BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: HYUNDAI CAPITAL AMERICA
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When the loan was initiated, it included GAP insurance which turned out to be unnecessary. It was cancelled, and the amount of the premium was applied to the loan before the first payment was even due. The payment should have been applied to principal on the loan, but instead the lender ( KIA Finance ) treated it as if I made extra payments. Since the amount did not quite equal 2 full payments, they continually sent me notices of late payment for the remaining portion, even though every month the full amount of the required payment was made timely. I tried calling to get it corrected, but they would not even speak to me " until I brought the account current '' when in fact I was not only current but had made a significant advance principal payment. I then sent them a letter including a full explanation and an amortization schedule, which they ignored and they continued to issue inaccurate monthly statements. I have since sold the vehicle, they were paid off on XX/XX/2022 and they also got a refund for my extended warranty that I cancelled on the sale. They have had over {$2000.00} of my money for nearly 2 months now and have not yet issued a refund. When I called today they indicated that it will still take several more days because they are understaffed. They were not even going to acknowledge that they had my money until I called them out on it. This is the most dishonest lender I have ever worked with. And they do not provide any opportunity as a consumer to have them correct their error because they will not speak to you. I would never take a loan with them even for a 0 % interest rate.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, and Transunion is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / original creditor is XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency , and they reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX is in direct violation of the HIPPA Law.

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 2022-06-15
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used car from Carvana, which was delivered to me on XX/XX/2022. Per their policy, I had 7 days to test the vehicle before accepting the sale, which I did. Because of the terms of Carvana 's 7-day test drive policy, my credit union ( or any third-party lender ) would not allow me to finance the vehicle directly because I did not have ownership of the vehicle. As a result, I had to accept Carvana 's 7.37 % interest rate on a {$13000.00} loan. This rate does not reflect the market rate for my credit score ( approximately XXXX ) or for the amount of cash I put down on the vehicle ( {$13000.00} ). My intention was to immediately refinance this loan to my credit union, which offered me a rate of 1.9 %. 
However, Carvana delayed the delivery of the title to me until XX/XX/2022, which forced me to make a first payment at the 7.37 % interest rate. In addition, the loan is owned by a company called XXXX, which is responsible for providing me with a 10 to 15 day payoff letter so I can begin the refinancing. However, this company does not provide a means to speak with a representative directly, and using their automated phone system requires the user to accept a charge of {$3.00} to just get the loan balance. It does not allow you to contact anyone directly or take any further action. All of this suggests, that Carvana 's business model is designed to lock users into a high-interest rate loan for a vehicle, without giving them a viable option to use a third-party lender, or to easily refinance that loan to a third-party lender. I am still trying to resolve this issue with Carvana, but my experience is that Carvana 's business model is designed to exploit a consumer 's inertia to proactively take actions to change the terms of the loan, or a consumer 's inability to navigate the complexity of this process to take action to refinance a loan to a better rate. Thanks you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 2022-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a dispute with XXXX and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: SUNRISE CREDIT SERVICES, INC
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Initially XXXX XXXX XXXX refused to let me shut off the phone account. I was at XXXX. I paid that and they kept coming up with additional fees. I had then said no more. XXXX turned into XXXX, then XXXX, and so on. 

The debt was turned into " sunrise credit services '' where the debt was bought for pennies on the dollar after the debt was paid by XXXX XXXX XXXX XXXX insurance. 

She assured me " this is a very real debt '' and I am going to pay it. 

Anyway, after about a couple minutes of harassment and angrily ended the call. 

My point is XXXX XXXX XXXX kept adding to my phone bill without permission. I did not want their services. Multiple refusals of wanting their service. They kept adding charges. After the debt was written off by the company and sent to the insurance agency where the charges they made up were paid it was then handed over to a harassing debt collector. The debt was bought or scrounged, I presume.

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 2021-12-28
Company: Earnest Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, My wife and I both have private student loans through Earnest and I am trying to figure out how to make principle only payments. Their website says they do not allow principal only payments in addition to regularly scheduled payments. 

Here is the web address with information : https : //help.earnest.com/hc/en-us/articles/115001345788-How-do-I-make-a-principal-only-payment-Student-Loan-Refinancing Here is the text on the web page : How do I make a principal-only payment? | Student Loan Refinancing Since all payments received on your loan will be applied to interest first, then to principal, we're unable to offer a principal-only payment option. However, by making an extra payment on the same day as your due date, the majority of that extra payment, if not all of the extra payment, will go towards your principal balance. You can find directions on how to schedule an extra payment here or review payment processing times here. 

If you're enrolled in Auto Pay, you can increase your monthly auto pay above the minimum payment amount to have more of your payment go towards principal each month. To increase your monthly Auto Pay, contact Client Happiness Team directly by clicking the " Get In Touch '' button found at the bottom of this article. 

************* I find it very odd that I am not able to pay down the principal only on my loan in addition to the regular payments. My wife and I have not missed any payments. Are their rules permissible under current law? I feel that we should be able to make additional payments to shorten the life of the loan and reduce our family debt as soon as possible. 

Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 non-monetary relief
Consumer complaint received 2023-04-28
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 XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Please do not delete this as a duplicate. I am working and live in XXXX. I have lived in XXXX and XXXX as a XXXX since 2008. I had many accounts opened without my knowledge or consent. I have asked XXXX XXXX and XXXX to remove the fraud account they have listed. They have never provided me proof that the account was mine. They can't, as I did not open it. PLEASE instruct them to remove this account which had NEVER belonged 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 non-monetary relief
Consumer complaint received 2020-02-02
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage Servicing attempted to foreclose on Homeowner in the midst of discussing a foreclosure alternative with Homeowner. 
When a loan servicer is engaged in discussing a foreclosure alternative but proceeds with foreclosure -- this is known as " dual tracking. '' Shellpoint recorded a Notice of Default and Election to Sell. After complaining that Shellpoint violated Nevada 's Homeowner Bill of Rights, the Beneficiary of the Deed of Trust recorded a Rescission of the Notice of Default. 
Homeowner is now beginning a new foreclosure alternative process and is sending a Request for Information in accordance with state and federal laws, attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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: Personal information incorrect

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. 
XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 account XXXX XXXX XXXX account # 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 a account without written instructions.

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 2023-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, XXXX XXXX XXXX, UT ( XXXX XXXX XXXX, UT, XXXX ) refuses to refund the XXXXXXXX XXXX I paid from XXXX XXXX to XXXX XXXX of {$2600.00}. FEMA sent XXXX certificates to Select Portfolio Servicing showing my property isn't in a flood plane and said, " You're due a full 1 year refund. '' I contacted Select Portfolio Servicing by phone several times in XXXX XXXX and XXXX XXXX, and was told I was due a refund by customer service representatives. The law states if a homeowner proves with a FEMA certificate that they aren't in a flood plane, then the lender who fraudulently charged the homeowner XXXX XXXX, is required to refund 1 year of XXXX XXXX paid. 
Today, XX/XX/XXXX I still haven't received my refund and the last contact with Select Portfolio Servicing, XX/XX/XXXX, they stated, " you aren't due a refund for the Flood Insurance you paid. '' Select Portfolio Servicing Inc. is stealing from homeowners and they keep getting away with it! Why are homeowners unprotected from lender fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon application for a home loan, my bank informed me that TransUnion listed me as XXXX and could not approve my home loan. The XXXX and XXXX credit reports are correct, but I am listed on the TransUnion credit report as XXXX. TransUnion has merged my XXXX  father 's information ( XXXX date : XX/XX/1982 ) with my personal information on my TransUnion credit report and it needs to be deleted so that it reflects that I am alive.

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 2023-02-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Identification Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off I Contacted The Creditors & No Help Contacted Bureaus & Now Im Taking These Steps Of Filing and Sending Letters Hopefully I Get Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-02-12
Company: EQUIFAX, INC.
State: DE
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation