BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom it may concern, last year I was at a car dealership looking to finance a new vehicle. I informed the car the salesman that my credit at the time was in fair condition and that I did not want to get my credit pulled multiple times, which would result in a lower credit rating. The car salesman reassured me that they would only pull it once. Come to find out, I ended up having more than 30+ hard inquiries on my credit report throughout experian, XXXX , XXXX.These are the hard inquiries that were added on : 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 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 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized transaction of {$2300.00} from my bank account, on XX/XX/XXXX. It was fraud, even in the case that word scam, is used, it was fraud. I was coerced and told to urgently pay to secure a deposit for an apartment that I have come to find out is not for rent and to a person and a place that were not real, and as a result I never received anything. The funds were sent to a XXXX  XXXX XXXX Bank Account, to XXXX XXXX XXXX. The account number give to me is XXXX and the routing number given is XXXX. I am not sure if those are real accounts, but that is where I was told the funds would be going to. The funds were coerced by XXXX XXXX, as a form of deposit. This is not a recurring payment, and this was a fraudulent. As of XX/XX/XXXX and XXXX, Wells Fargo has said that it looks like there is nothing they can do, and that all was done correctly. They have reached out to XXXX  XXXX XXXX and have yet to hear anything yet. This is my money, just taken and given as a fraudulent transaction, and it is absolutely necessary to be refunded. I am backed by Regulation E and the law fully in this. No part of this was authorized.

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 2022-07-01
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called in XX/XX/XXXX or XXXX 2022, to get assistance with my XXXX payment explaining this was my first day back to work since my daughter having XXXX for 3 weeks and myself getting it within the last 7 days and being in and out of the XXXX  with my daughter. I asked if there was any help since my work does not cover XXXX unless my child and myself had the booster shot. And my first paycheck wouldn't be until the XXXX. I was declined and told I just need to make the payment by the XXXX or it would go over 30 on my credit.i explained I could make 2 payments with my paycheck on the XXXX but was told they had no assistance available because I hadn't made 12 consecutive payments and that they couldn't extend my payment to be due on the XXXX. 

I am very disappointed because I had no way to make the payment since my daughter was in and out of the XXXX  with XXXX and I was able to make both payments on the XXXX. 

Now my credit has been affected which now caused my credit card to close my account. 

They offered no help for the circumstance and stated I could borrow the money and pay it back when I got paid on the XXXX. 

As soon as my paycheck came in which ended up being on the XXXX I made both payments like advised I would be able to do. 

I would like the delinquency for XXXX reported in XXXX removed. They should have been able to provide some kind of assistance or at least moved my payment to the XXXX so I could make the payment without it hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Loan via Toyota financial was closed and sold to XXXX XXXX XXXX XXXX XXXX  letter sent in XX/XX/2022 XXXX due to accident of nature XXXX car gone contacted XXXX advised loan closed sold to XXXX  XXXX contact XXXX XXXX did spoke with XXXX was advised did not repo did not have authority but call back Monday see if police can advise of repo police could not again called XXXX Monday XXXX advised call XXXX XXXX XXXX XXXX  said XXXX we can not repossess we are a debt collector XXXX Toyotas contacted again deferred to XXXX XXXX  XXXX to another toyota department again no idea where car is loan closed XXXX Tortola lm XXXX Toyota lm they did repo letter was written to advise XXXX although taken XXXX and toyota no XXXX XXXX owns loan that is under XXXX they sold the debit repo car wont give where property is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
SUMMARY : ORIGINAL FEDERAL STUDENT LOAN PRINCIPLE {$14000.00} UNPAID FEDERAL STUDENT LOAN AMOUNTS {$10000.00} ORIGINAL PRIVATE STUDENT LOAN PRINCIPLE {$24000.00} UNPAID PRIVATE STUDENT LOAN AMOUNTS {$57000.00} TOTAL COMBINED FEDERAXXXX & PRIVATE PAYMENTS ( Please see attached document ) {$34000.00} Important to note : NAVIENT SET-UP PAYMENT ARRANGEMENTS FOR A DAY AFTER THE PAYMENT DUE DATE AND THEN CHARGED LATE FEES FOR A TIME BEING. 

Federal Student Loans # 1 Original principle {$2600.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2200.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$3800.00} Unpaid interest {$3.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX XXXX receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2400.00} Unpaid interest {$2.00} Interest rate 2.32 % # XXXX Original principle {$2600.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$1500.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$870.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid XXXX {$370.00} XXXX XXXX {$.00} Interest rate 2.32 % ___________________________________________________ Private Student Loans # XXXX Original principle {$11000.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid principle {$29000.00} XXXX XXXX {$120.00} Interest rate 10.50 % # 2 Original principle {$13000.00} Disbursement date XX/XX/XXXX XXXX XXXXe XXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient Private Loan Trust Unpaid principle {$27000.00} XXXX XXXX {$100.00} Interest rate 9.50 %

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: ALLY FINANCIAL INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contact you to help me get my money back from ally bank. they responded with a letter as you will see in case file. XXXX they said that irs said check are not valid they are. look at what XXXX  said. XXXX  is the VA XXXX XXXX XXXX. that as i live in XXXX. I am XXXXXXXX from the XXXXXXXXXXXX i get paid for XXXX XXXX 

I have the Email from XXXX of XXXX  to show ally bank has kept my funds. they cashed. checks cleared. 

No holds on checks. we had 2 hours phone. she seen they haver my money. 

so many phone calls. yelled at told to stop callimng ' " key line they said. IRS said checks no vaild. they calledd IRS? I am XXXX I want them to move my money to my XXXX XXXX account. ASAP before I go US embassy call FDIC fraud police.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Recent updated information on credit report is inaccurate. 
- states that Ive lived at current address since XXXX. I have resided at the current address since XX/XX/XXXX. 
- updated Shellpoint mortgage Servicing to reflect 99 years Terms duration! How is this anywhere near accurate? 
XXXX XXXX reports scheduled payment amount as $ XXXX. XXXX received $ XXXX. I was NEVER notified by XXXX of ANY increase in monthly payments! If they are going to report on my credit they absolutely NEED TO INFORM ME OF ACCOUNT INFORMATION!!! 
-also what is 30 months duration? 

Every single dispute changes what is on my credit report from the previous dispute. Equifax claims to have verified this information!! Obviously its not been verified & my credit score is damaged because of this!

Company response to consumer: In progress
Consumer complaint received 2020-09-02
Company: FREEDOM FINANCIAL NETWORK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I signed up to use Freedom Debt as I had 2 XX/XX/XXXX and was in midst of a divorce causing financial hardship in XX/XX/XXXX. I was told in XXXX that I would have debt settled in the range of 40 % -65 %. With fees my settlements included to be 8 % debt reduction. No where between range promised. 

I messaged Freedom debt on their app what the pay off would be and how soon it would pay all accounts and graduate from program in XX/XX/XXXX. I was told the amount was and it was 30 days and all would be completed. I made the deposit requested by FDR on XX/XX/XXXX I messaged in XXXX after 30 days as accounts were not being paid and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in XXXX after 30 days from may contact. Accounts were not being paid still and fees were continuing. They were withdrawing more money from my accounts due to these not being resolved. 

I messaged again in 2 weeks later XXXX after early XXXX contact. Accounts were not being paid still. I told FDR to seize and desist from withdrawing from my bank accounts. They still did it after the seize and desist request. I have screen shots of the messages related to these messages. I complained to FDR yet again and told them next time an attorney will be contacting them. They resolved the debt immedialtey and was paid of XX/XX/XXXX. 

Today the accounts are paid off but continue to take fees on remainder of balance. I have exhausted all possibilities of working with FDR when seize and desist order was not taken seriously. 

They extended my poor credit even longer so I could not refinance my house in time per court order and affected my credit scores to stay poor longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
To whom it may concern, I created an account to monitor my credit and was surprised to see that I was impacted with a 30 day late hit with the credit bureau XX/XX/2019 which has greatly impacted my FICO score ( s ). I have been a long time customer of Macys with perfect payment history. This blemish was due to a result of not receiving a billing statement in the mail. Once alerted, it was corrected immediately. I had no idea my credit was impacted. I value my credit and relationship with Macys and hope that during these uncertain times they will reverse the XX/XX/2019 30-day late hit with all credit bureaus to restore my credit profile.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-07-01
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: 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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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 2022-11-30
Company: Stellantis Financial Services US Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was on leave of Absent from my job and I can thems and ask can I get car Refinance in first investor told me they dont do than I ask can one of my payment to be put at end and they said they dont do that..And I told them I was coming back for my car.and they sell it to the Auction now they want me to pay for the towing and change the lock on car and Title..but it at dealership in XXXX for {$19000.00} I had pay it down to 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 2022-12-02
Company: ALAMEDA MORTGAGE CORPORATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alameda mortgage was in receipt of my cancelation of loan XXXX for XXXX XX/XX/XXXX. The law and contract says all of lenders interests in my property are canceled immediately period. They sent me a bill for the canceled loan while I made payments on the original loan for XXXX with Alameda. After I cancel Then they prove to me they have canceled all interests. Then they return the money they took from me for the loan, XXXX XXXX They did none of that. But I gave back money per contract, after a reasonable time for alameda to fix their breach of contract and law. I gave back almost XXXX of the XXXX they gave me. They paid off XXXX in cc. The contract said and the law that they have to ask for any more money or property or I may keep it. They did not ask. Then they sent a bill for the canceled mortgage then their attorneys said I was 44 days late to my attorney and then they sent their attorney to intimidate me again stating they credited the payments I made to them for the XXXX loan, to the canceled loan. They asked for escrow payments they never set up. My home was uninsured for 3 months because of them. But they continue to bill me for escrow and sent that to the money source. Now the money source is trying to collect on a canceled loan and for escrow payments. I fail to see how this company continues to get this agencies support when it isnt even trying to hide their unlawful conduct. Its a free for all on predatory lending, breaking the law, and unlawful debt collection because this agency gives them the green light to do so. This loan was canceled and they broke the law by not canceling it and you agree. Then you agree I have to pay an additional XXXX $ a month for 30 years to this company and I got NOTHING from this but ongoing serious financial injury, lost retirement income, lost hope, anxiety, and a firm understanding that this agency serves the criminal predatory lenders and punishes the single family homeowners who are retired and alone. The law means nothing here!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: AZ
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 account has was paid in 2020. XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation