BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: MOHELA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Repair Service In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 numbers XXXX, XXXX, XXXX, and XXXX and 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 2023-02-22
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: Was not notified of investigation status or results

Complaint:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-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 explanation
Consumer complaint received 2022-08-29
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
Our mortgage and servicing was sold to Mr. Cooper in XXXX and I was told to make payment ( that would remain the same $ XXXX ) at their website it XXXX. 
1. Their website was not functional in time to make my payment after several phone calls so I paid it directly over the phone, 2. ALL of their communication to us has been incorrect. Due to that, we notified them that we would be paying taxes and insurance directly and out of escrow and began doing that in XXXX. 
3. We sent proof of those payment via uploading to their website and mail 4. They said they would not accept out of escrow due to late payments ( I have paid every time ON TIME ) 5. Therefore they are now demanding we RE PAY to THEM the taxes and insurance again or they will report us late to credit bureau. I have proof we have made every payment of our mortgage, taxes and insurance on time but they...

6. Reported us late and dropped our credit score from XXXX to XXXX. THAT will impact everything we have worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service representative.

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had some inquiries fall off but were reinserted and I never recieved a 5 day violation which is a FCRA violation. I have contacted Transunion and they have given me no resolution. The inquiries are as follows. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/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 2023-11-21
Company: HYUNDAI CAPITAL AMERICA
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:
My 2017 XXXX XXXX XXXX was paid off in XXXX of this year. I have called multiple times regarding my title but all I keep getting from the customer service rep is that they are unable to reach the auction company. I expressed that they were negligent in not securing the title once payment was received and my acct was back in good standing. I spoke with a teamlead/ supervisor who stated she was working on a resolve but I haven't gotten an update or any documentation. I have composed a letter and will be sending it to the CEO of Hyundai Motor Finance.

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Had trouble at a earlier time after loosing job. Was allowed to make loan current through a reassessing process. My escrow wasn't made current through this process and I only recently found out that it wasn't part of the $ XXXX monthly. Someone in escrow department decided it was a smart idea to make my combined payment over $ 1000 monthly when it was determined I was marginal at the time of the reassessment for being qualified for this help. Now Umpqua Bank is taking my $ XXXX  monthly payment, not allowing my mortgage to be paid and and holding monthly payment in limbo. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX XXXX umpqua bank XXXX # XXXX umpqua bank XXXX Box XXXX XXXX, WA 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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm A Victim of Identity Theft someone has gotten hold to my Identity and use my Personal Information to open Accounts that I did not Authorize

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 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit 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:
I placed an order with XXXX that was never delivered. I tried to dispute this online but that option was not available. I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. The credit card company is purposely making this impossible in the hopes that consumers will give up. 

The company has not responded to me. They refuse to speak to me by phone, other than to say a letter is coming. I have yet to receive any letter. I received an email from XXXX promising a response by email. That response has yet to come. In the meantime, they have brazenly flouted the requirements of the Fair Credit Billing Act. They continue to take action to collect the amount in dispute, imposing interest and requiring payment on the disputed amount. Since Barclay 's refuses to abide by its obligations, I ended up paying the amount in dispute to avoid further collections and interest. 

The company provided a response to Complaint XXXX by attaching a file ( XXXX, XXXX ), but that file is corrupt and can not be opened. That complaint was closed despite my concerns not being addressed and despite the Company 's noncompliance with the law.

In addition, my complaint is threefold and the Company 's response fails to address any of the issues raised. First, they have failed to assist, at all, in my billing dispute. On information and belief, they have failed to contact the merchant or investigate the claim at all. Second, they have implemented a customer complaint system specifically designed to discourage and thwart consumers in the exercise of their rights. Finally, they have brazenly flouted their duties under the Fair Credit Billing Act by failing to respond to my dispute despite promises to do so, and by continuing to attempt to collect the amount in dispute and charging interest on it.

Company response to consumer: In progress
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: CA
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 XXXX said I was never. I have never been late

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 did not consent to authorize the sharing of my non-public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they aren't even in compliance with Metro 2 credit reporting. 
I have evidence to prove my case!

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 2020-09-28
Company: TD BANK US HOLDING COMPANY
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:
On our about XX/XX/2020 I paid off the balance of my auto loan with TD Auto Finance ( about {$13000.00}, payoff letter is included in attachments ). On XX/XX/2020 I received the payoff letter ( attached ). On XX/XX/2020 my automatic car loan payment set up through my checking account bank ( XXXX ) posted to my account ( I forgot to turn off the automatic payments!!! This payment is shown in the attached bank statement ). On or about XX/XX/2020 I called TD Auto Finance and was assured that TD Auto Finance would issue me a refund check. On or about XX/XX/2020 I called to check on the status of the refund check and was told that the payment never cleared XXXX it did XXXX. I called back the same day and gave TD Bank the transaction number from XXXX XXXX. I was then told that that information would be sent to their refund department for processing. I called back on or about XX/XX/2020 and was told that the refund check had been mailed on XXXX XXXX, 2020. I called back for status on XX/XX/2020 and was told their refund department was backed up and the check would be mailed on XXXX XXXX, 2020. Still having not received the refund check, I called TD Auto Finance on XX/XX/2020 and was told that the automatic payment never cleared ( it did and has never been refunded ). I acknowledge that it is my fault that I forgot to turn off my automatic payments, but why has it taken almost two months to get me my money back?? I have contacted a consumer protection lawyer and am preparing to file a lawsuit. This is my last ditch effort to get my {$500.00} back before the filing of the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-12-19
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to the XXXX XXXX XXXX XXXX in XXXX XXXX, California on Saturday XX/XX/XXXX to pick up a money transfer from Western Union sent by XXXX  XXXX XXXX EDD. The money transfer request was for {$4400.00} and was scheduled to be picked up by myself, XXXX XXXX. I had to send in my social security card and verify my identity in person at XXXX  XXXX XXXX before they could complete the transfer. On my California drivers license I have the suffix XXXX and XXXX  XXXX XXXX did not put XXXX  on the transfer. I was told it would be fine because they verified me in the western union system and I verified myself in person. The customer service representative at the XXXX XXXX XXXX XXXX, XXXX XXXX, completed my transfer request and right before she was about to give me my {$4400.00} she said hold on, I need to ask my co worker something. XXXX came back and said Im not gon na be able to give you the money because your ID says XXXX on it. She got on the phone with western union to cancel the transaction because she already completed it in the system without actually giving me the money. After going back and forth with XXXX and her coworker XXXX, they asked if I had any form of ID that did not have XXXX on it. I told them I did not only a credit a card. The major problem with this whole scenario is that XXXX completed the transaction in the system so it made it seem like I picked up the money when I never did. I immediately called XXXX  XXXX XXXX and they advised me to call law enforcement and make a fraud case. I have been in contact with Western Union since XX/XX/XXXX, and they have documentation that I never received the funds. I also have official documentation showing I never received the funds. Western Union told me they would do an investigation and I will have a new Money Control Transfer a number ( XXXX ) to pick up the funds. I was told it would take 24-48 hours, then that turned into 20 days. I was told it should be finalized XX/XX/XXXX. Well that day came and went and I still have not heard anything whatsoever. Western union has talked to the store already, they know I never received the funds, but they are just dragging their feet on giving me my money. I then got told itll be finalized in XX/XX/XXXX and then I never received a notification again and when I called I was told itll be another 24-48 hours. I keep getting the run around and I just want my money. I did this emergency cash transfer to pay for bills and I have been unable too since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account name XXXX XXXXXXXX XXXX, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.

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