BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is in regards to vehicle titled under Hyundai Motor Finance under VIN # XXXX. Hyundai Motor Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in Hyundai Motor Finance automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. Hyundai Motor Finance are now breaking the law and could be held criminally and civially liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to Hyundai Motor Finance address.

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 2023-11-14
Company: Rosen Harwood, P.A.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This entity attempts to collect an alleged debt. This entity has threaten to take me to court over an alleged debt. No documentary evidence has been provided to me proving this alleged debt. I am aware that this law firm is acting as a debt collector and therefore is subject to the fdcpa. This law firm is causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this 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 2023-11-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have been receiving notices from Chase that my homeowners insurance is expiring and that they will purchase insurance on my behalf and bill me for that. 

My homeowners insurance is not expiring and the policy is currently in place and my premium payments are up-to-date. 

I've contacted Chase and my insurance agent but Chase seems totally oblivious to this and seems intent on defrauding me by charging me for a policy that is not needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove or block these items that are erroneously reported in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-28
Company: Upstart Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, XX/XX/21 - Someone is trying to take out a loan in my name with Upstart , Inc., I received notice via email. I called Upstart to try and stop the application from proceeding and they told me they couldn't do anything about it because I did not have enough of the contact information that person impersonated me provided in the application. I had the email address and my full name but they told me it's in their policy that they can not do any at all to stop the application if I do not have the address the person used to open the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2022, I logged into the Truist banking app for the first time to make my first auto loan payment. The first payment had a due date of XX/XX/2022. When I looked up my loan on the app to make the payment, I noticed that the due amount by XX/XX/2022 was double the monthly payment. I then pulled up the statement to confirm that only one payment was due and the statement did confirm that one payment was due. Confused as to why the information provided stated that a sum of two payments was due by XX/XX/2022, I reached out to a bank representative via the chat function. They advised that only one payment was due by XX/XX/2022. I asserted that the figure that was displayed as due by XX/XX/2022 was the sum of two monthly payments and that was incorrect. I was advised that once I made the XXXX payment, the payment amount would updated to display the upcoming payment for XX/XX/2022. Again I asserted that the sum due by XX/XX/2022 was inaccurate and can be misleading. I asked to file a complaint and requested a follow-up to my complaint. I was advised that I would hear back within 3 days. I have yet to get contacted by Truist regarding my complaint which makes me wonder if the complaint was filed. As a 20+ year XXXX XXXX, I was smart enough to not make the XXXX payment with the XXXX payment. Some consumers may trust the information displayed is accurate and the additional payment may be applied with the XXXX payment as additional principal. My complaint is that the sum due displayed was inaccurate and deceptive.

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 2023-05-25
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: 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. 

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 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 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 2017-08-09
Company: Bepensa Capital, 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: Credit inquiries on your report that you don't recognize

Complaint:
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I got an email from XXXX on ( XX/XX/23 ) welcoming me. I initially thought it was just spam. Then I received a notification on my XXXX credit file about an inquiry from comenity XXXX Thankfully, I pay for a fraud service through XXXX. They assisted me in the cancelation of the application. However, I want to make a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.

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 2021-02-23
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I had a balance of {$50.00} in my XXXX account. I was in the process of switching bank accounts due to likely fraud and mistakenly tried to deposit it into the account I had just closed at Chase bank. My account number is XXXX. When contacting the bank to see how I could recover the funds they said that I should contact XXXX. When contacting XXXX they said that I should contact the bank. The {$50.00} is completely missing and I have not received a check in the mail for it being in a closed account from the bank and I do not know how to get it back. Somewhere, the {$50.00} is still out there, but I dont know how to recover it. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. Ive repeatedly asked for this to be removed through various methods. 

XXXX XXXX {$350.00} XX/XX/XXXX Account charged off. {$460.00} written off. {$460.00} past due as of XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Today I finished with the process of freezing my minor 's credit by sending three packets of requested information to XXXX, TransUnion and XXXX. XXXX and XXXX  provide forms and ask for copies of documents, which is not a problem. TransUnion does not provide a form, and requests an official copy of the childs birth certificate. I sent a copy of the birth certificate rather than an official copy, as I will not provide such a " breeder '' document to anyone outside of the governments. Please help change the way TransUnion makes it more difficult to protect our minors credit. 



TransUnion TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -One copy of your government issued identification card, such as a driver 's license, state ID card, etc. 
OR -One copy of your Social Security card OR -One offical copy of your birth certificate -One official copy of the child 's birth certificate -One copy of the child 's Social Security card -If you are the child 's legal guardian, a copy of the court document naming you as the guardian or other appropriate court appointed documents -A written request to place a protected consumer freeze on the named individuals file No form. Must include a written request to place a protected consumer freeze on the named individuals file

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 2020-10-22
Company: The Bureaus, Inc.
State: PA
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 was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute inaccurate information on my credit file with TransUnion. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. Each time I sent a dispute to TransUnion I have asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Furthermore, it has been well over 30 day since TransUnion has provide the results of the investigation. TransUnion 's total disregard for federal law has taken a toll on my life regarding my finical wellbeing and access to improve my credit worthiness.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character!

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 2023-06-26
Company: EQUIFAX, 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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: Credit Management Control, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/21, I called Credit Management Co. regarding a {$54.00} collection on my XXXX report. I had to search for their contact information, as the telephone number and address that they have listed on the report is incorrect. I spoke with an agent XXXX, and then a supervisor XXXX. 

XXXX advised me that on XX/XX/21, Credit Management had sent requests to XXXX  and XXXX  to remove the collection from my reports. However, only XXXX  removed it. I contacted XXXX  on multiple occasions over several months and it was not removed, so I decided to call Credit Management and request that they submit another request. 

XXXX stated that they could NOT submit another request, and that I would have to contact XXXX. When I told him that's what I had done for almost 5 months, he told me that he couldn't help me unless I filed a police report??? I'm not exactly sure who I would file against, and XXXX couldn't tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation