BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX I wrote a letter to Experian asking them to remove inaccurate information on my credit report and sent all of the required documents that they needed in order to proceed with their investigation. On XXXX XXXX, they responded by saying that my request to investigate said accounts did not appear as though it came from me, therefore they will not initiate a dispute nor any further disputes. The first time I called to dispute, they responded by saying I had to write them directly, which I did on XXXX XXXX. Now their written correspondence requests me to call them ( see attached letter ) in order for them to proceed with the dispute?? This is insane and definitely a stall tactic. I have studied credit reporting laws enough to know that they are giving me the run around and denying my my right to dispute the items on my report. This is a DIRECT violation of my consumer rights according to the Fair Credit Reporting Act and it furthermore stalls the investigation process.

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 2017-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, XXXX, I paid my account balance in the full amount of {$1800.00}. On XXXX XXXX, XXXX, Synchrony Bank closed out my account without notifying me, also without my consent. I did not put in a request for my Amazon account to be closed. The only reason I found out the account had been closed was because I check my credit report and it shows the account is currently closed. I requested a reversal of the closed account due to the fact that I did not request the account to be closed, that request was denied and refused.

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: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX XXXX sent a request for approval of services to my insurance with XXXX  and was approved but NEVER sent the bill to them. XXXX is trying to get me to pay for the service after only my primary insurance ( XXXX XXXX  ) paid some of the bill. I called XXXX in XX/XX/XXXX asking why was my bill not sent to XXXX. They didnt have an answer and said they would send it to them and that the debt collection will be removed from my credit report, but it has not. It came back as correct when I disputed it with the credit bureaus. And its for {$750.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The full touchscreen ATM located outdoors of BB & T XXXX XXXX XXXX XXXX XXXX, NC XXXX does register " touch '' in extremely cold and extremely hot weather. I have wasted gas and time TWICE going to this location outside of regular business hours only to realize there are no push buttons for choice selection and my finger touches would not work. I spoke with XXXX about my frustrations on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, the weather was cold and the ATM touch sensitivity FAILED. Now, the weather is hot and the ATM touch sensitivity is still FAILING. This location is also where I had a rude and disrespectful banker named " XXXX XXXX XXXX, NMLS # XXXX '' to tell me that I should " pay my bills '' despite the bank emptying my bank account to satisfy a sheriff levy for a ten year old unsecured platinum credit card. I am very frustrated with this location. There are some good people working there, but the bad ATM service is just unacceptable! I don't want a third wasted trip to the ATM. Can they provide better machines with push button capabilities? XXXX said that he would escalate my complaint since it was my second time calling this year.

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 2023-03-31
Company: EdFinancial Services
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:
As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-08-26
Company: REGIONS FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 USC 1666B : A creditor may NOT treat a payment on a credit/card account under an open end consumer credit plan as late for any purpose

Company 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 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX : I became aware of the Equifax breach which happened between XXXX and XX/XX/XXXXand I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This is concerning to me and would like to be updated on what will happen next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: GreenSky, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
SinceXX/XX/XXXX Greensky has refused to withdraw final payment from my bank account before the promotional expiration date ofXX/XX/XXXX after this date interest would apply at 17.99 % Start DateXX/XX/XXXX Total Purchases {$4400.00} - Total Payments and Credits - {$3600.00} + Total Fees {$0.00} = Current Pay-Off Amount {$730.00} APR 17.99 % Interest Charged this Period {$16.00} + Total Prior Interest Charged {$370.00} = Total Interest Charged {$390.00} Promotion Expiration DateXX/XX/XXXX I have attempted to have them withdraw the funds at least 5 times where reference numbers and emails were sent to me saying they would withdraw the appropriate funds.When I call they say the payment never went through. This is just a scam to bilk consumers and especially seniors to pay high interest charges.I thought at first this was a bank or loan company. Not Greensky, the XXXX, GA BBB says they are a LLC like most small companies and that provides " Loan Servicing '' BEWARE!!!! BBB has over 160 customer complaints of Greensky as ofXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER 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 2022-01-13
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on the covid-19 forbearacne for the last 18 months. Before 18 months, I applied to reinstate payments and was told my loan would go to underwriting. 

Over the 18 months I kept asking to speak with people knowledgeable about my options as opposed to the receptionists I kept speaking to. I was always told I couldn't. I also asked if modification is likely and they always told me yes as they didn't see issues as to why I would not qualify for a modification. 

Now, two months after filling out a loss mitigation application, I am being told ( 1 ) my modification was denied, ( 2 ) I need to fill out an application, which I already did and ( 3 ) were on the brink of foreclosure. 

Flagstar lied to me and mislead me for the previous 18 months as it relates to my mortgage forbearance. Had I known this was going to happen, I would have re-evaluated my options.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account # XXXX, Account name XXXX XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy.

15 U.S.C section 604 A Section 2 : it Also States a consumer 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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX account # XXXX Account Name : XXXX XXXX XXXX, Has violated my rights. 


15 U.S.C 1681 section 602 A. states I Have the right to Privacy. 
15 U.S.C section 604 A Section 2 : it Also States a consumer 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 explanation
Consumer complaint received 2022-06-15
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: Personal information incorrect

Complaint:
There are incorrect information on 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
See attached TransUnion and XXXX still reporting a deleted account from XXXX and theyre reporting my privacy without my written wet ink signature of consent. 

Pursuant FCRA 623 ( a ) ( XXXX ) which says furnishers of information have a duty to correct and update information, it also says they must notify " CRA 's '' of any corrections to the information that they initially reported to them.

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: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, last year I had a XXXX performed. My insurance covered most of costs and I paid all that was owed. 

Today, I received a negative credit alert on my transition and XXXX report from a company called AR concepts in XXXX, IL ( debt collection ) on behalf of XXXX XXXX XXXX SC for {$110.00}. I called AR concepts and gave them my info. Apparently, XXXX XXXX XXXX had the wrong address listed on my account XXXX XXXX XXXX XXXX and XXXX ) and the wrong phone number. They had my mom 's address listed where we lived over XXXX years ago. I NEVER received a bill or a phone call. 

Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Texas Guaranteed
State: FL
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:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( TRELLIS COMPANY ***** Opened Date - Balance {$0.00} ) You are reporting inaccurate information on this account. The balance is zero and the account status was already closed. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Innovate Managed Holdings, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Back in XX/XX/XXXX I refinanced my used vehicle XXXX XXXX XXXX. My previous lender was XXXX XXXX XXXX. 
New lender was XXXX XXXX XXXX XXXX XXXX XXXX ). Literally the same day I signed the contract I received notification from XXXX that my loan is being assigned, sold or transferred from XXXX to XXXX XXXX with servicing to be provided on their behalf by Innovate Loan Servicing Corp. ( with the same terms and conditions ). 
Beginning XX/XX/XXXX I started making payments to XXXX XXXX. 
I have made total payments in the amount of {$3500.00} ending in beginning of XX/XX/XXXX when I again refinanced my car to XXXX XXXX XXXX. 
The reason I decided to refinance was to lower XXXX more than with XXXX, where it was about 1 % down - now my XXXX was decreased from almost XXXX to 6.49 % XXXX. 
Just paying your attention for one detail : when refinanced with XXXX they put my employment as XXXX XXXX with unknown company despite I put XXXX ( XXXX and XXXX ) in application as my primary and only source of income. 
When switching to new ( latest ) lienholder from XXXX XXXX XXXX XXXX XXXX loan was funded by XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX paid to first XXXX ( XXXX XXXX XXXX  ) when I refinanced {$25000.00} ( payoff amount ) When refinanced with XXXX - they paid {$24000.00} to Innovate. 
My total loan balance decreased for less than {$1000.00} despite I paid to Innovate ( XXXX ) {$3500.00} for the period of 7 months with simple interest rate of 10.98 %. 
I suspect I have had usury loan from XXXX ( Innovate ) with hidden fees and charges. 
I also had GAP Contract with XXXX ( Innovate ) that must be cancelled when refinanced. And now I have new GAP Contract with new lender XXXX. 
I have contacted multiple times with Innovate ( XXXX ) recently by email ( messages ) and by calling them regarding getting refund for cancelled GAP. 
Regarding GAP  refund I was told by GAP  company ( https : XXXX ) I need to contact seller, i.e.Innovate. When reached GAP by phone they confirmed my GAP contract # and was then told I have to call them different time about refund cause they are not available. It's like the circle ... completed... 
When I asked Innovate ( by phone ) about loan charges they responded like refinance loans always work this way - more money goes to interest. 
Was it like I wasted my money paying off the loan that after 7 months of payments I owe almost same amount when car value drops much faster?! 
Also I want to add that as for today as seen from XXXX payment page it still shows my next payment due is on XXXX, despite loan was refinanced and they received payoff payment from XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 called Trans Union on three occasions about hard inquiries on my report. There were 59 of them in a 6 month span, and I advised them that I may have had only five of  them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.

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 2020-08-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have read about the Mortgage Forbearance Program being offered by the Federal Government under the cares Act I read the articles & I contacted my Mortgage Servicers & I requested participate in the Federal Forbearance program & I was told by the Servicer that there is no such program being offered, But they have an inhouse program, & I would have to make the entire payment missed once the 90 days expired, I refused their offer, I went online & I read the Cares Act & the specifics regarding the Federal Forbearance program, I called  again & spoke with a supervisor & was told the same thing which is contrary to the Forbearance program approved by the Federal Government, They are giving incorrect information to the public,

Company response to consumer: Closed with explanation