BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXXXXXX XXXX  account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX XXXX Dear Transunion, On XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXXXXXX XXXX XXXX XXXX Account Number XXXX, XXXX  XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( XXXX ) and Miller v. Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, 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 2021-08-15
Company: SOUTHSTATE CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Physically went to the local branch to make what I thought would be the last payment only to reread the statement which indicated that the loan had been extended to XX/XX/XXXX ( I was making XXXX payment ). I asked the teller why it was extended which she then stated she couldnt access that information and that she would have to contact the research department. She would then contact me. In XXXX, I went back to the local branch and the teller stated that she dropped the ball but would contact the research department that day and get back to me. When she did, she said that the person from the research department stated that it was due to past hurricanes. I didnt accept that and waited to get information from the personnel there what agency I could contact to get to the bottom of the why it was extended. The head teller (? ) gave me the branch managers business card and instructed me to contact him the following week. Due to vacation plans, I didnt touch base with him until I returned from overseas. 

The local branch manager looked at the records available to him and commented that he could see 2 payments applied directly to interest. He went on say that he would be contacting the manager of the branch that prepared the loan originally. I waited a while and called for the status. The branch manager said that he had an email from the manager of the originating branch in which she indicates that there were 3 authorized skip-a-payments during XXXX - XXXX by my husband which I doubt as he was not one to handle the household finances but I am willing to give her the benefit of the doubt. After a few more phone calls to get status updates, the local branch manager said that the manager of the originating bank would call. I asked him to give my cell phone number to the manager of the other bank and also to let her know that she could leave a voicemail message on the phone and Id be happy to contact her. To date I have not heard from her. 

Please be advised that I have made payments up to and including the XXXX one. There is still a small balance left, my credit score has been lowered because of late fees being applied as I continued to try to get answers, FYI-the local branch manager said he would cancel the one from XXXX but then retracted that saying he was not authorized to do so and that the manager of the originating bank would have to approve that action and he could only request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
It is Experians duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Experian is reporting an inaccurate late payment for the XXXX XXXX account XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Experian written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2021-08-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got my vehicle loan through credit acceptance in XXXX of 2019 before Covid hit. When everything shut down I immediately called Credit Acceptance and spoke with a representative who assured me that my car wouldn't be repossessed and I was directed to call them when I was financially stable enough to resume payments. I was never given anything in writing that my vehicle was being repossessed, and I never received any correspondence from them stating that my loan was in default. They sent a recovery company to pick up my vehicle in the dark of the night and no paperwork was left explaining what had occurred. I thought my vehicle had been stolen. They waited over a year to report anything on my credit report then all of the sudden I get a notice that my credit score dropped over 100 points and that my car was being sold unless I was able to pay the past die of {$10000.00}. The crooked sneaky way they went about it has absolutely ruined my credit due to absolutely no fault of my own. It's not fair and should be removed from my credit report. Credit acceptance is a very bad bad company to deal with and I wish I had never gotten duped into financing through them

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( XXXX ) Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments

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 2022-04-20
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
* problem : Kia Finance does not acknowledge my property tax exemption for a leased vehicle and is reporting me as delinquent to the credit reporting bureaus. 

FACTS : * In XX/XX/XXXX, with my permission, my wife used a power-of-attorney to lease a XXXX XXXX XXXX while I was on an XXXX XXXX XXXXXXXX. 
* Between XXXX and XXXX, XXXX repeatedly paid vehicle property taxes on my behalf and then informed me that I had to pay them back. 
* Under Virginia law, my military  status made me eligible for an exemption. 
* So each time, I asked XXXX to provide me a copy of the tax bill so that I could contest the taxes. 
* Each time, XXXX failed to provide me a copy of the tax bill, instead sending me a printout of their computer screen saying I owed taxes. 
* ( One year between XXXX and XXXX, my wife paid XXXX for property tax without my knowledge, just to get XXXX to stop bothering us. ) * But each year thereafter, I continued refusing to pay XXXX the taxes until I received a copy of the property tax bill. 

* I continued to make each normal monthly lease payment. 
* Eventually, XXXX began applying my monthly payments against the taxes, and notifying me I am delinquent on my monthly payment. 
* XXXX also began reporting the alleged delinquency to the credit bureaus. 

* In early XXXX, I gave up on XXXX. 
* I went to the XXXX XXXX, VA, government myself. 
* XXXX XXXX, VA, denied my requests for archived copies of the tax bills. 
* However, a nice person there walked me through an alternative way to prove my tax exemption status. 

* I provided copy of this tax exemption paperwork to XXXX and requested the following : 1 ) written acknowledgement of my tax exemption between XX/XX/XXXX and XX/XX/XXXX, XXXX ) reimbursement of past property taxes my wife and I paid to XXXX but should not have paid, 3 ) correction of my payment records to reflect no delinquencies on my monthly lease payments, and 4 ) immediate correction of XXXXXXXX XXXX reporting to the credit bureaus so that I can close this vehicle lease in XX/XX/XXXX without issues. 

CONCLUSION : * As of XX/XX/XXXX, XXXX has failed to respond to my requests. 
* This lease ends on XX/XX/XXXX. 
* If these issues are not corrected by XX/XX/XXXX, my financial credit standing will be in jeopardy. 

* ( I XXXX from the military on XX/XX/XXXX. So, between XX/XX/XXXX, and the end of the lease on XX/XX/XXXX, I know I am no longer tax exempt. )

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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. 

XXXXXXXX XXXX XXXXXXXX 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, XXXX, and Transunion to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on Transunion XXXX on XXXX XXXX and on XXXX Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be done.

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 2023-11-24
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2023-05-01
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I did not authorize or apply for an unemployment benefit card and received one in the mail today on XX/XX/, I believe somebody tried to steal my identity and use it to open the card.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I tried to open an account and they told me I had one open with them I told them that was fraud, and they need to close it until no vale they sent it to XXXX XXXX. the date was 2015 and the amount was {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I mobile deposited a check that I received to Capital One that was a refund from an apartment complex 's rent. ( XX/XX/XXXX ) The check was made out to myself and my Fiance which we both endorsed and mobile deposited this on the Capital One app. Capital One restricted my account and flagged this due to suspicious activity. I called about this issue continuously and was either sent to voicemail or hung up on. The few times I was able to get a hold of someone I was told wrong information. After going to the highest level of Managers that would take my call I was then told to seek out a hold harmless letter from the check issuers bank. I did so and the check issuers bank first did not know what type of form I was referring to which I assume because that is not common practice. The check issuers bank then stated they would sign the form assuming the check issuer agreed once they received the form. ( XX/XX/XXXX ) I called back a few days later and nothing had changed as there was a stalemate. ( XX/XX/XXXX ) I was told that an investigation was underway and I had to wait. I then waited a week and called back, no change. ( XX/XX/XXXX ) I did this multiple times and no change. As I continue to call they continue to give me different excuses as to why they will not send the check. ( XXXX ) I am posting this here because I do not know what to do next. This check was nearly {$1700.00} and for me that is a lot of money and I really need it to pay rent.

Company response to consumer: Closed with explanation