BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern, Pursuant to 15 U.S. Code 1681a- Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 3 ) Restrictions on sharing of Medical Information.

Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by coperate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the Consumer for medical products or services ; or ( C ) an aggregate list of identified Consumers based on payment transactions for medical products or services.

Pursuant to 15 U.S. Code 1681b- Permissible purposes of Consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

As a Federal protected Consumer, I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. Proof of the law Persuant to 15 U.S. Code 1681b is attend with this complaint.

Concerning the accounts listed below as a Consumer Im demanding a deletion of these accounts : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Collins & Hilton Asset Group, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hi There We had taken out a consolidation loan a few years back after our son died ( we co signed his XXXX debt and needed to pay it off ) Times became hard, etc. I called the company explained the situation and they stated they would charge it off due to our circumstances. Flash forward XXXX years later, a company called Accelerated Inventory ManagemenXXXX bought the debt for 'pennies ' and has now filed a lawsuit against us. I have spoken multiple times to the attorney 's office ( XXXX and XXXX ) and reached a settlement agreement for {$15000.00} if we paid it immediately. Which we did. They will not send anything in writing to me to confirm this and yet STILL filed a judgment against my husband, not on me as it appears they 'extended my court date '. No one will send me anything in writing even though I have a XXXX balance receipt ( attached ). How can they legally file a judgement against us even though we reached a settlement? I need help please, this is just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: ALLY FINANCIAL INC.
State: VA
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:
I sent in my Payoff check on XX/XX/XXXX, Ally claimed they lost the check for over a month I sent overnight XX/XX/XXXX and they claimed they never received until they I provided the tracking and they found the check. they told me it would take 7-10 business days to process. I called after the deadline and they stated they never received the check again after confirming they had it. They then asked me if my previous check was still active as they made it seem they now all of a sudden found that check. It has been over the deadline and they still have not processed my payment and threatening to put a late payment on my credit report and saying I will need to be responsible for fees even though they are refusing to cash my check. They also took away my access to document and send notes on my account as I kept documenting all of my communication with them. They told me to call my new financier to see when they cashed my check when thats not their responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Trans Union crediting bureau is giving me a bad credit rating stating that I have delinquent accounts. I do not know what account that I have is delinquent. They are also saying that I have to many open accounts. The accounts that are open do not have a balance or I faithfully make the payments and on time. The other two credit reporting agencies always give me an excellent credit rating. I do not understand why Trans Union keeps giving these incorrect reports.

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 2023-08-03
Company: SANTANDER HOLDINGS USA, INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The leasing company is Chrysler Capital and my lease is about ready to terminate for my XXXX XXXX XXXX. 

With about 60 days to go - I made the decision to sell the car to a dealer if the offer I would receive would leave me with equity in the car. I secured an offer for {$38000.00} well above the ~ {$32000.00} I had left in the lease. As I moved through the process, it was required that that we secure a dealer payoff to provide XXXX with information on what needed to be paid off. Chrysler Capital refused to provide a dealer payoff saying- within 61 days of termination - there is not enough time to process all of that. I thought that was not true. They did offer to provide me with a " Customer Payoff '' which outlined what was left on the lease and the sales taxes of {$2000.00} that would have to be paid to close the lease if I was buying it. 

XXXX ( and every other dealer I talked to including XXXX ) said they would accept the customer payoff but they would have to pay the sales taxes and deduct it from the equity payout to me. That is not fair because Chrysler Capital said - once they are paid the amount from the dealer - there is no refund of the taxes to me even though a dealer bought the car ( which is a tax free transaction ). Given that receiving my equity for the car is basically an option that expires when the lease terminates or 30 days before - I had no choice but to let Chrysler Capital " hold me up '' for the sales taxes of {$2000.00}. 

My ask is that Chrysler Capital refund me the sales tax money because a dealer bought the car - not me. Their policy is not published on any of the statements I get and when do they think people start thinking about lease end ... .six months before? - no 60 days or less. I believe they know that and their beyond 61 day rule for a dealer payoff is a ploy to extract sales taxes as extra profit which should be against the law. Further, Chrysler Capital did reach out to me about lease end options finally in a letter dated 50 days before termination date... so how can do that when one of their options is contingent on a 61 day rule. 

Please take action to have my {$2000.00} returned to me. I am attaching my customer payoff letter, the letter I received from Chrysler Capital ( dated XX/XX/XXXX ) and a statement that verifies my acct and termination date... 

Thank you for your help in advance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX  ; Experian and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.

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 2018-04-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a credit from XXXX 's XXXX XXXX mobile phone service in XXXX for a phone that died. That credit went to American Express, because I had originally purchased the phone with an Amex card. 

However, I had canceled my XXXX-branded Amex card a year earlier when XXXX switched its card to XXXX XXXX. 

I was told by XXXX that the agreement between XXXX and Amex to transfer misdirected credits and payments within 15 business days had just expired, so my credit might take longer. 

It's now been nearly four months, and still no transfer of the {$210.00} credit to my XXXX XXXX account which Amex has had since XXXX. 

XXXX XXXX says the credit was accepted by Amex, so there's nothing it can do. A XXXX customer service representative says there is bad blood between the two companies about XXXX 's switch to XXXX, but it can't force Amex to transfer my credit or otherwise do anything to help obtain my funds. Amex has had me on hold or speaking to non-native English speaking customer service representatives for hours. 

One Amex rep told me, after a lengthy process, that he was not able to even get into my now-closed account. Another told me I would get a call from a higher-level resolution team within 30 minutes, and instead ... crickets for more than 16 hours at this point. 

Apparently, Amex has decided it can engage in outright theft of the funds of former customers because it's angry about XXXX 's decision to change its credit-card branding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid the pending balance of {$55.00} online and asked the customer representative to remove me from the communication list. 

I kept getting calls and mail reminders even though my current balance is XXXX. They never removed me from the communication list and I recently received a letter from debt collectors.

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 2021-06-18
Company: Kriya Capital, LLC
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:
1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XX/XX/2006 XXXX $ XXXX  XX/XX/2006 XXXX  $ School closed down, paid in full, still being reported as open.

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 2018-04-19
Company: Bread Financial Holdings, Inc.
State: PA
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:
When applying for a credit limit increase on your site you there is a check box that indicates " By selecting this checkbox, I am allowing the bank to access my credit report, if necessary. Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' I NEVER selected this option as I am in the process of clearing my credit of all unnecessary inquiries. Based on your site I never authorized your company to access my credit report and thus you have violated my rights as an individual ... As proof I have also requested an increase on my credit lines on XX/XX/XXXX and did not give approval for access to my report and I woke up with alerts stating my credit report was again pulled without permission.. Please remove the inquires on my report from XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) and from the original complaint of XX/XX/XXXX and XX/XX/XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hello, On XX/XX/2023, I filed a dispute against XXXX XXXX for {$28.00} ( out of total charge of {$860.00} for the transaction ) with my Citibank XXXX XXXX XXXX XXXX due to the dispute unexpectedly, in middle of our trip, decided to cancel our hotel reservation ( {$860.00} ) on XX/XX/XXXX. 

I immediately called Citibank to inform them and asked them to increase the disputed amount to full {$860.00}. Since, then I have received a letter dated XX/XX/XXXX from Citibank stating dispute amount can not be increased once dispute has started. Further, Citibank is not allowing to create another dispute for the remaining amount for that transaction. 

I have called Citibank few times but they say it is as per the rules set by XXXX. I have pointed to your agent 's statement and Fair Credit Billing Act but Citibank is not budging. In meantime it has been more than 4 weeks and XXXX has not refunded the {$860.00} money, and XXXX agents refuse talk while dispute is on. 

I have lost my money and have not received any services from XXXX. Could CFPB please help with resolving this? 

Warm regards, XXXX XXXX Companies involved XXXX ) Citibank 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 2021-06-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2021 I received a notice from Shellpoint Servicing my mortgage company ( dated XX/XX/2021 ) in the mail. The notice said Shellpoint was going to add insurance to my mortgage as they had not received a copy of my insurance. ( Not true ) I sent them again a copy of my insurance. No call or email back from them. I went online and looked up my account and they deducted out of our tax escrow account funds for insurance even though I had already sent them everything they asked for. I have called in several times XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and each time the agent states that they received the proof of insurance and that it will take 48 business hours to cancel their insurance and put the funds back in my escrow account. I signed in again today XX/XX/2021 and the funds are still not in my escrow account. The agent again told me it will take 48 business hours and to check back Tuesday XX/XX/2021. Starting XX/XX/2021 they are going to charge me XXXX more on my mortgage payment each month to pay off their insurance. This is fraud.

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 2022-05-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Purchased a new XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. I instructed the sales rep that I would perder to use XXXX XXXX unless XXXX loan is better. I told them we still need to get a loan for the roof on our house. Instead numerous hard inquires were made everywhere but XXXX XXXX. I recieved multiple alerts on my phone. Was frustrated at that point and didn't want to run an additional to use XXXXXXXX XXXX Now the credit agencies are reporting double digit drops. A couple of the hard inquires dropped off. XXXX for XXXX and a XXXX XXXX didn't. When I talk to him about it he laughed it off and said that banks know not to count the inquiries. They continue to ignore that they disregarded my orginal request of a specific lender.

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 2021-06-18
Company: TD BANK US HOLDING COMPANY
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:
the following accounts appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft NORDSTROM/TD BANK XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: FL
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 was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need XXXX and Experian to delete from my credit reports

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 for XXXX I tried telling them this is not my account is shows as closed. Keeps posting on my collections. It is not my account from XXXX XXXX XXXX I've never even left XXXX XXXX so this is not my account and they are aware they refuse to remove it off my collections and it's affecting my credit.

Company response to consumer: Closed with non-monetary relief