first letter says that the fraud investigation was completed and I am not responsible for fraudulent activity but another letter says : we have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. When I called and asked what does it mean? Answer is : they know the name of these swindler passengers : XXXX XXXX and XXXX XXXX XXXX, but instead of continuing the investigation and catching these frauds and putting them in prison they told me that since these frauds put my old address in billing information they decided that these people were potentially related to me. Im so upset, Im not feel protected and frustrated I feel that the Barclay company is not on my side, but on the side of fraudsters. if fraudsters were able to steal my personal information and credit cards information, this is not big news, that they can easily find out the addresses that are related to me in public records and this can not be proof that they are related to me. And for real investigators, who want to solve this problem it should be success when they know the name of person. I didnt do anything wrong, I did my payments on time, I use credit card appropriately, I never lost my card or gave to another person!

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 monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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 associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated but how is that even possible if the open date, date last active and date last reported is not accurate? This is ground for removal and now has forced me to receive documentation from the actual financial institute even showing I've attempted to settle this as the Bureaus tried saying it was on the institution and not them. I also have an entire transcript with a supervisor at XXXX in regards to this repeated issue and requesting to speak with the supervisor of one of the financial institutions I was also on a separate call with trying to solve this issue however that was against the institutions protocols. They also violated the law because according to 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. I did not give any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX XXXX and I can not make payments or log in. Nor can anyone else. They do not answer customer service there's just a message saying they are updating their system. Since XX/XX/22 I am unable to pay or see my balance. This is a widespread issue happening for all customers. I have excellent payment and credit history and I dont want my score affected. I have never missed one single payment. They won't answer and some people on XXXX are saying they were hacked. I am worried about my information and my credit and I dont trust this company Comenity XXXX 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX for a balance of {$130.00} and then AGAIN on XX/XX/XXXX Sunrise Credit Services , Inc ( A COMPANY I HAVE NO INVOLVEMENT NOR CONTRACT WITH ) Threatened harm to my credit file in an attempt to collect monies which are NOT owed to them. 
They claim to be representing XXXXXXXX XXXX XXXX XXXX  ( Of which whom my account is CURRENT & PAID IN FULL ) My credit has been impacted by their malicious and illegal actions and Im demanding maximum payment allowed to me under the FCRA. 
Form of payment may be issued via check and mailed out to the address they have on file for 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 2022-06-07
Company: ENCORE CAPITAL GROUP INC.
State: OK
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 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 an 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 item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Uplift, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am complaining about the financial conspiracy between uplift Inc and XXXX XXXX to defraud me of money paid for a service they never provided. I filed a missing report with XXXX for the missing document that occurred at their facility on XX/XX/2022 that led to my family 's embarrassing and devastating experience that took our planned vacation from us, but XXXX has not responded with the status of the missing document signaling they have no morals or ethics. I continued paying Uplift hoping they would know my fair and honest intention in this situation, but it is obvious that both uplift and carnival are in conspiracy to defraud me of a service that was never provided for which XXXX, which uplift claims is their client, has refused to update the status of the filed missing document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: MI
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 told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate 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 associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXXXXXX XXXX XXXX  Account Number:XXXX XXXXXXXX XXXX XXXX  Account XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXt XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Century First Credit Solutions
State: NY
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
the company promised to combine my debts for into XXXX monthly payment. they were to get in touch with each creditor and make arrangements for smaller payments. after three months of payments to the company, they never made any contact with my creditors, or rendered any service of any kind to me. now they are giving me the runaround as to returning my money. i believe that this company is a fraud and should be reported and penalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
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:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY 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 2022-09-21
Company: EQUIFAX, 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:
THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Self Financial Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: WELLS FARGO & COMPANY
State: FL
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:
The loan was paid off by XXXX on XXXX XXXX to Wells Fargo..I then, went to the dealership ( XXXX XXXX to cancel the maintenance and Gap Insurance, that was covered with XXXX XXXX Claim XXXX XXXX and the Maintenance Claim # XXXX, both paid to XXXX XXXX XXXX in XXXX, Fl XXXX XXXX issued a refund check only in the amount of {$810.00} for the maintenance, and informed me that, the Gap was held by Wells Fargo. I've called Wells Fargo on several occassions requesting my Gap refund and they telling me that they have a right to withhold my refund for a 120 days, and that shouldn't be, when the loan have been paid in full.. I have sold several vehicles or, for some other reasons I had to cancel Gap, the maxium days I had to wait, was a total of 4 to 6 weeks for my return..A couple came early.. First off XXXX XXXX have refunded me all my money instead of forwarding the Gap to Wells Fargo ..They are rudely when speaking to them, especially when you don't owe them anything, and I want money..Listed above are the companies involved.. WellsFargo XXXX. Last 4 on account # XXXX XXXX XXXX. XXXX XXXX XXXX ( Again my name is XXXX XXXX and this is for a XXXX  XXXX XXXX ending in XXXX..Please resolve this matter with Wells Fargo, because the representative told me there was noboby that I can make a complaint to about their unprofessional services..Thank You and have A great Day

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 monetary relief