BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2021-10-14
Company: Data Mortgage Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I brought my home on XX/XX/XXXX and I was with a different a mortgage company when my difficult times begin. then my loan was transferred to another company. I lost a client due to Covid-19 and that was extra income on the side that helped me covered the mortgage payment. my husband and I separated therefore he is no longer in the household. Then my daughter is XXXX  and her son been trying to come since she was XXXX XXXX XXXX so they end up her on bed rest which result in her being place on XXXX XXXX with no pay. I started a new job as a XXXX XXXX XXXX but I ' m just getting started, I hoping that the company can do a forbearance for the two payments that I missed on XXXX and XXXX of XXXX so I can start fresh. XXXX I didn't plan or expect any of these to happen but things to do happen in life. I have XXXX and I had it since XXXX and in result I have two XXXX XXXX XXXX but I know one thing is that I don't want to lose my house. It took me six months to get in house then the week of closing my house catch on fire along with five other house, someone decided to smoking and throw the cigarettes but it was still lit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX HYUNDAI in  New Jersey and financed by Hyundai Financial. I am trying to transfer the vehicle out of New Jersey to PA and pay off the loan but it will void the warranty. I purchased the vehicle with my gf. For some reason I was left off the title. The warranty is only valid to the originally titled person. I have contacted the dealership and Hyundai financial and each keeps blaming each other for the mistake. I am primary on the loan.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a cash deposit on Sunday XX/XX/23 @ XXXX for {$6000.00} the atm took the majority of the cash but returned {$800.00} and kind of jammed the dispensary so I got a receipt saying there was an issue and it would be resolved in 2 days I also called the bank to report it they filed a claim which said it would take 10 days I went to the branch the very next morning and spoke to the main banker and said they would expedite the issue and should get a resolution within 24 hrs today is day 4 because of this I have returned payments with credit cards and car payment and when I call they are no help with the exception of the 2 representative at the bank that is not in their control but try to help. Now I have fees that my cc company will charge for return fees and also will probably have a late payment on my credit report because Wells Fargo is taking their time. I on the receipt it said they will fix it within 2 business days and now they are saying 10 days! All atm have tons of cameras they can pull footage to see cash that went in and the few bills that was returned. On the receipt it just says a deposit of {$.00}

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 2021-10-14
Company: EQUIFAX, INC.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Nelnet, Inc.
State: MI
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 a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To whom it may concern, Transunion continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Transunion have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and XXXX XXXX and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

sincerely, 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 2020-08-14
Company: Specialized Loan Servicing Holdings LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SLS Loan Servicing XX/XX/XXXX, along with XXXX in late fees. XX/XX/XXXX I paid {$790.00} regular payment, {$770.00} past late fees and {$270.00} additional principal. XX/XX/XXXX I paid {$790.00} regular payment and {$270.00}. On XX/XX/XXXX I called SLS to find out why my account was still showing a past due amount and I was told the additional payment was applied to the next months statement and not to the past due as I requested. I have tried numerous times to get this rectified without any success. In addition in XX/XX/XXXX I received an escrow shortage notice stating my new payment starting XX/XX/XXXX would be {$790.00} if I didn't pay the shortage. I didn't pay the shortage and started paying the new amount of {$790.00} but now the mortgage statement is showing an uncollected escrow amount of {$24.00} additional. Again, I have tried unsuccessfully to get this resolved with my mortgage company and I am frustrated as to what to do next.

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 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I changed bank account and forgot to change payment information. as soon as I figured it out I made a payment right away, and then made a payment days after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have disputed an alleged bankruptcy that Equifax continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Equifax continues to report the item on my Equifax consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: MI
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:
To whom it may concern, Equifax continues to house, share, and illegally report unverifiable invalidated negative information to my consumer report. This fraudulent incorrect information is causing me great irreparable financial harm. Equifax have a great responsibilty to the American consumer and banking system to uphold FDCPA, FCRA, XXXX XXXX, and TILA laws and regulations that are in place to protect the consumer from predatory and unlawful practices. You have failed me the consumer by continually falsifying and fraudulently validating incorrect unverifiable information. Please investigate these items and use this request for investigation as notice for legal action against your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
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:
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 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, 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 explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the following statement from my credit report. PERSONAL STATEMENTS XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed multiple accounts on my report I do not recognize

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Some Wells Fargo deposit accounts were hit with extra overdraft, withdrawal, and monthly fees. At other times, the bank unjustifiably froze customer accounts for weeks on the pretense of preventing fraudulent deposits.

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 2021-10-14
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have received 4 emails today, supposedly from Chime bank. I will attach copies of the emails. the first email congratulated me on opening the account and said that the account was opened somewhere in the same state I live in and to click if this was not me. I did not click. The second told me I had a bonus. The third said that I had a deposit of XXXX dollars. The fourth offered me a credit card. 
Initially, I just put the first email into a spam folder. I was a bit concerned as they had my name and email, but I chose to ignore it. When I received the other 3 emails, I became concerned and looked up Chime bank. I did not use the links in the email, rather I went to their website. They had an automated response-bot ( I assume ) that said that they could escalate my concern to a technician who could help me. I was then routed to a service that would charge me {$1.00}, saying it was refundable. I did not bite as I would have had to share information. I also noticed that, by signing up for this " assistance '' I would be signed up for a {$46.00} fee. 
I am not sure if yours is the site to follow up with this, but as I did involve the actual bank, this all seems quite fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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 saw checking my credit report and I saw that my credit score is very low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXXXXXX 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 2023-04-21
Company: EQUIFAX, 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 had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Adonis Auto Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I took a loan out on a car from Adonis Auto Group in XXXX, Texas XX/XX/XXXX and it has been a nightmare ever since. Within a week of me having the car, it had to be taken back to be serviced for the brakes and rotors. When I got it back, it was doing the same thing it was when I took it in. My car shook really bad when braking, it jumped really hard when pressing the gas to go from a stop. The vehicle was wrecked and they failed to tell me about it and when I told them about it, they said they don't pull any reports on the cars they sell. In XXXX, my payday changed to Thursday instead of Wednesday. I emailed them 4 times and called them to make sure they received it. They said they did and would update my account. They did not and proceeded to illegally report inaccurate credit items. On XX/XX/XXXX, the engine went out on the vehicle an hour away from home. I called Adonis and let them know. She said she would update my account and I would hear from the higher ups on Monday. I did not. I got a call on Wednesday, from Adonis, asking if I was surrendering the XXXX because I did not make the last payment. I let him know about the call on Friday and he said there was nothing in their system about me calling them Friday. I've spent XXXX of dollars trying to fix this piece of junk they sold me. I tried to get my money back last time I submitted a complaint against them and was instructed by the XXXX to let them fix it. Now I am out a vehicle, my credit has dropped because of them illegally reporting late payments and now I'm about to have a repo. They sold me an unreliable, previously wrecked vehicle to put my family in. I pulled a XXXX on it and when I brought it to their attention, they said they don't pull XXXX  on any of their vehicles. The vehicle was totaled out by the insurance in Florida in XXXX. The way they do their customers is not right. The way they are supposed to do their job, is not done correctly. This whole process has been horrible from the very beginning.

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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive had this personal credit card with JP Morgan Chase for 10+ years and have finally saved over XXXX ultimate rewards and was waiting until I got XXXX rewards before using them to book my honeymoon vacation. I just got a letter that for some reason Chase is deciding to close my account. I have never missed a payment and have never had any issues with my account. This is very very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.

Company response to consumer: Closed with explanation