BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: AUTOMOTIVE CREDIT CORPORATION
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I purchased - or I thought I purchased - a XXXX XXXX from XXXX XXXX. I was given a temporary tag even though I had a valid tag from a previous vehicle. After 30 days, I was given another temporary tag. I attempted to have someone in XXXX transfer my valid tag to no avail ; the vehicle was registered to someone in Indiana. I went back to the dealership and ... ... .surprise! They were shut down for fraud. I continued to pay the monthly payments to AUTOMOTIVE CREDIT CORP. XXXX is theis headquarters number in Michigan. As of XXXX of XXXX, they still were not sure of the ownership at which time they sent me a verification of VIN paperwork, which I provided to the Florida XXXX University police dept ( I believe ) i subsequently forwarded to ACC. Along with the vehicle giving me issues and the confusion regarding lien holder or title, I requested they come and get the vehicle, I'm not sure of the date possibly a month or so after. On time payments were reported until XXXX of XXXX. I was informed by ACC that I did not give them enough time to research and they've decided not only to butcher my credit but also to sue me. XXXX XXXX XXXX XXXX XXXX at XXXX. Apparently there is a judgment? I no longer live in the state of Florida. It's been extremely frustrating, why would I be responsible for a loan that was tied into this dealership? This financing was set up by the dealership, not me. I believe they should go after the dealership as another 100 customers did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
From equifaxsecurity2017.com, " I. What Happened On XX/XX/2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/2017. 

II. What Information Was Involved Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifaxs core consumer or commercial credit reporting databases. '' Since then, I have used the site to verify that Equifax believes I was affected, and begun enrollment in TrustedID Premier. I have also filed a 90 day fraud alert with XXXX. I will continue to monitor my credit using XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CURO Intermediate Holdings
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I renewed a payday loan with a company in Colorado called Speedy Cash. The payday loan agreement clearly stated the terms of the loan were to be a total of 4 monthly payments in the amount of XXXX, starting on the XX/XX/XXXXand ending XX/XX/XXXX.  In XXXX they debited XXXX 3 times and XXXX 1 time for a total of {$470.00}. The only transaction that should have happened was XXXX ONE TIME until XXXX. This seems illegal and predatory. They clearly violated the terms of the loan. Now I'm having to work with the bank and the company to clarify the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
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  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXXXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2017-12-26
Company: Ditech Financial LLC
State: MD
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:
My wife and I have been negatively impacted significantly by Ditech erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself at risk of identity theft/fraud due to negligent security protocols in handling consumer information. In attempting to resolve the matter with the company, their only remedy was for them to profit on their gross misconduct by offering to signing me up for " trial periods '' of their paid ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that sold stock immediately prior to the data breach announcement, regardless of whether they were aware of said security breach. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of judgment of who to contact. 

FURTHERMORE, their service of offering a security freeze in compliance with the law is ineffective, as my personally leaked information is sufficient to unfreeze the security freeze without requiring the PIN -- actors with malicious intent could unfreeze my credit simply by saying they " forgot my PIN '' and proving my other leaked details. 

RESOLVED by the above that Equifax is ill-equipped to handle the necessary security protocols necessary to safeguard my and other Americans ' most sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX   and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2020-02-11
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is attempting to collect a debt of approximately $ 7K that I do not owe. They have reported this debt my all 3 credit bureaus and posted to my credit report erroneously. There is no contact for this debt ... .The website 's contact information forwards to an online pharmacy company. They have an F rating on the XXXX  for not providing proof of the collection. Please help me remove this from my credit reports. 



Midwest Recovery Systems, LLC. 
Collections Agencies This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX http : //www.mrs-direct.com/ ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Ive noticed that its inquiries on my credit profile that shouldnt belong and I would like them remove immediately ( XXXX XXXX XXXX, Cap1/Saks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requesting the credit bureaus XXXX, XXXX and Transunion to remove outdated accounts from my credit report for now 6 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Georgia. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as requested but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are also several inquries in which I honestly do not recall authorization my reort to be pulled and have requested for these to be validated and removed. No response or action has been taken on any of these requests. 
At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.

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 2022-06-15
Company: SN SERVICING CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. Me and my husband, XXXX XXXX, are co-borrowers on a mortgage which secures our house located at XXXX XXXX XXXX in XXXX, MA. 

In XXXX, XXXX XXXX acquired my home mortgage loan and sent me a bill for {$1100.00} for " forced-place insurance '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$3500.00} over the period from XXXX to XXXX. 

In XXXX, by mortgage loan was transferred from XXXX to SN Corporation. Like XXXX, XXXX XXXX also sent me a bill for {$1200.00} for " XXXX XXXX '' which they included in the escrow portion of my monthly mortgage payment even though I was already paying a homeowners insurance company a monthly premium. I sent a copy of my insurance policy to XXXX XXXX to show them that I was already paying my insurance premiums. Despite having received my homeowners insurance policy, XXXX XXXX continued to charge me anyway for the next three years, from XXXX, by including the lender-placed insurance into my the escrow portion of my mortgage payment. I was ultimately charged {$2500.00} over the period from XXXX to XXXX. In addition to imposing lender-placed insurance on me, XXXX XXXX also failed to pay my property taxes in XXXX, leaving me vulnerable to foreclosure by the XXXX XXXX  XXXX. On XX/XX/XXXX, I received a Notice of Non-Payment of Property Taxes from the City even though it is not my responsibility to pay the city. It is XXXX 's responsibility to pay the municipal property taxes because they include this in my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, 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:
My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) EQUIFAX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of 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 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 2017-09-12
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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, SSN, DOB, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My husband and I bought a XXXX Toyota XXXX  in XXXX of XXXX. Toyota XXXX is our lein holder. My husband passed away XX/XX/XXXX. Our vehicle was titled XXXX XXXX AND XXXX XXXX. ( Not & or survivor ) DMV needs Toyota Financial to release the title long enough to make necessary changes ( taking my husband 's name off the title ) I have talked to Toyota Financial repeatedly & filled out, mailed AND faxed paperwork to them that is required. They are telling me that DMV will have to fax a written request for them to consider doing this! DMV will not do this, as they have never been asked to do this before! I can't get my registration renewed until this is resolved. I was pulled over by a police officer Friday night in XXXX XXXX Va and was written up with a warning. I'm stuck in the middle of this situation .... PLEASE ADVISE!! I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National credit adjust account # XXXX Violated 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a 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