BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: PA
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 I have below have also been attached in my letters and XXXX  Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires 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 Accounts Dept of Ed XXXX XXXX XXXX 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  Bankruptcy # XXXX XXXX XXXX Account # with held for 3 accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account that had electronic withdrawals taken out under the guise of " XXXX XXXX ''. I have never used XXXX XXXX. Some how someone was able to get my account number and then withdraw money without my authorization.

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 monetary relief
Consumer complaint received 2021-11-11
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 information incorrect

Complaint:
I turned in my XXXX XXXX lease in XXXX of XXXX. I made all my payments on time and never received any additional bills. I was recently notified by my credit monitoring agency that Hyundai was reporting negative information, claiming I owed them money and that I was late on a payment. I called and I was told I didn't owe anything and to just send a letter to their credit department to have it fixed. The credit department sent me a letter saying the information was accurate and they wouldn't fix it. I called again and this time I was told I did owe money. They never told me what I I owed for, but I paid it over the phone anyway. They told me the bill was sent to an old address in XXXX or XXXX. I had moved over a year prior, so the bill was never sent to me and my mail forwarding had ended. Hyundai had my new address. My current lease is through the same finance company and Hyundai has been sending me advertisements for their new vehicles. However, the bill was sent to the old address. They are continuing to report that I was late on my payment, even though I still have not received a bill. I filed a dispute again with their credit dispute department and they are just saying that the information is accurate as reported and that I was late on my bill. A bill that they acknowledge they sent to the wrong address over a year after I moved and over a year after I turned in the vehicle. They never gave me the opportunity to pay on time. I never received the bill. If they hadn't take over a year to send the bill, the post office would have forwarded it to my new address and I would have paid on time. If they sent the bill to the correct address, I would have paid on time. Can you assist me in dealing with Hyundai Motor Finance in order to fix the damaging information they have sent to the credit bureau?

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 2021-11-23
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Chime and last Friday, XX/XX/2021, there were a series of XXXX ATM withdrawal transactions around XXXX XXXX  for a total of {$600.00} withdrawn that were not initiated by me. My debit card was in my wallet on my person at the time so my card must have been skimmed. As soon as I realized what was happening, I locked my account to prevent any further transactions from occurring, of which there were at least XXXX or XXXX more attempts. The XXXX withdrawals, XXXX for {$100.00} and XXXX for {$200.00}, were pending over the course of the weekend and did not clear until Monday, XX/XX/2021. When I initially contacted Chime on the XXXX, I was told I could only lock my account at the time and request a new card but that I would need to wait for the transactions to clear in order to dispute them. I did on the XXXX as soon as I could formally with four forms submitted for each withdrawal to the Chime support team. Early on Tuesday, XX/XX/2021, the Chime team responded that nothing seemed out of the ordinary about my fraudulent charges and that they would not be reimbursing me in any manner. I then requested from them all documents associated with their short investigation into the manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States. I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX  AL XXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX AUTO Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXXXXXX 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 2022-10-17
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: Investigation took more than 30 days

Complaint:
I sent a a complaint that they are reporting inaccurate and incomplete credit information and breaking the law. On XXXX and on XXXX I sent them a letter to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed in letter and they never did it is now XXXX and the accounts are still on my report they have not sent proof and are breaking multiple laws. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX, I began receiving emails from XXXX, welcoming me to the service. I never signed up for their service, and someone else used my email address to do that. 

I have been emailing constantly and they assure me they are working on it but nothing has been done. 

I find this lack of response extremely unprofessional and dangerous when data security should be of utmost importance to a financial institution. 

I am not taking more time to build a profile with this company, that I did not choose to give my business to in the first place. They want you to give them more information like phone number to them, while I already do not trust this institution.

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 2021-05-17
Company: Experian Information Solutions Inc.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, Experian reported my FICO score as XXXX. On XX/XX/XXXX, my score was lowered to XXXX. I did not open any new accounts, did not run up any credit card balances, had no late payments and no change in my debt to income ratio. Additionally, none of the other credit reporting agencies have lowered my score. 

When I called Experian, I was told that there were no negative factors in my credit report that would have caused my score to drop. When I asked if there was someone that I could talk to who could explain why my score was lower, I was told that there was no apparent reason and that I should hire a licensed credit counselor! 

If Experian can just randomly lower my score for no apparent reason, I wonder how many other people are being damaged in the same way. 

Please investigate this situation. 

Sincerely, XXXX XXXX XXXX, Connecticut E mail XXXX Cell- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Personal Line approved for $ XXXX. After taking withdrawals and making timely monthly payments, account opened 2022, suddenly UPGRADE cancelled my credit limit and began to assess higher payment fees and interest citing a report from XXXX. 

After contacting XXXX ( see attached ) a victim of Identity Theft, the offending remark was removed from my credit reports. UPGRADE refused to adjust my credit line or restore my account to the original rate of interest.

Further, Upgrade Will not share any documentation with me providing any reason for these changes or accept my report of identity theft. Citing they do not have personal information to share with account holders. 

These are usuary high charges that are excessive and not justified under the circumstances. Request assistance to restore my account to its original rate of interest and credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am asking that Mohela begin start a good faith processing of my student loan forgiveness request. I originally submitted my application on XXXX, with a hand signature, as required. I have had constant difficulties with both Mohela and the prior loan servicer getting any work or progress on my application. When I call to check progress, I have always been told, including by Mohela, that I have provided all I need to provide and nothing else is required, but there has been no progress on processing my application since it was transferred to Mohela on XXXX. The transfer was completed by XXXX... but I grew concerned that Mohela never noted online my originally submitted documents. I called Mohela and was assured that they had all they needed but, To err on the safe side, I re-uploaded my application and employment verification to make absolutely certain Mohela had what was needed. I additionally sent a customer service message to them on XXXX to explain what I submitted and how to reach me easily if any additional information was needed. I received no response until XXXX and that message contained no useful information, advising me only to call customer service. Each call to customer service results in a 1-2 hour hold with, at the end of the hold, no information being given in response to even the most basic questions. I today received a letter from Mohela stating that some form I submitted, as well as a form submitted by my employer, was improperly signed. The form is not attached and there is nothing to identify which forms are at issue, or how they are defective. My employer has submitted MULTIPLE forms to the PLSF program and called once, after being on hold to hours, to verify my employment. Mohela 's letter directs me to submitted a correction on an enclosed form, but no form was enclosed. I no longer wish to call Mohela, be placed on hold for multiple, only to be connected to someone who can not provide any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Experian Information Solutions 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:
Re : Final Goodwill notice to remove inaccuracy on 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 2023-01-21
Company: RFNA, LP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a personal loan from Republic Finance in XXXX of 2021 for {$2400.00} and they have to be gouging me with interest. I have made 12 payments of {$110.00} every month, and I still owe {$2000.00}. I should be about halfway done paying off my loan, but I still owe close to the full amount. It is not ok to gouge people who are already struggling financially. On the website, there is no way to view the interest they have charged or see how many more payments I have until the loan is paid off. It will only allow me to see the payments that I have already paid. They are hiding important details about the loan and it is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 applied to open up a checking and savings account with XXXX XXXX XXXX XXXX, but XXXX XXXX XXXX XXXX was unable to open an account for me due to running a report with Chex Systems which my Chex Systems report indicated an unpaid closure of a checking account with XXXX XXXX XXXX  for {$900.00} and NSF activity. Chex Systems previously deleted the account from XXXX XXXXXXXX XXXX from my consumer report ID : XXXX, but the fraudulent checking account from XXXX XXXX XXXX for NSF activity of {$900.00} has reappeared on my Chex Systems Consumer Report because I am not able to open up a checking account with XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have a current police report on file with Chex Systems for being a victim of identity theft and for fraudulent checking accounts and credit inquiries appearing on my Chex Systems Consumer Report ID : XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to UWM loan servicing. There was a problem with the first payment being processed between the servicer and my bank. The servicer never contacted me by email or phone. When I went to make the following payment I realized the payment wasn't processed correctly. I then made XXXX payments at once to get the account satisfactory. Under the law I'm granted a 60 day grace period from being reported late or incurring any late fees. UWM continually reports me 30 days past due to the credit bureaus. They refuse to update my account to current with no late pays. I have made several attempts to work with UWM servicing to get this rectified. Please work with them to get my payment history reported correctly.

Company response to consumer: Closed with explanation