BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought my truck in XXXX of XXXX. I provided the insurance to the dealership as you always have to to be able to drive off the lot. My truck stayed for a week to get some repairs. I am being charged with LDW fee for that month. I was being charged an LDW fee for 26 other months but have shown all my declarations to get them finally taken off after I have been reaching out since XXXX of XXXX vis email and no one who respond. I got a statement in the mail on XX/XX/XXXX for my last payments. It said I owed XXXX. That was with the 26 months of LDW fees at XXXX each. I paid on the XXXX of XXXX XXXX because according to my credit report that's what I owed. I sent more emails and got nothing from them. Well I got a call on the XXXX of XX/XX/XXXX and she was telling me I owed XXXX I asked her why I was recieving the LDW fee when I have had insurance on my vehicle the whole time I have owned it. She told me to prove it. So i did on all but the first month I had the vehicle. She the said I still owe money from when they repoed my vehicle on XX/XX/XXXX. I then told her that my contract stated that my I had to be 15 days late to put a repo order out and I was only 2 days late when they repoed it. That the manager at the time told me that the repo fee was waived as they took it with no rights too. It was paid in full by XX/XX/XXXX. My bill was due on XX/XX/XXXX. I have screenshots showing that I was only 4 days late when I paid the bill. I was left without a vehicle for 4 days because they took it. They have now called me today to tell me that I owe XXXX and I need to pay that to get my title. According to my statement on XX/XX/XXXX I owed XXXX. I paid XXXX to them on XX/XX/XXXX and now paid them XXXX today XX/XX/XXXX. From my statement I have overpaid. They seem to keep adding more fees and not willing to send me a statement and nothing is available to see on my online account with them. They send me emails but wont respond to me at all. Most of the time they wont let me record the phone calls so I can have proof of things. If I tell them I wont let them record me because they dont save anything they tell me they won't talk to me. They send me one thing in writing and another thing on the phone. I have spoken with XXXX XXXX on XX/XX/XXXX and XXXX. Today I spoke with XXXX XXXX who would not transfer me to her supervisor. She told me to text him or email him my stuff and I have. His name is Mr. XXXX. I have emailed both of them all the breakdowns and showing proof that they repoed my vehicle being 2 days late. I am at a stand still with them because they seem to add more money to my account and I keep paying what they say and then they wont send my title. They wont out anything in writing and I just cant trust them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX collections items that appeared on my Experian credit report in XXXX, XXXX that I have never had accounts with. The first is XXXX XXXX XXXX ( original creditor is XXXX XXXX ). They are tying the account to an address I had with my ex-wife XX/XX/XXXX but have not lived at since. Their last email to me from XXXX XXXX, XXXX Customer Relations XXXX, XXXX XXXX says that while my social security number does not match the XXXX on the account, he has " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' They are saying this previous address ties me to the account even though I have not lived there in over 30 years. The problem is, they can not find the person the cable account IS tied to so they are refusing the resolve this issue on my credit report. I highly suspect they are now blending my file with someone else 's because since these collection issues were erroneously put on my report, several new addresses have been added that I do not or have not lived at ( all XXXX addresses and an address in XXXX, XXXX ) that just appeared since XX/XX/XXXX. I lived in XXXX, XXXX for 27 years before moving to XXXX in XXXX. 

The second collection item I challenged was with XXXX XXXX XXXX. After doing an investigation, I received a notice from Experian saying the item would be deleted. But two months later, it is still on my report as well. I have done my due diligence by showing my previous MD address ( during the period of these XXXX collection items ) which proves I did not live in XXXX, MD when the accounts were set up. In addition to the collections items on my Experian report, Equifax also has the XXXX error on my report and will not remove it either. I have XXXX and can ill afford to hire a lawyer as my first course of action. I have successfully enlisted the help of my Congressional representative in the past with other issues and will likely pursue this as my next course of action. I 'm hoping your Agency can resolve this before I have to pursue that route since your role is to oversee the fair practices of the Credit Bureaus.

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 2022-03-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank doesnt get tired of telling me no each time I apply its not fair I feel discriminated against Im crditworthy and their stupid system never even pulls my credit Im a XXXX XXXX XXXX XXXX and I get discount each time I shop And save with this card but this bank will never consider me or approve me its not fair how am I supposed to qualify when their not even trying to qualify me my credit is not the problem when I call to reconsider they say no

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 2022-03-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: AL
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:
This company continues to violate my rights I keep disputing this with proof so how are they doing a fair investigation but ignoring the proof. I was effected by the recent scandal with them giving the wrong score! Equifax is governed by 15 USC 1681 I demand the account to be removed! On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy. According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I open this account with XXXX XXXX in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with XXXX XXXX and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation

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 2022-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-05-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive had nothing but problems with pheaa from the beginning. They always made sure I was unable to get ahead of the loan, refused to work with me paying back the loan after I lost my job, and even did an illegal wage detachment against me without notifying me and began this wage garnishment on me just after 2weeks if starting a new job and being without empl Yment for a few months. After losing my job this past XXXX, I contacted them asking them to work with me and they wouldnt budge, I informed the customer service rep that I had no means to keep up with payments and they didnt care, the rep actually stated, well thats why we get people incomes returns. The conversation ended with the rep telling me to inform them when I find a job so they can continue garnishment. After that I never heard anything except getting balance statement with added interest included. The last statement I received was XXXX invoice and it stated that I owed over {$11000.00} and XXXX was projected costs. Turns out I would be filing ladt years and this years income taxesSo I assumed I owed {$9000.00} to pheaa if paid off with with taxes. I was wrong!! Turns out Pheaa quickly learned I was claiming 2 income tax return years, and in midst XXXX, they send me a letter demanding immediate full payment, claiming I was late in repayment ( I wasnt though because theyve made me pay about {$9000.00} in garnishment in a yrs time ). In this letter it said I owed al ost {$120000.00} and payment needed to be made in full. I was supposed to receive {$9700.00} back from XXXX return and {$7000.00} for XXXX return. While my taxes are being processed, I am awarded loan consolidation amongst XXXX to and pheaa both and included all of them in consolidation. I get approved for this but also find out that Not only did PHEAA take my entire {$2000.00} return of {$7000.00} but also took nearly {$3000.00} of my {$2000.00} return. NOT ONLY THIS but THEY ALSO got XXXX to buy my loans from them so all the money that pheaa has taken and robbed from me, A total of over {$20000.00}, but the amt that I had originally owed them ( {$15000.00} ) hasnt changed. I STILL OWE EVERY PENNY as if I never paid a cent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX 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 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 2022-03-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX  after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: SC
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I 'm having issues getting results for my disputes i have called the credit bureaus numerous of times and they are refusing to help me every time i contact the credit bureau in regarding my disputes they give me the run around for ex. i called and asked for my results because it has been over 30 days the rep states it came back verified i asked for proof of the verification then the rep tell me that its still under investigation they refuse to provide me with the proof of the so called verification they give me different dates that i have called and disputed

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 2016-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}

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 2016-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian does not provide credit report online via annualcreditreport.com. 
I keep getting the message " we are unable to honor your request '' I am being asked to do this via snail mail! There is no explanation as to why.

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 2015-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When gathering my annual credit report on-line, both XXXX and XXXX provided the report without a problem. The Experian credit report failed repeatedly to do so, with a reference only noting that they are " unable to provide the report ''. There is no provided means of disputing or calling for the required free annual report at XXXX or at experian.com sites ( or via phone to Experian ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: JPMORGAN CHASE & CO.
State: NC
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:
There is an incorrect account reporting to my credit profile, which is affecting my credit, and affecting me from being able to receive new credit I have been requesting to have this debt verified that it is mine and irrefutable 100 % by requesting the original opening agreement with my signature date and ID that was used to open up this loan agreement by mail or by email. However this company will just continue send me an automated message saying that it is validated, but will not present proof on how they validate it or present me the proof that it is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
There 's a chicken-and-egg problem with setting up long-term fraud alerts on my accounts. It is impossible to put a long-term fraud alert on an account without also supplying a law enforcement evidence of a problem. 

The problem is that there is n't a problem *yet*. There 's a poster on the door of my post office that says mail was stolen from there. There 's a notification from XXXX and XXXX XXXX and others that say that my information has been stolen. Yet that 's still not enough to lock down my credit accounts? I have to wait until my life has been wrecked to put some security around my credit accounts? 

That does n't seem right. 

I have to pay {$30.00} to the credit monitoring companies to freeze my accounts ... but the companies get hacked are n't selling security freezes ... they 're selling worthless credit monitoring services, instead. In **ANY** case, the credit reporting agencies are benefiting. 

This does n't seem right. 

Especially when, in the latest hack, it was the credit agency themselves that lost my data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation