BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-18
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures. 


I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received a letter from Midland credit management inc, stating that I owe them an alleged debt. So I send them a letter asking to validate the alleged debt they claim I owe. In my letter, I asked them to provide me the following : 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor 5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this alleged debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for alleged debt if collection efforts are successful.

In my letter I also ask for the -Agreement with their client and grants Midland Credit Management Inc. the authority to collect this alleged debt. 
-Signed Agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
-Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
-All statements while this account was open. 
-Have any insurance claims been made by any creditor regarding this account? 
-Have any judgment been obtained by any creditor regarding this account? 

In my letter I also ask for the name and address of the bonding agent for Midland Credit Management Inc. in case any legal action becomes necessary. 

I also stated in my letter that if Credit Midland management inc fails to provide me with any of the above request, then all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

On XX/XX/2021. I received a respond from Midland credit management to my request of validation letter. They did not provide me with any of the above request I asked and all they responded was that their records are accurate. Since they can not validate this alleged debt, they were not able to prove that this alleged debt belongs to me and therefore, this alleged debt must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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: Account status incorrect

Complaint:
In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to 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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Hello, I am XXXX ears old, control my own finances, have an A+ rating with my banks, and enjoy decent fico scores with XXXX  and XXXX  that reflect my methodic attention to managing debts and credit. 

It came to my attention that Transunion has on my score ( much lower than XXXX  and XXXX  ) a list of pros and cons to justify their rating. I contacted Transunion, first on-line and than through written correspondence. Both efforts failed to have them address the specifics that will be provided here with attachments. 

First : My on-line effort resulted in ( I was not properly informed ) being enrolled in a monthly XXXX XXXX XXXX. I quickly had that reversed. The points of my on-line dispute I filed were not properly addressed by Transunion. Mainly they content I have late payments on a recent account, a bankruptcy, Not enough installment accounts on time, and not enough of a credit history. All four of these items are either false or outdated and should ( according to law ) be removed from consideration. 

I have searched your complaint log and discovered Transunion has a significant number of similar complaints. Over XXXX i also found several recent complaints through a search of reviews, the bulk complaining that Transunion uses an algorithm and not actual humans when responding to on-line disputes.

Second : I drafted a comprehensive letter ( See Attachment ) outlining my concerns and received back a response that stated my letter is " illegible '' and that they could not determine the nature of my request. The letter was sent Certified through USPS. I have the receipt.

It appears that either the Transunion response staff is highly negligent or incompetent or both. It further appears that Transunion, the gate keeper of people 's financial credit scoring, have a vindictive, lazy cultural when it comes to correcting or updating their records. 

If this is happening to me it is surely happening to many others. It is incomprehensible how blatantly this entity that wheels incredible power can be so callus in their dealings. 

Respectfully yours, Concerned Consumer

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 2023-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-10-26
Company: Exeter Finance Corp.
State: NV
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 have contacted Exeter Finance LLC, over the phone four times, over last several months and once via certified letter, asking for a complete copy of my original loan agreement. The loan was paid as agreed and paid off prior to them transferring the loan. 
Exeter has not responded?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  has placed and account on all 3 credit bureaus. Ive sent correspondence to this company 3x via certified mail and I havent received a response. This debt is invalid and was paid within 10 Days of me canceling this old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
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: Personal information incorrect

Complaint:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
About two weeks ago I received a card in the mail that I didn't apply for and an indication that I should activate the card. I took that to mean that if I didn't activate the card, the card would not be active and the account wouldn't exist. Today, I received in the mail a statement showing I owed {$75.00} for the card for an " annual fee '' for a card I didn't order and didn't activate. 

I contacted the company and they said this was likely a case of identity fraud. However, that makes no sense as the card was linked to my cell phone and sent to my home address. I asked for a copy of my application to be sent to me and they said that they couldn't do that. I asked for the card to be canceled, the account closed, and the amount owed to be XXXX  out. I was told it would be suspended until they concluded their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Reinserted Credit Information - Account NoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my credit report. The referenced account with  XXXX XXXX XXXX XXXX and account numbers xxxXXX XXXX & XXXX has become the subject of a dispute. 
On XX/XX/XXXX, I initiated a dispute regarding the aforementioned account. Subsequently, my credit report, dated XX/XX/XXXX, confirmed the successful removal of this item from my credit file, report number XXXX. To my dismay, I have recently discovered that this same item has been reinserted onto my credit report. I never received a physical copy of the details of the investigation or details of why it was reinserted. 
I wish to draw your attention to the requirements outlined in the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], which governs the reinsertion of previously deleted material. It stipulates the following : * Certification of accuracy : Information can not be reinserted unless the furnisher certifies its completeness and accuracy. 
* Notification to the consumer : In the event of reinsertion, the consumer reporting agency must inform the consumer in writing within 5 business days and provide additional details, including : * A statement confirming the disputed information 's reinsertion. 
* The business name, address, and telephone number of any furnisher of information involved. 
* Notice of the consumer 's right to add a statement to the consumer 's file to dispute accuracy or completeness. 
Regrettably, I have not received any such notification as required by the FCRA. This constitutes a serious violation of the act, and I must insist on my rights to pursue further action. To resolve this matter amicably, I kindly request that your company promptly removes this listing from my credit report. 
I trust that you will handle this matter with the utmost urgency and compliance with the FCRA. Failure to do so may necessitate further legal action. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
I am writing this complaint to Capital One Auto Fin. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I look on my account on line. on XX/XX/XXXX. i noticed that there is 7 deliquent notices and i have never recieved one of them. I should be recieving this information in the mail. now on my account, for i do not check my account on a daily basic, I did send them information to lower my payment in the month of XX/XX/XXXX.Copy of my paycheck, bank statement and my XXXX  for XX/XX/XXXX/XX/XX/XXXX. I did not recieve any information that they recievced it. NOT even on there web site. because of this i am behind on payments. my financial  situation has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
I want the company to remove the fraudulent inquiries in 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2022-10-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a new vehicle and my loan was financed by BMO Harris Bank. I have made two payments on the account on time and I recently asked for a payoff because I am thinking of refinancing with my credit union. When given the payoff I asked for a breakdown of my interest/principal that was taken out of my two payments. After this was given to me verbally I asked for a amortization schedule because I felt the interest taken out of the first payment was more than what I had calculated myself using my own amortization schedule. I was told I was I would be getting one in the mail. 

After a week, I called back today and wanted to check on my request. After five failed attempts to reach a live person to speak with, I was able to get a representative to forward my call to the complaint/escalation department. I finally spoke to XXXX ( employee # XXXX ). He attempted to explain the breakdown of how interest and principal is taken out of each payment depending on the daily per diem. I informed him I understood everything he was telling me but my dispute was the interest charged out of my first payment did not match what I was calculating on my amortization schedule. I asked to speak to the originations or underwriting supervisor or someone that can explain and break down how they came up with their amount that was taken out of my first payment. The escalation representative seem to get irritated that he was not going to be able to get me off the phone easily and put me on hold for several minutes, stating that he was attempting to escalate my compliant. After minutes of being on hold, XXXX came back on the line and informed me that BMO Harris Bank does not provide amortization schedules to their consumers. I asked why? He stated over and over that they just don't. I asked him " what if a customer, like me, has a dispute about where and how their payments are being applied? Is the customer just supposed to believe BMO Harris is doing the correct thing? XXXX kept informing me that he could not escalate my call and that again XXXX Harris does not provide amortization schedules. I informed XXXX my concerns are valid and that I feel that BMO Harris did not accurately calculate the interest taken from my first on time payment. I informed him that there aren't many other factors that could have affected my loan since this is my first payment and its on time. If you start with the Amount Financed, term, rate, contract date, first payment, then your calculated interest charged should be the same regardless of what amortization schedule program someone uses. Unless, BMO Harris has a different way of calculating this I'd like to know.

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 2023-08-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2023 I applied for an extension of credit from Wells Fargo. They discriminated against me and denied me credit. I filed a complaint with CFPB in which I demanded my civil penalty provided for violations. On XX/XX/2023 Wells Fargo replied that they complied with most of the banking laws and insisted that they were not going to pay my self-imposed civil remedy. 
Here is a link to FTC webpage that cite the was to discriminate : https : //consumer.ftc.gov/articles/credit-discrimination It's been my experience that most financial institutions will pick and choose which laws they wish to follow, especially Wells Fargo.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX : {$8500.00}

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 non-monetary relief