BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: CO
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:
On multiple occasions I have addressed the wrong reporting that the company has sent over to Experian. There is no payment history which is missing since 2015 and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my Experian account.

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 2022-09-14
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is outrageous!!!! It has been over 7 attempts now to get your company to provide the original contract, calculation of deficiency balance, and statement of account along with other documents requested in our letters. Your company has repeatedly failed over and over to provide these documents that we are entitled to. You are acting in bad faith by repeatedly avoiding sending us these documents. XXXX  XXXX has spoken to you by phone and told you to please provide the documents and you have failed to do so on a continual basis. To say we are trying to use the CFPB as a mail service for a legal claim is absurd. SO LET ME BE VERY CLEAR! THIS IS A COMPLAINT ABOUT YOUR COMPANY FAILING TO PROVIDE THE LEGALLY REQUIRED NOTICES YOU ARE REQUIRED TO SEND UNDER ARTICLE 9 OF THE UCC. Do you understand? IMMEDIATELY SEND A COPY OF THE ORIGINAL CONTRACT SIGNED BY XXXX XXXX with any arbitration provisions and the other documents requested. Again, in case you missed it SEND A COPY OF THE ORIGINAL CONTRACT INCLUDING ANY ARBITRATION PROVISIONS. PLEASE SEND IT NOW. THANK YOU

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: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inaccurate inquires on credit report for equifax : 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 account from unknown merchant XXXX XXXX  and I dont have an account with merchant ( XXXX XXXX ) that is listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I can not count the number of times now that I have been lied to by various agents on the phone nor does ANYONE at the company seem to be able to follow simple instructions. 

All past issues withheld, on XX/XX/XXXX, SLS received the completed, updated BPO ( it  showing online in my account documents under " loan and tax documents '' ). This BPO ( that was requested by SLS ) shows that my home value exceeds threshold for PMI removal. Despite ALREADY signing documents for PMI, I called in early XXXX to confirm the PMI would be removed. The agent stated yes, it would be removed. 

I called back a few days later to confirm, another agent stated she didn't see the request for PMI and the system to request PMI was down, but she would email her manager to make sure it was taken off. She stated to call back in a few days to confirm. 

I called back on XX/XX/XXXX to confirm the previous agents actions. She informed me that she didn't see any requests to have the PMI removed, but that she sees the documents, and my account would have the PMI removed. She too suggested calling back to confirm. 

On XX/XX/XXXX, I spoke with an agent who stated she sees the request, but they are needing us to fill out a form to request a BPO! This document was sent in to SLS in XXXX. The BPO was given to SLS on XX/XX/XXXX. She then proceeded to tell me the value is still at 85 %. 

How is it possible for NO ONE to see the other agents actions? 

I have attached to this complaint the BPO. It shows the home value at {$240000.00}. 80 % of that value is {$190000.00}. 

As of the time of this complaint my current mortgage balance is {$180000.00}. This is well below the threshold for PMI removal.

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 2021-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I reviewed my credit report. I noticed that TransUnion dropped my credit score by 31 points! I called TransUnion on XXXX XXXX to inquire about this. The representative I spoke with could not give me an explanation as to why TransUnion dropped my score so low. We went through all the information on the credit report together. 

1. I have exceptional payment history 2. Zero collection accounts 3. Only two inquires 4. Zero public records 5. My utilization has consistently decreased from month to month 6. My credit score has consistently increased from month to month 7. My correct address-I told the representative that I wanted an investigation done and an explanation mailed to me. I also disputed the several incorrect address on my credit report. The representative stated that she would remove all incorrect addresses and update my report to reflect my correct address. That has not been done. I have not received any information from TransUnion in regards to my issues. I have worked very hard to maintain great credit, and I have invested in credit monitoring services to make sure my credit is protected and despite my best efforts, it is the credit bureaus themselves that are attacking my credit! I am furious this has happened to me! I was in the process of purchasing the perfect home for my family and this has been a tremendous setback for me. I want an explicit explanation from TransUnion. Line upon line with their justification as to why they have done this. I have also notice that my TransUnion score has not increased at all since XX/XX/XXXX despite positive reports being made to them. 

I will attach copies of my credit reports from TransUnion that will show all of the information I listed in numbers 1-7. I need the help of the CFPB to hold the credit bureau TransUnion accountable for their actions.

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 2021-02-06
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I conacted santander in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and XXXX  along with XXXX with no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
To Whom It May Concern, This complaint is regarding my XXXX, XXXX and XXXX  credit reports. I recently pulled my credit report an noticed some accounts on my credit report that l am unaware of. According to the FCRA Law, they should be removed. The name of the account is KOHL'S/Capital One, XXXX XXXX. This account is an account that I'm totally unaware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is reporting a debt on my credit report, from a company named XXXX XXXX XXXX for {$400.00}. This debt does not belong to me. I have no knowledge of this debt. It is fraud. I reported to Transunion that my identity had been stolen from years XXXX through XXXX. I have no knowledge of this company. I have not had any dealings or contracts with this company. I have never had any services with this company. I have not ever used any debit or credit card transactions with this company or their affiliates. I would like for Transunion to remove this debt from my credit report.

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 2020-03-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint Chase refused to admit XXXX modify was not legal since then I have document prove XX/XX/XXXX i was denied modify so they had no right to move alone and extend me 30yrs start my loan over the approval on XX/XX/XXXX that I signed no witness was not suppose to continue once denied they refuse to admit denial letter is proof i was victim preditory pending want start loan over so XXXX XXXX Chase XXXX XXXX XXXX could continue profit since my principle on top i was no longer an asset never gave copy of executed modify one with my sign on it not even dated so when was it approved Chase claim they notify me by phone on XX/XX/XXXX tell me approved denial letter never mailed i searched until I got to bottom of it XXXX received letter XXXX_behind had 32day pay which cause the XXXX letter to forclose default now XXXX all from one month behind XXXX XXXX paid XXXX appraisal came forbearance agreed upon still penalized for making less then regular payments led to XX/XX/XXXX approval denial modification no trial period no witness no default all fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I ordered a baseball bat on XXXX 's website from a 3rd party vendor called " XXXX ''. On XX/XX/2018, I received a XXXX XXXX   XXXX XXXX from XXXX, something the company does not even sell and has absolutely nothing to do with baseball in any way, shape or form. That same day, XX/XX/2018, I contacted both the XXXX Customer Service Department and my XXXX credit card company, XXXX XXXX, to dispute the charge. XXXX provided a prepaid return shipping label to return the item that I did not order, do not want, and that has nothing to do with baseball. I was advised by XXXX, that they would be researching the merchant further and to use the return shipping label to return the item. I did so the very next day and I am waiting for the item to be received at the return address. XXXX XXXX advised me that they would issue a credit to my account immediately and that they too would start an investigation. On XX/XX/2018, I checked my XXXX XXXX, XXXX account to confirm I had received the promised credit. I had not. I immediately sent a follow up email to XXXX XXXX regarding the issue and again requested a credit to my account. Today, XX/XX/2018, I received a response from XXXX XXXX that did not address my email at all but instead provided contact information for XXXX 's Customer Service Department, but still no credit. Not to mention, no acknowledgment of my actual concern. I had already filed a dispute through XXXX and have also returned the item, with the prepaid shipping label that XXXX provided me. Based on several different issues with this 3rd party vendor, both XXXX and myself, believe that they may be a fraudulent merchant, all together. However, in the mean time the amount of {$310.00} is still on my account and may soon start to accrue interest. XXXX XXXX has refused to issue a credit or even acknowledge my concern, twice now. Instead, they have chosen to lie about issuing a credit to my account and to completely ignore the entire purpose of my follow up email.

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 2022-08-15
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, XXXX Account XXXX has violated my rights 15 USC 1681 Section 602 8 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 my account without my written instruction

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I'm writing to express my displeasure about certain unwarranted and unauthorized inquiries on my report. I'm writing to request the removal of the following data from my file. The report includes a list of the items I need to eliminate and deleted.

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 2023-09-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2023, XXXX XXXX and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXXXXXX XXXX had giving me a time frame to release the funds no later then XX/XX/XXXX of XXXXXXXX XXXX received the amount in full as agreed on XX/XX/2023, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to XXXX XXXX reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Thanks for the opportunity to file a complaint. 
Debt collectors have contacted me for at least 20 years about a XXXX XXXX 's various debts. I am disgusted. I am sending the letter below to this company. Honestly, I fear letting these people know my real name.

Why do you ask at the end of this complaint if I am the account holder or debt owner? I am neither. That is the problem.

Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   XXXX Dear debt collector, Re Transworld systems account number XXXX I am not XXXX XXXX. I have never been XXXX XXXX. It is not a derivative of my name. I have no children and do not have any relatives by that name.

No one by that name has ever lived at this address. Fact.

Even better, I have been a XXXX XXXX customer most of my adult life and definitely the past 26 years. XXXX XXXX knows who I am and knows that I do not owe them a dime and never have. If I owed that money at my address I would not have heat and lights and you know it.

Attaching someone elses first name to my last name and address is filthy.

You can threaten that unless I spend the time I have in life on someone elses debt that it then becomes a valid debt for you to pursue?

Why dont you pursue the right person?

But you never know right? One day, maybe soon, I will be so old and infirm that I just might pay someone elses debt and you will get a commission.

Maybe I will die and someone will pay XXXX   debt to settle the estate and you will get your commission.

Debt collector, try harder to find the right person.

Remove my contact information ( address ) from your file.

Do not contact me again.

If you have reported this debt to my credit file using my address, remove it.

I will be filing a complaint with the federal consumer protection bureau.

I am sick to death of collectors coming to me for someone elses debt.

I am not signing with my name because I believe you will then update your records with it.

Look up your own account number. You have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection/ charge-off account on my credit report with XXXX , XXXX  & XXXX . The Account is with NCC Business Services in the amount of {$850.00}. I am not challenging the validity of the debt. The debt has been paid, and I can provide a final payment statement showing {$0.00} balance owed. However, I never received any written communication about the debt, before it was placed in collection and added to my credit file with all 3 major bureaus. I asked NCC Business Services to  request the credit record be deleted from my credit file, due to the fact the debt is paid, and I was not provided with any communication about the debt until I saw it on my credit report. Their response was that they sent letters. I never received any communication from them, and therefore did not have the opportunity to fulfill my obligations before the debt was reported. I would like NCC to provide proof of contact, or I ask that the file be deleted from my credit report with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian several weeks ago via their number XXXX. There are 9 new hard inquiries on my account, none of which I gave consent for. I am trying to improve my credit before applying for a mortgage this summer so I know I haven't authorized a single credit inquiry. I put a fraud freeze on my three accounts but after contacting each of the hard inquiry companies ( XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; XX/XX/XXXX : XXXX ; XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX and contacting Experian again and putting a freeze on my account they haven't frozen my account OR removed the hard inquiries.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 following accounts has violated my rights : 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 XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  Account # XXXX, XXXX XXXX XXXX Account # 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 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