BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX in XXXX Arkansas sold me a XXXX XXXX and could not fix the leak in the XXXX  XXXX had it a little over a month and it had been in there shop 4 times and still leaked The service manager XXXX XXXX told me that the hole i could stick my hand in was normal and XXXX percent of XXXX leaked i had to XXXX the car and tell him the fifth bow was bent Anyways XXXX XXXX  the salesman i delt with recomended getting a new car to fix problem. I took the bait. XXXX informed me XXXX the main manager and the others were doing my paperwork while i drove the new XXXX I left thinking that new XXXX dollar XXXX i got for XXXX for all the trubble. I soon realized that i had it crossed and i was paying XXXX dollars on the XXXX they couldnt fix ive been back to get no help they XXXX me and my wife up and are taking money they dont deserve plz help us these guys are crooks and liars in suits

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have 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. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada 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 2021-02-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital LLC added a collection on my credit reports without my knowledge and in doing so on XX/XX/2021. This collection violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Block, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I wanted to deposit my money from cash app into my bank account with a XXXX or XXXX day delay so it would be free. I touched the instant deposit spot ( they're right next to each other ) and it cost me north of XXXX dollars. I contacted the company right away and they basically said too bad so sad. That is unacceptable, I am willing to wait for my money so they can get a few days use out of it. I am NOT willing to pay an annual interest rate of roughly XXXX XXXX ( cost me XXXX dollars for the use of XXXX bucks for XXXX days ) They should be forced to have an " are you sure? '' button to click like when you delete something.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.

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 2017-04-16
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX in XX/XX/XXXX-XX/XX/XXXX i graduated with my XXXX degree. when i first signed up for the school the recruiter told me that they where a accredited school i later found out after spending a over a year enrolled with them that was not the case. i was aslo pushed into taking high intrested loans to pay for my time with the school im now over XXXX in debt and un able to pay my student loads facing wage garnishments and struggling to pay for my living expences. navient holds my personal student loans that have an 10 % and a 12 % intrest rate on them. double the fedral rate i hope that some one reads this and i hope that some one can prevent this from happening to some one else. if there are any programs that can help me please let me know and also any pending lawsuits against XXXX i would like to join them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: SC
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 have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, XXXX, and Experian ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, Experian or XXXX ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

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 2022-08-27
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 completely disagree with your response to my complaint about a XXXX day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, Chapter XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my second XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: EQUIFAX, INC.
State: AL
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:
In XXXX XXXX XXXX I got notice items were removed and added to credit report for Equifax. There was XXXX delinquent items deleted and XXXX new ( valid ) accounts added. On today XXXX XXXX XXXX I received notice my credit score had dropped and not only was those items added back but the actual new credit lines that was previously added has been removed. I call Equifax and was adviced there is nothing that can be done. Not only was I not notified, this is neg effecting my credit that I 'm working hard to repair. In addition I 've notified the bureau on several occasions they have incorrect personal information. The addresses being added were removed and added back. There should only be XXXX address which is XXXX XXXX XXXX XXXX Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Home Point Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my home and closed out my loan with Home Point Financial on XX/XX/2016. I have received documentation from the company that my loan has been paid in full. However, Home Point has failed to refund my escrow account. Four months after paying off my loan, the company owes me {$3100.00} in escrow refunds. I have contacted the company repeatedly to obtain these funds and Home Point acknowledges that it owes me this money. However, the company claims that they have mistakenly been mailing the escrow refund to my old address, despite my many and repeated attempts to update my mailing address. I have called customer service over and over again, and every time I call them they claim that the address update did n't go through and they somehow mailed the check to the wrong address, but they will absolutely correct the mistake, cancel the old checks, and expedite the mailing of a new check to my current address. The last time I called them and received this story was a month ago, and I still have not received the refund check. Nor have I been contacted by the company. 
After so many attempts on my part to obtain these funds from Home Point Financial, I believe that the company is acting in bad faith and is attempting to withhold the escrow refund that I am due. It is now months late and there is no reasonable excuse for the company 's failure. I will be very grateful for any assistance that the CFPB can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Well I have been victimized f identity theft for years. Every since then I been trying to stay on top of my credit file. So Transunion credit agency have deleted some f my information and my inquiries and two days later they put them back on with other withou y knowledge I have talk to the supervisor nd she said she will take them all back off and I waited and they still on my credit file. Now since I talk to the Fraud department I just get the run around. I have all kind of letters from errors or dismissals and a police report stating me being victim of identity theft.Can you please look into this matter. Thank you. And I have others if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Transaction issue

Complaint:
My husband was paying on line and accidentally missed the decimal point. The bank took XXXX They also took {$300.00}. The {$300.00} was the correct amount. The error was noticed right away and the bank was notified over a week ago. They have not returned our money. They say they need to research it. This is almost all the money I have in this world. I can not live with no money and they are not returning it.

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 2020-02-17
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

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 2020-02-17
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XX/XX/XXXX/XX/XX/XXXXXXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.

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 2022-08-27
Company: EQUIFAX, INC.
State: CA
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 completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX  XXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

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