BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: HYUNDAI CAPITAL AMERICA
State: OK
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:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from my local dealership and financed it through Hyundai Motor Finance. I paid off the car in XX/XX/XXXX. I have still not received my title or lien release, both of which I need to finish titling the car in my state. I have contacted Hyundai Motor Finance ( HMF ), Hyundai, and the dealership multiple times. All parties have directed me to HMF for resolution. The HMF website claims that they have already sent the title documents to me. When I call the customer service number, I get an automated message saying that they have already sent the title documents to me ; and I can not get it to connect me to a person for assistance. 

I just want my lien release and title so I can finish titling my car. If there was a mistake or issue with the process, I want to be able to contact HMF in order to get the issue resolved. It's not that hard. Please make them send me my lien release and title and/or get in touch with me to let me know what they still need 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 explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I TRY TO DISPUTE INFORMATION WITH TRANSUNION, XXXX, XXXX THAT'S NOT TRUE I HAVE DONE EVERYTHING AND STILL NO ONE IS HELPING 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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I have been trying to get my information corrected on my credit report and they have been illegally reporting the wrong information still on my report. They have been aware of this since XX/XX/XXXX, XXXXwhen I sent them a certified letter with tracking number XXXX using USPS to correct my name, date of birth, address, telephone number, social, and employers. To this day which is XX/XX/2021 they still have the incorrect personal information on my report. Not only are they reporting unlawful wrong information on my credit reporting they have failed to verify they information as well. On XX/XX/2021 they were asked to verify the legitimacy of a bankruptcy they are reporting on my credit report when I sent them a certified letter through USPS with tracking number XXXX. I never heard anything back from them and they are still reporting the bankruptcy on my credit report. On XX/XX/2021 they were asked to verify negative accounts posted on my credit report via a letter sent to them USPS with tracking number XXXX and all my advances to have them report the correct and proper information on my credit report have been ignored and unanswered. I have called them multiple times just for them to give me the run around and still not prove to me or show me proof as to why accounts and information is on my report being report illegally and wrong. On XX/XX/2021 they were sent another certified letter XXXX that provided them with an FTC report stating Im a victim of fraud and to remove all fraudulent information on my credit report followed up with 20 phone calls last one made today XX/XX/2021 at XXXX. They still refuse to remove the accounts along with the inquiries made on my report without my permission. According to section 15 USC 1681 there has been multiple violations that i am willing to pursue legal action if necessary if this is not handled in an adequate manner.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

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 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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  the Capital One account opened on XXXX XXXX has violated my writes. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently disputed a collections account through the CFPB. The collections account is XXXX XXXX XXXX. The collection agency XXXX XXXX XXXX responded to the complaint agreeing to remove the account from my credit report, however the account remains. I have attached a copy of the correspondence from XXXX XXXX XXXX along with a copy of my photo ID to this complaint.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I previously filed a complaint on this, however Transunion did not respond to my issue, instead they made up their own issue and responded to that. So, here is my complaint again, hopefully they will be forced to respond to my issue this time. 

Transunion will NOT supply a free credit report. I paid them for a couple of months to try and get them to remove a couple of fraudulent things from my credit report ( the other 2 credit agencies had done it without a problem ). After those 2 months, they finally removed one, but refused to remove the other one. So, I stopped paying them. Then when I went to get my free credit report, they had hidden it behind a paywall. I chatted with the representatives, and they just confirmed that I must pay to get a credit report. My credit is marked as good on both of the other two services, but this one has it as terrible and refuses to do investigations. And now they are not even providing the services they are required to. Transunion should not be allowed to have an effect on anyone 's records.

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 2018-08-27
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines.

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form XXXX  ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from Shellpoint Mortgage servicing.

The response provided by Shellpoint Mortgage Servicing is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DISCOVER IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE 1 DISCOVER CREDIT CARD BUT XXXX IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: WELLS FARGO & COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Wells Fargo credit card with 3 zero interest balance transfers, 1st for {$1700.00} expires XX/XX/XXXX, 2nd for {$2300.00} expires XX/XX/XXXX, 3rd for {$4900.00} expires XX/XX/XXXX. I made two payments of XXXX in early XXXX one on XX/XX/XXXX of {$500.00} and another on XX/XX/XXXX of XXXX. According to the Credit Card Act of 2009,  the first amount should have been paid off completely because it was 60 days before the expiration of the 0 percent interest rate. 
Credit Card act 164b ( 2 ) Clarification Relating to Certain Deferred Interest Arrangements A creditor shall allocate the entire amount paid by the consumer in excess of the minimum payment amount to a balance in which interest is deferred during the last 2 billing cycles  immediately preceding the expiration of the period in which the interest is deferred. 
Wells Fargo did not paid off the 1st balance completely, however spread it out between the three leaving a balance of {$680.00} on the 1st. I called them in number of times to get them to abide by the Credit Card act but they refused to, saying they were in the right. Now as of last statement they are charging interest on the first amount.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-04-05
Company: USForex Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Sir/Madam, I am writing to express my concern and dissatisfaction regarding a recent money transfer I made to XXXX, which has taken over three weeks to process, and I still have no information about the status or whereabouts of the funds. This delay has caused me significant financial hardship and distress, and I believe that it is in violation of my rights as a consumer. 

On XX/XX/, I initiated a transfer of {$6700.00} to my personal account in XXXX using the services of OFX. The transaction reference number is XXXX. An automated email from OFX informed me that the transfer would be completed within 5 business days. However, after more than three weeks, the recipient has still not received the funds, and I have been unable to obtain any clear information about the current status of the transaction. 

I would like to highlight that I have made transfers using the same information to the same recipient in XXXX before, and they went smoothly within the promised 5 business days. In fact, I initiated another transfer after this delayed transaction, and it has already been successfully paid out to the recipient. This further adds to my confusion and concern regarding the current delayed transfer. 

The funds from the delayed transfer were supposed to be used for a government payment in XXXX. The extended delay has not only jeopardized this payment but has also caused additional financial strain and anxiety. 

I have contacted OFX multiple times to inquire about the delay and request assistance in resolving this matter. Unfortunately, their customer service has been unhelpful and unable to provide any concrete information about the whereabouts of my funds. This lack of transparency and communication has caused me immense frustration, and I am now concerned about the safety and security of my money. 

As a consumer, I believe that I have a right to expect prompt and efficient service when conducting financial transactions, especially when it comes to money transfers. The extended delay in processing my transfer and the lack of information about the status of the funds is not only disappointing but also damaging to my financial situation and my trust in the financial system. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against OFX if they are found to be in violation of any consumer protection laws. I would also appreciate your assistance in securing the safe and timely transfer of my funds to the intended recipient in XXXX. 

Please find enclosed copies of the transaction receipt, email correspondence, and other relevant documentation to support my complaint. 

Thank you for your attention to this matter, and I look forward to a prompt and just resolution. 

Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account has several errors. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. You are reporting false information and I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update or correct the late payment from this account. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

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

Company response to consumer: Closed with non-monetary relief