BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: LEXISNEXIS
State: VA
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Resurgent Capital Services L.P.
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:
Accounts and inquiries are reporting to my account that i'm not familiar with! XXXX really concerned about these on my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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.

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 2022-03-02
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : 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 2020-03-26
Company: EQUIFAX, INC.
State: IL
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 contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681ib in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient put me in to forebarence and did not credit me with my payments towards my public service loan forgiveness program. They never would process me for the income driven repayment plan at first, it took forever and finally I got in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2020-05-08
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I have called Hyundai numerous times to try to have my lease account closed and updated on my credit report and my husbands credit report. I have also contacted the credit reporting agencies. I traded my XXXX Hyundai XXXX in on XX/XX/XXXX. They sent me my final bill on XX/XX/XXXX I made the final payment in full and they cashed my check on XX/XX/XXXX. I have called Hyundai and my husband has called numerous times and they keep saying they will submit a request for it to be closed and send a paid letter to us as well as update both of our credit reports. Both our reports are not updated and they are reporting zero information at this point. I have been hung up on and my husband has escalated this to a manger XXXX on XX/XX/XXXX he claims this would be corrected. My husband called again today XX/XX/XXXX and spoke to another manager XXXX and she said the account is still open and put another request In and nothing else she can do to help us. I have enclosed a copy of the final bill they sent me and a copy of my checking account where they cashed my check for that amount.

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 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a credit card with Capital One with a XXXX expiration date. I contacted them on XX/XX/XXXX to ensure the card is still active. I was advised that they had cancelled the card effective XX/XX/XXXX. They claim to have sent me 2 notifications by mail, which I never received. They have a valid e-mail address for me and had sent me other notifications via that method yet opted to communicate only through mail. As the card was cancelled without my authorization, but theirs due to their perceived lack of usage, I lost rewards dollars of approximately {$61.00}. They claim there is no way to credit me that amount in any form as the account is closed. I find this hard to believe as they would have the ability to lace a credit on the account should I get a new card ( which is foolish as they should never have cancelled my card in the first place ). They also had the arrogance to tell me I need to contact them when I do not use their card so they can indicate this in my file. I did not realize that I work for them. With a deposit account, my balance would be escheated to the state and I would have an opportunity to claim it, but with their rewards program they get to keep that money which I earned through using their card. Further, the reason for obtaining their card in the first place was the rewards program. All communication except the final denial was verbal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we were forced to sell our home previously due to my husband being a XXXX veteran and not being able to work, when he was first diagnosed he couldnt work as much so we fell behind on our payments but only by XXXX, we requested a modification which took a year but we were granted the mod eventually. Our mortgage was sold to XXXX now known as XXXX XXXX. However on the day of closing we found out that there had been a partial Claim initiated without our consent so we lost XXXX at closing unexpectedly because we feel this way as done behind our back, we also have seen previous lawsuits against BOA involving modifications and HAMP programs in the news, please see attached paperwork, thanks!

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 2020-05-08
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 we purchased a home. Shortly after the time of purchase we provided a letter of tax exemption to the mortgage company as well as the county, school and township. My husband is a XXXX Veteran and receives 100 % tax deduction granted per the VA. We are were aware that until everyone was notified that we would have to pay the taxes on the property. After a few months we called Caliber Mortgage and reminded them of the tax exemption and that we were awaiting the return of tax money paid on the property. Since then we have called at least once a month. Each time the response is they have to do a 21 day escrow analysis in order to see if the money should be returned to us. Caliber Mortgage has also made an attempt to pay the county taxes even after being notified of the tax exemption. The county has since stated they are returning the funds to Caliber Mortgage. Yet Caliber mortgage still says we have to wait for yet another 21 day analysis to return any funds. We have been paying our mortgage on time monthly which includes taxes that we are exempt from without fail. We would like our refund and to no longer be billed for the taxes on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: V and H Portfolio
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Report Number : XXXX Date Generated : XX/XX/2021 Collection Company : VANCE & HUFFMAN LLC Amount Owed : {$320.00} I am not liable for this debt with XXXX XXXX. I do not have a contract with VANCE & HUFFMAN LLC. Neither XXXX nor VANCE & HUFFMAN LLC has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: V and H Portfolio
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, We've attempted to dispute this debt on multiple occasions without achieving a resolution. 

We acquired a car from XXXX XXXX in XX/XX/2018. Before signing our contract, the dealer informed us that if we chose to terminate the lease early, the vehicle return fee would amount to {$790.00}. They assured us that we could voluntarily return the vehicle to the dealer, preventing it from being reported on our credit, and this action would settle the entire account, bringing the balance to {$0.00}.

This information is outlined in the attached contract, along with supporting transaction evidence. Despite our efforts to share this with the collection agency, they insist on requiring a letter from the dealership. We've responded to them multiple times, emphasizing that they should possess validation of the debt from the original creditor on their end, given that they are the ones reporting it.

At this juncture, we find ourselves uncertain about the next steps and believe involving an external party to investigate this matter would be more suitable.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these credit inquiries at all. 

-XXXX  -XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft. 

I have never heard of the company, and I am not in any contractual agreement with the company. 

The companys actions have violated my consumer rights under federal law and have caused me personal injury. 

The company is civilly liable to me under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Afternoon, My name is XXXX XXXX and I have a medical debt ( {$2300.00} ) that my insurance company ( XXXX ) already paid. If you would like to talk to them about it, please call them at XXXX. This debt has been sent to debt collections, even though I communicated with the XXXX XXXX folks about 20 times over the last now 3 years and sent them the contact info for my insurance company. XXXX told me the hospital was trying to double bill me. I complained about this last year, as well to you all. I was in a car accident that cops determined was the other driver 's fault. I went to the hospital to get imaging done for my neck. The other driver 's insurance company promised to pay all medical debts. My XXXX was paying the debts up front and billing the other insurance company ( progressive ) for compensation. Unfortunately, I am still dealing with this and feel I am being harassed. I have tried calling the debt collection agency ( Healthcare Revenue Recovery Group - HRRG ) and they never pick up the phone. Please help me! A new billing letter was sent to me on XXXX XXXX, but I did not receive it until a couple days ago. I am stationed on XXXX XXXX in AZ right now and can be reached at XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2022-02-19
Company: South Carolina Student Loan Corp
State: SC
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with SC STUDNTLN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MI
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 did not initiate the following inquiries : 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 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 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 2021-05-09
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXXa hold was placed on my account. 
Its nowXX/XX/XXXXXXXX and stilk no resolve to my account even though its been past the 24 to 48 hr review they said its under. I provided all the necessary documents and still no access to my account at all. I recently was approved for the PPP loan which was deposited with no worries. They refuse to let me log in my account and access my funds. I need help ive done everything.

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