BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
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 status incorrect

Complaint:
XXXX  I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with XXXX  and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
Experian - I called them and same as mentioned aboved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
RE : Equifax data breach For 5 days now I have been unable to access Equifax breach website to determine my impact and to subscribe to ID theft protection. I can not get past XXXX screens despite multiple correct attempts. I have called help line and their response has been to try again later as site is experiencing high volume. I have tried over 5 days, multiple times each day and multiple ( as many as 10 ) times per access. Do they care? Are they allocating proper resources? Or are they experiencing a denial of service attack?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I began receiving numerous phone calls every day at all hours along with letters that said I owed a debt that I didn't believe I owed. I asked my husband to contact them to find out what they were calling about. When he asked them for proof of the debt they didn't want to send it. Finally they agreed to send something. When it arrived it was only part of the story. They left off payments etc that would reduce the amount. They claimed it was what they were given as they had received it from another company and they were the 3rd party. 
When we offered to pay the amount that was actually due they wouldn't accept it and threatened to sue. 
Eventually they somehow got a " judgement '' on XX/XX/XXXX. We were not notified of the time, date, or meeting, whatever they had, for this " hearing '' so we couldn't be represented. 
I don't know how much they have taken in the interim from my checking account because my bank hasn't notified me who has been taking the money, but it has been several hundreds of dollars. 
Yesterday I was told they have somehow gotten an " Order of Wage Garnishment '' at my employers office. This one has a date of XX/XX/XXXX. AGAIN no opportunity to contest it, question it, or settle it. 
These people are dishonest and deceptive in their practices. I have had no opportunity to settle the debt and resolve this. Further, I suspect it has been reported on my credit bureaus again unfairly and incorrectly. 
This needs to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello XXXX, I purchased my home in XX/XX/2015. When I purchased my home the taxes was {$1700.00}. In less than 3 years my property taxes nearly tripled to {$7500.00} per year. Im not sure if the sellers were senior citizens who were entitled to a senior discount or in the military and receiving 70 % or greater discount that resulted in very low taxes. The sellers were not at closing, so I never met them. 

I was never informed by my mortgage loan originator ( Loan Depot ) who the sellers were. I only knew that the property was in trust. I later learned that the property taxes are based on 2 % -2.5 % of the sales price which was $ XXXX. I would like to file a complaint as a result of my property taxes tripling in just 3 short years.

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

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: WI
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 lead 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 while Equifax has access to all means of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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:
I check my credit profile regularly on XXXX XXXX. I noticed a XXXX XXXX credit card as well as a XXXX XXXX XXXX XXXX XXXX card opened on my account in the fall of XXXX. I called both companies immediately and informed them about the fraudulent activity. I also opened an investigation with the FTC at XXXX and had several XXXX holds placed on my credit profile. I received letters from both XXXX and XXXX XXXX that the accounts had been closed due to suspicious activity, however both both accounts still show as " hard inquiries '' under my credit profile. The XXXX card shows as a hard inquiry under my XXXX profile and the XXXX XXXX card shows as a hard inquiry under my Equifax profile. As an aside, Equifax shows another hard inquiry from " XXXX XXXX '' that I do n't recognize ... perhaps related to XXXX. The credit companies appear to have done their part, however the credit reporting agencies do n't appear to have any interest in rectifying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Client Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX XXXX XXXX, offered a Lease deal of 33 month with 7500 miles per year. we drove the car to XXXX  under the impression that XXXX. we now turned in the car and Chase is letting us know that we only had XXXX because the lease for 33 month and not the full year. Interestingly enough when we leased the car there was no 3 year choice for the 7500 miles per year. They are now charging us an extra {$300.00}. this was never explained. As a matter of fact, the dealer even said we had XXXX miles. Chase is the finance company and are hiding behind the fact that it was the dealership 's responsibility to have informed us and to place a complaint. The issue is that the over-the-miles fee are kept by Chase. This seems like an unfair practice and misleading. Chase and XXXX XXXX are hiding behind an erroneous arbitration clause that does not fully define what the actual arbitration clause. I am speaking to a supervisor over at Chase as I write this letter ( ID is XXXX ). She says she has the lease agreement on hand. I asked her to let me know in what state are arbitration is held, and it is obvious the contract does not state where. She referred a website. I am sure that I am not the only person affected by this misleading practice just to be able to squeeze few hundred dollars from consumers. Please note in the contract page 8 # 13. Reads " excess of 7500 miles per year during the scheduled Lease Term. '' Where does it say that based that the loan is for 33 months that we will be prorated. The minimum arbitration fee is {$1500.00}. Therefore, what consumer arbitrate when it would be cheaper to simply pay the fee. Chase has a fiduciary responsibility to make sure that dealers are disclosing properly how their product works. They are ignoring this fiduciary responsibility in order to continue to reap profits from consumers. they are no better than XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My lease ended on a XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I returned my XXXX   and now lease a XXXX. I payed my property tax on the soul in full. I requested a abatement in XX/XX/XXXX. Over the past year. I have spend hours on the phone. Im on hold for at times 2 hours. I get transferred to different departments and no one helps me. I have faxed requested paperwork 10 times. In XX/XX/XXXX I was promised the abatement was sent. I called today again on hold over an hour. Transferred to 3 different departments and was told. The abatement was filed XX/XX/XXXX. I am totally disgusted. I pay my lease on time but have to wait a year for {$100.00}. May not be a lot to you but I work extremely hard for {$100.00}. Please please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CL Holdings LLC
State: OH
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:
I received a letter from my current employer alerting me that my check was being garnished.. when I called the XXXX XXXX who is responsible for the garnishment they said they tried to contact me using an address that I have never lived at and they werent able to verify it was me. I asked them to mail me proof that I was responsible for the debt they sent me a letter trying to verify my identity AFTER the garnishment court date telling me I had 30 days to verify debt.. I went to the courthouse and they told me the court date had passed and the court signed of on a garnishment before the company XXXX XXXX even verified I owed the debt. I do not owe this debt I wasnt even given the chance to prove it wasnt my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was XXXX XXXX for XXXX years and separated. The transition was difficult and finding a new job with new expenses such as XXXX and XXXX expenses made it difficult. I fell behind when I was unable to pay expenses for XXXX and housing difficulties to include leak in house, leak outside house, car care, job transition that was not paying amount needed to live within means. Relied heavily on income tax return to get back on track but entire amount was taken to pay off XXXX XXXX XXXX starr card. XXXX approx. would have been used to catch up on housing mortgage. I never was informed that this amount was taken or to be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Lockhart, Morris & Montgomery Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got letter which showed me the owed amount is {$2500.00}. I received this Letter as XXXX. I didnt understand the reason of this letter

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: 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 XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2020-02-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX reference my previous complaint. They did complete the IDR for this current year. However, they had me submit my documents for 2013 - current to redo the Idr for previous years as they never suffered nor allowed me to correctly utilize my income for those years as since i incurred the loans prior to my marriage and i have no access to his accounts. I do not have to use his income. They agreed to redo those years, but i have not heard a thing. I am eligible to the pslf loan forgiveness and would be on my 7th year of repayment. I have turned all requested documents. I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-08-15
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2017-09-12
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 experienced a prolonged hack, which led to all of my personally identifiable information being released alongside hundreds of millions of other Americans '. As a young professional, this weighs heavily on the rest of my life, leading me to requiring constant vigilance as a result of being a victim of this crime, without any possible steps being taken to prevent it. 

The information in their database was not secured in any proper way, leaving me, alongside millions of other Americans including my close friends and family, at risk of financial ruin at any time. This information could destroy the credit my family and I have worked to build since our arrival in the United States ; it could lead to tax fraud and leave us without our deserved tax returns ; and it could lead to crippling debt we may never recover from. 

I, along with my fellow citizens, could not have taken any steps to prevent this from occurring ; the information compiled by Equifax was gathered without my consent ever being prompted. While this is the purpose of credit checking companies, the fact that the information they gathered is valuable enough to act as almost absolute proof of my identity is unforgivable, given their lax security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In XX/XX/2020 my credit score went down 51 points on trans union and 69 points in XXXX. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called trans union but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. XXXX  does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.

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