BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: OH
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 attempted to resolve this matter over the phone and by mailing Equifax back their very own Research Request Form in XX/XX/2021 informing them of this inaccurate information listed. Such as accounts, addresses, allowing soft inquires etc. I do NOT and did NOT give oral, nor written consent to Equifax 15 USC 1692c ( a ). Equifax has taken it upon themselves to take on a role with my non-public information to be displayed for the world to see 15 USC 1681a ( 3 ). Equifax did not exercise their grave responsibility, they are using unfair, partial and did not respect my right to privacy 15 USC 1682a ( 4 ). I never instructed Equifax to furnish a report, nor did I instruct Equifax to create a report. Equifax has no Permissible purpose 15 USC 1681b. I have lost out on opportunities on providing better for my family due to Equifax fraudulent actions and lack of due diligence on validating the accuracy of my nonpublic information to begin with. This has caused mental anguish, my valuable time and money in attempt of resolving this matter. There's is only one Bureau and that's the CFPB whose job is to ensure these vultures does not abuse me a living being, the consumer. I the consumer is protected by laws put in place by Congress and I will make sure Equifax is held civilly and criminally liable for the damages they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had one recent fraudulent transaction on my debit card issued by Ally Bank. The transaction was blocked by Ally Bank and I didn't lose money The bank sent an email showing the transaction and advised me to call. After over a half dozen calls, each time being on hold for well over 30 minutes, a voice comes on to say that " no one is available to help you at this time, please call back, good-bye ''.

But meanwhile my debit card has been cancelled by All Bank. I can not charge the card for merchandise, or get cash out of my account, and numerous automatic payments are scheduled to be paid with the now-cancelled debit card. I have tried to reach Ally Bank in an attempt to find out if I have been sent a replacement debit card. 

But, once again, it is virtually impossible to reach customer service at Ally Bank, on phone or via chat.

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 2017-01-25
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was renting a home in XXXX GA through a company named XXXX homes. Covid 19 had just started and the company sent out emails and posted on the resident portal that if anyone has been affected by Covid-19 and needed to get out of their lease, pay their lease late without late fees, or needed extensions ; that they were willing to work with anyone. I spoke with my home manager and she agreed that I could break my lease with no fees or balance due. The company kept my deposit and the home was rented out in less than a month later. They have since put the collection on my credit even with the agreement. I've disputed it and submitted all corresponding emails. They refuse to remove the collection.

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

Complaint:
Equifax mishandled my information which has led to a breach that puts me at potential risk as of XXXX  2017. 

I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: National Credit Systems,Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A purchase from XXXX using their financing services, provided by TD Bank, was made last year. The item was returned to XXXX within 10 days and a customer support representative assured me the balance was credited back to the account and no further balance remained. I have since received dozens of calls and two letters from TD Bank requesting payment of the full balance. I have spoken with XXXX who continues to assure me the return was processed and charge reversed. TD Bank still continues to pursue this balance despite being provided this information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Exeter Finance Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Company : Exeter Finance , LLC, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, TX XXXX On XX/XX/2022, I completed paying off the amount of a vehicle loan with Exeter Finance . By this date all the payments were paid and cleared with an Echeck through a financial institution. On XX/XX/2022 I printed a Payoff Quote from my Exeter Account Portal. The Payoff quote was {$0.00}. 
According to a statement on the Payoff Quote, Exeter will take 45 days after the account is paid in full to release the lien on my vehicle " ( or earlier as required by state law ). '' It is my understanding that Wisconsin Statute 342.22 allows a debtor to receive the lien release within 10 days if requested of the lien holder in writing. 
On XX/XX/2022 I submitted a written request to Exeter to release my lien within 10 days. I submitted the request on the Exeter secure message portal. I received a reply stating that I had to call Exeter. 
On XX/XX/2022, I mailed a written request to Exeter to release the lien within 10 days. As of today, XX/XX/2022 the document is in transit to the address listed above. 
On XX/XX/2022, I called Exeter Customer Service about the request I'd submitted on the secure message system. I was told that they would not accept the request I submitted on the secure message system because, " anyone could have submitted that request. '' After a lengthy conversation with the " management team '' I was told that they will consider the request when the mailed document is received. Although I quoted Statute 342.22 to them, they insisted that after my written request is received they will take 14 days to process the request, and another 10 days to release the lien. That is a total of 24 days, not the 10 days as I understand in the statute. All the funds have been deducted from the financial institution I used to complete the payoff. They have my money but refuse to acknowledge the Wisconsin Statute requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX  XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX  XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.

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 2016-06-16
Company: Miller, Stark, Klein and Associates
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have received 2 phone calls now from a place called Miller , Stark , Klein and Associates. They claim that they are collecting on a debt that I owe from XXXX or XXXX. I told them that I did not know what they were talking about and handed the phone to my daughter both times that they called. Therefore, they broke the law by talking to someone else about my alleged debt. They have threatened to take me to court and sue me for this since I will not set up payments with them over the phone. My daughter told them during both calls that I do not owe this debt. She also told them that they are breaking the law by trying to collect on the alleged debt because it is too old and way beyond the statute of limitations. Each time the person became angry and stated that they will sue me for this debt that I do not know anything about. They have never sent me a bill which is also illegal. They have only contacted me over the phone. They have the last XXXX numbers of my Social Security Number and I do not know how they have that. They said that they will garnish my wages too, I am old. I do not understand what is happening. I almost had a nervous breakdown after the second call. I have not cried like that since my wife passed away. My daughter and granddaughter had to talk me through it. I have XXXX. This harassment and lies does not help. I need you to help me, please. Make them stop. They are breaking the law. They say that they can do this, but my daughter tells me that they can not. I found on the internet on an FTC page that there are companies with similar names to this company that has already been in trouble with the FTC. Apparently, they have now started a new company and are back at using illegal debt collection practices. Their phone number is XXXX and again, it is Miller , Stark , Klein and Associates. Please help me and make them stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2022-01-25
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I contacted my mortgage servicer to notify them of hardship and unemployment. The automated system for Amerihome Mortgage informed me that they would send out a package for hardship. On XX/XX/2022 I contacted Amerihome Mortgage to let them know that I did not receive the packet. 

When I called, I was given an interview with customer service representative. After the interview, the representative informed me that I was only eligible for a loan modification and I could not request a 6 month extension of forbearance. At this time, I am unemployed and I am requesting a 6 month extension of forbearance. I am reporting Amerihome Mortgage for failing to honor the 18 month forbearance supported by law. I am also reporting Amerihome for failing to provide information in a timely manner. I will be held accountable for late payments due to their failure to provide support. 

Please look into this matter as soon as possible. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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 information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: TX
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:
I was thinking about buying truck from XXXX XXXX XXXX in defiance, ohio. A few weeks ago. XXXX advertised they were offering 0 % Interest on new vehicle purchase so I decided to apply to XXXX XXXX only. They sent my approved application to XXXX XXXX XXXX. I called the sales rep to see what the status of the app was and he said I was approved at like 6 %. I said what happened with the 0 % that XXXX is offering and he said he would look into it. The following week I called him back to see what was the status of the XXXX XXXX application and he said he was still working on it. A few hours later a receive a call from XXXX XXXX trying to talk to me about the auto loan. I told them that I never authorized any one to run my credit with XXXX XXXX. I then called the sales guy from XXXX XXXX to ask why he ran my credit with XXXX XXXX and he said when I applied for the auto loan with XXXX XXXX I was also authorizing them ( XXXX XXXX ) to run my credit with other banks. I told them that never authorized that and not to run my credit any more. He was able to the me a lower rate at 3.34 % but I was really looking for 0 % that XXXX was advertising. I still accepted the offer but now I'm receiving several letter from a bunch of different banks saying that I was denied for a auto loan that I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.

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 2020-05-22
Company: Experian Information Solutions Inc.
State: SC
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries 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 explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card off in full XXXX day late. I asked to please close the credit card since this is the only card I have to pay off each time I use. All my other cards are automatically deducted from my banking accounts. Since I asked for the account to be closed the representative became angry and did not close the account and I received a {$70.00} interest charge. I called and told them this is completely unreasonable and they said if I kept the account open they would remove the charge. I did not agree and asked them to remove the charge and close the account. I just spoke to them again months later and the account is still open and the balance is now {$330.00} all in interest charges. They told me they are send this to attorneys and I am going to be sued.

Company response to consumer: Closed with explanation