BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
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: 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 : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX {$1300.00}, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Continental Finance Company, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. 

Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS 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 2022-12-15
Company: EQUIFAX, INC.
State: RI
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 an XXXX dollar balance with XXXX they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-09
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.

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 2022-03-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted conserve for several days and was able to get ahold of someone. I contacted them into an account they are reporting on my credit report in the amount of {$760.00}. I was trying to get some information on this debt and associate named XXXX XXXX at ext XXXX stated the account is closed with their office and in order to get account removed to reach out to the credit agency. I informed XXXX XXXX that the XXXX XXXX is reporting inaccurate information that your office has supplied. XXXX XXXX did not have any other resolution or validation of debt but kept stating account is closed with their office and to contact someone else. I would like to get this information removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan. 

I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money. 

any sort of help or guidance on how to deal with these people is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written to XXXX to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming 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 2023-12-15
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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
I am trying to obtain car and home insurance from XXXX XXXX XXXX. However, when my risk report was run by LexisNexis there was old information listed which prevented me from obtaining car and home insurance. I was denied because of excessive overall " claims ''. Many of the older claims were just having my car towed to the repair shop and not a comprehensive claim were the total was over {$1000.00}. My report is showing claim items like a " tow '' as a comprehensive claim. Additionally, claims on my property insurance are also showing up under my auto insurance claim history by LexisNexis which is what all Insurance Agents use to underwrite and write a new insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-07-17
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage off in XXXX. Since then, we have been trying to get the release of lien from Mr. Cooper, but they have given us a runaround. I spoke with their customer service and escalation departments six times and was lied to each time. As of today, the county registry of deeds still hasn't received the necessary paperwork. This has dragged on for more than four months, and we can't get any satisfaction from Mr. Cooper. We need assistance to get the papers that they are legally required to provide in timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2022-03-09
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX CT XXXX IN RESPONSE TO CFPB COMPLAINT : XXXX AMERICAN ADJUSTMENT BURE Last reported XX/XX/XXXX {$380.00} AMERICAN ADJUSTMENT Last reported XX/XX/XXXX {$150.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I dropped classes from my school XXXX XXXX and they sent over information regarding my refund to Climb, the lender handling my loan. I have tried multiple times to contact Climb because my loan balance has not been updated and it's coming up on two months now ( ll the while I'm being charged interest on the full balance before the refund ) since the initial refund request was requested. I tried calling but when you call the number on the Climb 's website the IVR tells you to email and then disconnects the call. I emailed them several times and I keep getting a canned response saying the refund is " in process ''. I am not sure why it would take over two months to process a refund. I just want my account to reflect the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to my bank XXXX Chase Bank XXXX on XX/XX/2021 to send a wire transfer of {$4500.00} to my XXXX XXXX account. The teller at the branch entered the wrong account number for the recipient of the wire transfer. They entered my XXXX XXXX account number as the recipient instead of the XXXX XXXX intermediary bank account number that XXXX XXXX uses for incoming wire transfers. I set the instructions per XXXX XXXX in front of the teller assuming she would know how to enter the information accordingly. She made a huge mistake putting information in the wrong area and now my money is in some random account at XXXX XXXX. I have attempted to have my bank ( Chase Bank ) initiate a wire recall, which theyve done 3 times. XXXX XXXX deposited the money into the random account without checking if the account holders name matched that on the wire being sent. The names dont match so the money should never have been deposited. Both companies made a mistake and neither one wants to do anything about it. XXXX XXXX has denied the 3 recalls and puts the blame on Chase Bank. It has been a back and forth blame game for 2 months and I have not gotten anywhere with this issue. Its a mistake made by the banks but the customer ( me ) is the one having to suffer the loss and deal with getting the money back. 

I have Reference/Claims numbers from each bank from me attempting to get a resolution. I reached several different departments but no one was able to help me. I can include those numbers if necessary, I just dont know if that is too personal of information for this initial description.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: HYUNDAI CAPITAL AMERICA
State: CO
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:
I am writing to complain to HYUNDAI CAPITAL AMERICA about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-03-23
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
They didnt take my deposit when they where supossed to wotch caused me to have a deficit witch now they wont let me sell my possitions without XXXX  them a significant penalty to were any withdrawal or if I sell accests they get my money the company is robinhood

Company response to consumer: Closed with explanation