BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2017-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state.

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted experian, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the mold inhalation illness I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.

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: TN
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 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

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 2023-06-13
Company: EQUIFAX, INC.
State: TN
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:
Update on complaint # XXXX. 
Equifax finished it's investigation XXXXdays after filing the complaint. They did not fix anything and again lowered my score XXXX more points for disputing XXXXXXXX XXXX XXXX My score went down a total XXXX points for disputing the illegal actions on XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX mortgage sold our loan to LoanCare ( XXXX ) on XX/XX/XXXX. 

We applied and were approved for HAF of {$16000.00}. Loancare received the funds but waited weeks before allocating the funds. Eventually, Loancare applied HAF funds of {$16000.00}. However, instead of our balance being decreased to reflect the payment, the new balance went from {$470000.00} what {$470000.00}. 

Additionally, under RESPA, LoanCare was not allowed to report the account to credit bureaus for 60 days during the transfer. Our loan was transferred on XX/XX/XXXX and LoanCare reported delinquency of 90 days on XX/XX/XXXX. LoanCare reports the account as having been opened on XX/XX/XXXX ; however, they were NOT our loan servicer until XX/XX/XXXX ; the credit bureaus reflects that LoanCare opened the loan on XX/XX/XXXX ; whereas, they have restarted the loan. 


LoanCare violated and reported the account to credit bureaus before 60 days. As a result, they reported the account delinquent for 90 days during XXXX, XXXX and XXXX and charged late fees whilst they held the HAF funds. 

Additionally, XXXX mortgage transferred our loan with an ending SURPLUS ESCROW and LoanCare never refunded. 

We never requested to refinance. We never requested to be transferred. We were in forebeafance during the transfer period and LoanCare is attempting to profit on government funds.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a transfer of XXXX dollars through XXXX to a friend in Texas, the transfer first appeared as pending, then it appears as frozen, I called my bank XXXX XXXX XXXX XXXX  ) which told me that the transfer was blocked because It had the word XXXX in the description and that I had to contact the XXXX department for them to release the money for me, on XX/XX/XXXX I started an application with the treasury department and on XX/XX/XXXX they answered me : that they have no information of that transfer to call the bank that blocked the funds Chase ) to verify that the funds were blocked, the person to whom you tried to send the money called your bank and they replied that they are the ones who have the money blocked and that Through my bank XXXX XXXX XXXX XXXX ) I must request the money back, my bank XXXX XXXX XXXX XXXX  ) made the claim but the other bank ( Chase ) says that the money is on hold and that they can not return it, my bank XXXX XXXX XXXX XXXXXXXX XXXX tells me that it can't do anything and the other bank ( Chase ) doesn't release the funds, nor does it return it, nor does it report it to the Treasury Department. It's been almost 1 year since I tried to send that money and it still appears as frozen and I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: PA
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 called and spoke with a representative at   XXXX   and Experian  credit  reporting I have sent in documentation showing that I have paid my balance in full with  XXXX   XXXX   XXXX .    XXXX  continues to report a balance of {$11.00} on my report from  XXXX    XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted. Reporting this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.

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 2021-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I was a victim of fraud on my Bank of America EDD prepaid card. I received a text message from what I believed was BOA and signed in with the link provided. The following day XXXX XX/XX/XXXX ), they were able to transfer about {$4200.00} dollars from my account into their checking account. I have opened an ACH claim with them and want to make sure i received the money back that was stolen from 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 monetary relief
Consumer complaint received 2022-08-10
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I got a notification that I gotten a hard inquiry for discover financial Ser. I have not applied for a credit card since XX/XX/2022 for XXXX XXXX 
I did put a freeze on my XXXX and XXXX, I have not done XXXX yet ( will be calling tomorrow XX/XX/2022 ) I will also be call social security office tomorrow for extra safety ( XX/XX/2022 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
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:
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.

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 non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate information on my credit report on several different occasions and the CRA Experian refused to accurately investigate while sending correspondences back stating everything was accurate (Fraud). No reinvestigation took place. It is now XXXX and this account is still reporting inaccurate information. Experian Tracking #'s XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
Not only does this account XXXX remain inaccurate, However, Experian continues to report a credit limit on a CLOSED account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt with Kia financing. This debt was paid through an insurance company.

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 2017-05-06
Company: EQUIFAX, INC.
State: PA
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 called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hyundai Motor Finance, I called XX/XX/XXXX and spoke with XXXX XXXX regarding a stop payment for a refund check XXXX XXXX XXXX XXXX XXXX ) and advised me that the check would be issued to my husband XXXX XXXX. After a week I called to ask for updated status on the cancellation 3 separate times ( was told it was pending management approval ). I then got on the phone again with XXXX XXXX XX/XX/XXXX ( 10 business days later ) who expressed that she was who took my request initially XX/XX/XXXX and that they have a new process that she was unaware of and would now submit the claim to her supervisor. I called again XX/XX/XXXX and spoke with XXXX who let me know the check was being sent out but to the same old address since the XXXX on car was my husbands name and XXXX never switched his address leaving the old one. XXXX request a supervisor call and changed my husbands address or so I thought. I called the following day because XXXX said she would call back that day or the next. I called the following day XX/XX/XXXX and spoke to XXXX who then changed my husbands address and would push an email to all supervisors to give me a call. I called today and spoke with XXXX who let me know that the check is still pending cancellation. The check amount is {$2200.00} but XXXX from the dealership at XXXX XXXX sent me a copy of the voided checks which came out to {$2300.00} missing {$140.00} which was confirmed there is not reason for this and would be sending this up to management. I have submitted over 6 request over the month to speak to a supervisor and have never once received a call. I was sold a XXXX XXXX XXXX lemon vehicle XXXX XXXX and took XXXX until XX/XX/XXXX to take the car in and deemed it lemon. My first complaint of the car stopping whiling driving was XX/XX/XXXX. I was told I needed to pay {$890.00} upfront for the mileage on car after subtracting the gas I put in the rental. The checks were printed on XX/XX/XXXX and its XXXX XXXX XXXX I have called about 15 times since XX/XX/XXXX. Customer Service rep told me this was ridiculous and to report it to CFPB for a response since they cant get 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 2021-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXX I found a rental ad in the XXXX XXXX XXXX  XXXX rental section and began emailing the " property manager '', XXXX XXXX. I filled out a rental application, signed a lease to start XX/XX/XXXX, and on XX/XX/2021, sent {$2900.00} via XXXX transfer to the " landlord '' XXXX XXXX for first month 's rent and security deposit. I had a meeting XX/XX/XXXX with XXXX to view the property since I was moving to XXXX XXXX XXXX  from XXXX and could not view it beforehand. She never showed up, and a day later emailed back saying she was out of town and we could reschedule. There were no further emails from her after this point, no lease started XX/XX/XXXX, and I had to scramble to find a new place to live. I am now scammed out of {$2900.00} and can't pay rent. This is an authorized push payment fraud and I called and did a claim with Bank of America, my bank. They took down basic details of the situation and said they would contact me so I could submit further documents for the claim. I had a XXXX XXXX XXXX crimes police report, a XXXX XXXXXXXX Attorney 's report, a XXXX complaint filed, AND a federal trade commission report at this time to back up my claim. However, just this past week an entire MONTH later I receive a letter in the mail saying " research complete '' and the claim is denied. They never even got my documents to support my claim, how can research be complete?? I reached out to Bank of America again to appeal but they said all they could do was have someone from claims or social support call me. I gave them my information a few days ago and as of XX/XX/2021 haven't heard back. It's been a month and a half, I was scammed, my bank was supposed to protect me, and now I can't pay rent. This claims process is a joke.

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XXXX XXXX XXXX someone fraudulently used my personal information to fraudulently open a Capital One credit card account. I contacted Capital One both by phone and in writing. I provided proof I was a victim of identity fraud. Capital One refused to accept my claim of a fraudulently opened account by identity fraud. Later Capital One paid me {$650.00} to settle a class action based on the release of my personal information by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NE
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Recently tried purchasing a new home and was advised of inaccurate items on my credit report. Ive also tried purchasing a car and was unsuccessful in my purchase and had to have my wife get the car loan in her name because of these accurate items.

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 2023-03-25
Company: Paypal Holdings, Inc
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I received {$6600.00}, these funds went into my Venmo account, shortly after that Venmo locked my account for an unknown reason. Ive been contacting them now for several years, I dont get a much of an explanation. The last time I spoke with them was XX/XX/XXXX and was told Your account is currently frozen. Unfortunately, there are no further changes that we can make to your account. Additionally, there is no further information or detail I can provide about why your account is frozen. 
The funds in your account will not be made available to you at this time. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. Please if you can, help me. Ive reached out so many times and this is the only thing they will say to me. Thank you so much.

Company response to consumer: Closed with explanation