BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TX
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was Dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-21
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/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 2020-08-05
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased this car in 2017 and have paid all my payments on time and per my credit report it shows the amount of ONLY {$880.00} dollars paid!! This company is a fraud and they add additional fees at any given time! My information was falsified when I first did a loan with this company! I ask that this information be removed from my credit due to the recent action lawsuit! This company Henders me from getting a house or even refinancing because they have the rates on this loan extremely high! I do NOT want my information sold to another company as they have been doing with other information to get out of falsifying documents! I do not give them permission for that!!!! 


Under the settlement, Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. 

http : //santandermultistateagsettlement.com/Home/portalid/0

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is my second complaint regarding this issue with Equifax. The first time they responded by saying the issue would be resolved and it has not. Yet again, instead of REMOVING the fraud alert, they put one it as stated in an email I received. And once again, when I call, I get " Oh, we can't verify your identity based on the security questions '', but those questions are asked in a way that I honestly can't remember the answers! Which leads to me having to send in documents which I have done twice just to be run around in circles and end up filing a complaint. I am sick of dealing with the people at Equifax and wish they would just REMOVE the alert from my report ASAP!!! And I DO NOT want to hear them say anything about verifying my identity through documents because I've done that already! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX XXXX  account # XXXX was disputed and challenged in XXXX of 2019. On my Experian credit report.. 
As of to XX/XX/XXXX this account still remains on my credit report as updated and verified. This is inaccurately reporting. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX  is currently reporting monthly charge off history after Account was closed & charged off. A violation of FCRA. 

XXXX XXXX XXXX XXXX  currently reports Unverifiable account balance. 

Even after sending a certified validation letter to XXXX XXXX XXXX XXXX to provide me with copies of documents with the signature pages of the consumer contract the company says I've signed. The company has failed to respond. If the company has not responded to my validation letter. How can Experian validate this account as accurate?

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have submitted a check of amount {$4900.00} on XXXX and then it was credited into my account on the next day. I have spent that amount and now on XXXX XXXX the bank has reversed this amount saying it is a fraudulent check and balance has been deducted from my checking account. 

I tried to dispute the transaction with the bank and they are unable to do anything right at the moment and credit the money back to me.

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 2023-03-21
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-02-06
Company: EQUIFAX, INC.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS AND INQUIRIES. BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I received an impound surplus check in the amount of {$3700.00} from United Wholesale Mortgage company. This being my first year in this house, I thought that was a little excessive, but it came at the right time to pay the supplementary tax bill from this house. 

When I received my mortgage statement for the month of XX/XX/XXXX, there was a letter along with my statement stating, there is a shortage in my impound account in the amount of {$3700.00}. To make up for that shortfall, they are adding {$600.00} per month to my monthly payment. In this economy, {$600.00} per month added to a $ 5000 monthly payment is too much to ask of anyone. Someone made a huge error in sending a surplus check when there is no surplus. And if you are short {$3700.00}, why am I being charged {$7200.00} by the end of this year, to make up a {$3700.00} deficit? 

I called customer service to complain about this apparent solution to recover from a deficit. I was told to write a letter to a Resource Department expressing my concerns. I mailed the letter with in the first week of XXXX. I finally got a response by the end of XXXX. The response was my mortgage was sold to an investor, and they will not relinquish control of my impound account because of the original loan documents specify an impound account. 

I've talked to several people in the mortgage industry, and the consensus was, that requests like this happen all the time and most mortgage companies do not have a problem relinquishing impound accounts. 

I am requesting to take control of my own impound account, as well as the remaining balance, because I no longer trust the people in this position. An extra {$600.00} per month can cause me to lose this house. If this happens every year where I get a surplus from my impound account and then three months later, I'm told there is a deficit, and they want to add another rediculous amount to my monthly payment, I will for sure lose this house. 

Please help me gain control of my own impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my Equifax and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, and Account name : 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 states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-06-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
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: Investigation took more than 30 days

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-12
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act XXXX  these accounts listed above 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 statees a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-02-06
Company: HCFS Healthcare Financial Services of TeamHealth
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: Report provided to employer without your written authorization

Complaint:
Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided ARS with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Investigation took more than 30 days

Complaint:
Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX, has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect

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 2022-12-19
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contracted Volvo Car Financial Services XXXX times and requested quotes for ending my lease early. After I turned my car in, they requested payments after quoting me {$0.00}. 

I first contacted them in XXXX of 2022 after receiving mail about ending my lease early and having remaining payments waived. Subsequent contacts were made in XXXX and XXXX to obtain " quotes '' for early lease termination. Each time I contacted them, they told me " management '' would approve early termination of the lease and a decision takes XXXX business days. I was moving from XXXX state to another and my lease was set to terminate in XXXX of XXXX. I asked them how much would be due to turn-in the car versus taking it with me and shipping it across the country. Each time I inquired they forward the request to management and a turn in quote is issued and good for 14 days. 

I made the third ( and last ) request in XX/XX/2022 ( due to previous requests expiring and reinitiating a new request ). The rep told me the balance due would still be {$0.00}. 

I asked if I needed to sign anything and they told me I did not, that I only needed to turn the leased XXXX XXXX in to a Volvo dealer no later than XX/XX/XXXX of 2022 and then call XXXX back and advise the car has been turned-in, time, and mileage. 

On XX/XX/XXXX of 2022, I turned my XXXX car into my local dealer in XXXX Indiana around XXXX to a sales person representing XXXX XXXX ( who was on a call and couldn't meet me ). I then called Volvo Financial and let them know the mileage. I inquired with the dealer about turning the car in and if I needed to sign something and they said no. 

I have now received requests for payments for ; " Remaining payments : '' {$1400.00}, " Excess Wear And Use Charge '' {$130.00} and " Vehicle turn in fee '' {$350.00}. 

I called XXXX on XX/XX/XXXX and spoke to a representative, XXXX, and explained the above. She informed me she reviewed my account notes and I was quoted the {$0.00} turn in for the remaining payment and would need to forward for " account review '' and I would need to call back on XX/XX/XXXX if I would like a " status update. '' XXXX went on to explain to me the {$350.00} and {$130.00} charges are valid charges and asked me If I wanted to pay them for a combined total with tax of {$520.00}.

Company response to consumer: Closed with explanation