BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
In the past few months I have received more than 10 Alerts thru my XXXX  XXXX XXXX privacy assist with unauthorized credit inquiries. These have been across all 3 credit bureaus ( Equifax, XXXX  and XXXX  ). I have not authorized any of these inquiries and have no knowledge of how my personal information was acquired. I also received another alert from my Corporate Credit Card Company-XXXX XXXX, about a similar credit card inquiry in my name as well as a XXXX inquiry. As none of these have been authorized I want to assure these are removed from each credit bureau 's file so that my credit is not impacted. I have also spoken with the 3 credit bureaus and have placed an alert and a freeze on my credit account file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NC
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:
XXXX has failed to respond to XXXX and XXXX, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

Answer my disputes properly,, pay me {$1000.00} statutory fine, and {>= $1,000,000} for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 been battling with the bureaus over this XXXX XXXX account for months and months! 

XXXX has illegally re-aged this account multiple times and currently lists the date of last activity as XX/XX/XXXX while Experian lists the date of last activity as XX/XX/XXXX. 

Obviously, this all is incorrect and violates the FCRA. XXXX has already removed this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/22 XX/XX/22 XX/XX/22 I contacted XXXX about a account investigation even called Numerous times, the account never been updated or investigated. Account XXXX 15 U.S.C 1681 section 602 A. Section 2 states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 its also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May Not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2020-04-17
Company: BBVA 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 with paying off the loan

Complaint:
The manner in which BBVA handles the last payment of auto loans is anti-consumer and borderline fraudulent. This is probably true for the whole crooked lending industry. 

For the entirety of the my loan, I have never missed a payment. This was due to the convenience of having an auto-payment set up through my checking account. Then comes the last payment, and the auto-payment stops. About two months later I noticed that my credit score had dropped 120 points due to a past due auto loan payment! I am thinking, " This should be payed off! How could it be past due?! I had auto-payment set up! '' Turns out the last payment can't be made with an auto-payment. You have call in ( which is going to take an hour, at least, out of your day ) and make the last payment " manually. '' So, me, relying on my auto-payment to finish off my loan, missed this for over two months, until I noticed my score drop on XXXX XXXX. No call or anything from BBVA. I called them, waited over an hour, and finally got it paid off, at the cost of 120 points of credit score. 

The reasoning they gave me was muddled and non-sensical. All I can see is that this is designed to : 1 ) Add complexity to something that should be simple, in order to garner more late fees for profit 2 ) Intentionally lower consumers credits scores so that they have to pay higher interest, longer-term loans to fill these lenders pockets even more Considering the current administration, I doubt anything will be down about this, except to make things worse for consumers. But it at least feels good rant about it to the government.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Affirm inc- {$110.00}, inform them to communicate by mail and verify information through mail. 
XXXX XXXX- {$500.00}, informed them to update me with verification documents through mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. 
Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  I XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have disputed the XXXX XXXX XXXX with Equifax and have provided a utility bill and it still has not been removed. The correct address is the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Fay Servicing, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Faye services lost payment causing my home to be in default Sent a book of all payments and bank statements They agree but will not correct.now the payment is extremely high barely living. Because we have to have a home I can send all papers but not on this forum it's too many sheets. Have spoken to 20 people at the least. Nothing is being done, and I have called every day since XXXX of 2021. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've completed a Private Administrative Procedure/Dispute, Affidavits, Notices and Defaults all that where mailed to the corporate office and received on XX/XX/XXXX & XX/XX/XXXX, addressed to CEO XXXX XXXX XXXX his CFO XXXX XXXX XXXX REQUEST FOR VERIFICATION & VALIDATION OF MORTAGE DEBT AFFIDAVIT & ALL DOCUMENTS SECURITIZATIONS & INSTRUMENTS FOR MORTAGE AGREEMENT. Also Informing them about the fraud that was found, within and throughout their mortgage process. None of my affidavits or notices where answered, also the request for the refunds of all payment including the fees for a copyright violation that they keep on violating so for in an excess of XXXX XXXX Dollars ( {>= $1,000,000} ), wherein Defendants have failed to respond said completed Private Administrative Procedure and thus have acquiesed to the commission of all offenses listed below as well as those in the Private Administration Procedure /Dispute. M & T Bank is in violation of 18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Depreviation of Rights Under Color of Law 18 U.S. Code 1349 Attempt and conspiracy 18 U.S. Code 1028A Aggravated Identity Theft 18 U.S. Code 1344 Bank Fraud 18 U.S. Code 1341 Frauds and Swindles 18 U.S. Code 63 Mail fraud and other offenses 18 U.S. Code 1951 Interference with commerce by threats or violence 18 U.S. Code 1343 Fraud by wire, radio, or television

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This dealership is full of CROOKS!! I bought a truck with XXXX miles on it, the transmission blows after just 2 months, they just wash their hands taking no accountability saying they only cover 1 month, XXXX miles to pass me off to their incompetent Ally insurance company, and nightmare of roadside assistance that was called, I have had the Ally Warranty company lied to me no less than 3 times as their representative yells at me over the phone to hang up! The roadside assistance lied just as many times, and failed to retrieve my truck at least 3 times. They were never even the one to tow my vehicle as it was finally given a tow 4 days later, after I was informed it would be towed within 50 mins. These people are dishonest, and have zero credibility behind their word! They just wash their hands of you have any issues with their hobbeled vehicles as I call them first with my issues while they just shuffle me off to others! I have lose 2 days of work calling them, having them give me no issues, as my truck is now out for 2 weeks and still not repaired!!! The loan, and product they sold me are an absolute scam!!!

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 2022-08-02
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sunday XX/XX/2022, at about XXXX I was depositing {$800.00} into my truist account at the Truist ATM. In the process of me transferring money into my Account the ATM shuts off completely after i deposited my {$800.00} cash. No receipt or any pending money on my account. The branch said they cant do anything for me and said its out of there hands. They said I had to call corporate and file a claim. Ive called multiple employees within Truist to get a clear answer on my situation and nobody can give me direct answers. Branch is telling me to call Truist. Truist is saying call the Branch where the money is deposited. Please 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 explanation
Consumer complaint received 2022-09-29
Company: AES/PHEAA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MyFed Loan was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to FedLoan. I spoke to MyFed Loan several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the Fed Loan balance. 

I have also disputed this balance 3 times as wrote to FedLoan and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/2021 I went to the local car dealership XXXX XXXX XXXX in XXXX Illinois and with my wife applied for a loan to purchase a XXXX XXXX XXXX They found a loan XXXX XXXX ' to take on us as to purchase the suv. On my credit report I have 9 hard inquiries. I am under the impression that when you apply for a loan within a short amount of time, your score shouldn't be affected greatly after the first initial ding. I thought that as we were 'shopping ' for rates they wouldn't all show up as hard inquiries. They also seem to show up as 2 hits for a credit union. 2 hits for a bank ( same bank ). We have some things coming up that we will not be able to do if it shows that many inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate. 

XXXX XXXX XXXX has not answers to this complaint properly. XXXX I filed this complaint 30 days ago and it has not been responded to by the collection agency to any credit bureaus, or the CFPB, or me. It has been over 30 days and this awful violation that occurred via a letter The XXXX XXXX XXXX sent me referencing bogus laws, and coercing me into not disputing and accused me of furious disputing which is illegal and Im breaking the law! I demand the CFPB address this complaint for it has been over 30 days and the furnisher of the letter keeps manipulating the system and the complaint is being concealed. I demand this be addressed today! This was the first complaint with the damming letter sent to me attached! ( XXXX ) over 30 days ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I had a Federal Loan being serviced thru Navient.. I clicked on a link on my payment page offering a lower interest rate and a 5 year repayment.. I thought I was just getting a better rate on my loan -- Turns out my loan is now thru NaviRefi -- I had no clue this was a private loan company -- Now i lost all my federal benefits on my student loan. They basically made their site look like i was just getting a lower federal rate on my loan. They basically scam people into taking their private loans and hiding the details on very hard to see fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved and canceled XXXX XXXX cable. I paid my bill up to the time where my service period lapsed and I was paid up. 

I was informed despite never agreeing or being told that XXXX does not prorate and would charge me for a full month of service I did not use. I decided I'm not giving a large corporation a free month of service and never received any prorated refund, which is incredibly common and simple for a large company of their size to implement. 

I have since received a derogatory mark on my credit score. I won't pay this, they have a monopoly on the area and take subsidies from the government and then won't even do a simple prorate when you cancel service because you moved. The price of the service is high compared to many other countries yet speeds are slower and not sychronous, why? Why do I pay more and get less AND I'm expected to pay for a full month of service when my period lapsed by a few days. 

I refuse to pay it and will dispute it until it's resolved or is pulled from my report. All utilities should automatically do prorates since people do not know when they will move and can not predict it exactly and it should be illegal to write this in any terms of service. I was never informed of this and signing a long, complicated legal document for the only provider available in what is effectively a monopoly is should not be binding when unreasonable ( no prorating policy is unreasonable ).

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