BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-27
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: Investigation took more than 30 days

Complaint:
I have tried to reach out to XXXX XXXX XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with XXXX XXXX XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.

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 2023-09-05
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I went in for a XXXX  operation, and on the day of the operation I was told by the receptionist who signed me up for Care Credit through XXXX XXXX  that the credit would be 0 % interest. There was no indication of a temporary period of time that interest applied, or that there would be an increase. I was misinformed of the terms of the loan and now have been charged a {$1900.00} lump sum interest amount that more than doubles the amount I owe. 

I messaged with customer support on XX/XX/XXXX  to ask if I could pay the remainder of the principal balance owed prior to the interest charge ( {$1400.00} ) and waive the lump sum interest because I was unaware of any interest on the loan ( {$1900.00} ), and they told me that wasn't possible. I think if you allow a nurse or receptionist who is not representing the true terms of the loan in a upfront and honest way to obligate consumers for credit use with Care Credit, they should be informing people of the period of time the 0 % interest offer is good for. She told me in person that there was no interest and it was an awesome option to cover the cost of my XXXX. I would've paid off my entire loan prior to the end of the promotion had I known it was a temporary offer. Now I have a loan I won't be able to pay off for years because of a lack of understanding of the loan terms, and I feel as a consumer I was harmed and misled in the process.

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 2023-10-02
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
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 information incorrect

Complaint:
These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor.

The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative

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 2022-03-28
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was acquired by Freedom Mortgage in late XXXX. We have made every payment on time which was even acknowledged by them over the phone. They have promised to address the discrepancy several times, but we are still receiving deliquency letters from them and have been reported delinquent to XXXXXXXX XXXX XXXXXXXX.

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 2022-03-27
Company: Persolve, LLC - Legal - Series 2
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: Investigation took more than 30 days

Complaint:
I have tried to reach out to Persolve Legal XXXX several times requesting them to provide me with an interest disclosure and a break down of how the interest is being accumulated on my credit report after several requests they refuse to disclose this information so I am under the suspicion that they may be charging more interest than legally allowed based on the contract they purchased from XXXX. 

I have requested this information XX/XX/2021, XX/XX/2021, and XXXX XXXX. 

The balances reported on my credit report are also reporting inaccurately which I have contested several times without response. I have seen a change in balance since I settled with Persolve legal XXXX in court however the balance reflected is still reporting inaccurately whenever I contact this company by phone the representatives hang up on my immediately when I ask for a detailed billing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: GUARANTEED RATE INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I Closed on a house on XX/XX/XXXX. They misled me about things and did not followed through the closing disclosure. The closing disclosure they presented to me at the closing table was different than what I agreed and signed right before closing. Because of their misleading and hiding information it cost me additional {$16000.00}, Delayed closing, caused anxiety and fear of losing the house ( two conflicting closing disclosure are attached ). I had to come up with additional {$16000.00} to be able to close on the deal. I was afraid I was gon na lose the house. 

After that XXXX representative XXXX XXXX reached out to me on XX/XX/XXXX to refinance the loan and correct the mistake they did, in return he offered me lowering the interest rate from 2.75 % to 2.35 % with no closing cost and also to reduce the loan amount by $ XXXX to compensate the loss I suffered with the original loan ( correspondence from XXXX included XXXX. this refinancing did not close till today even after scheduling with the attorneys office for XX/XX/XXXX at XXXX with XXXX XXXX XXXX XXXX XXXX, I made repeated phone calls and emails but got no response from XXXX. 

Everyday interest is accruing which I am not responsible for - Since XX/XX/XXXX XXXX  gave me the impression refinancing will close in a week or so, as a result I have been in confusion and did not know whether I should make payment to the original loan, I am afraid XXXX  might have reported to the credit reporting agencies and damaging my credit. I want to pay off this loan and be compensated for all the financial loss and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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:
Under 15 U.S Code 1691b Permissible purposes of consumer report. I never gave you any written consent to report anything on my consumer reports. No consent is identity theft.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report. These accounts below are in violation.Any credit transaction supposed to be excluded from a consumer credit report. if a Social Security card was used in the transaction.

15 U.S.C 1681S-2 ( A ) ( 1 ) ( E ) ( I ) Rehabilitation of private education loans, These loans below has completed the rehabilitation process, DELETE NOW 1. U S Department of Education XX/XX/XXXX all 12 accounts for different amounts. 
2. XXXX  XXXX has 10 accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2022-10-19
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:
XXXX XXXX XXXX is a fraudulent account not belonging to me. I have disputed this account with all 3 credit bureaus and Equifax will not remove this account after submitting identity theft report and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

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 2023-03-11
Company: Experian Information Solutions 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:
The Name on the report has been notified as incorrect and Experian as well as, XXXX has continued to place the incorrect name by excluding the Suffix and/or entirely place the incorrect or a fraudulent name on my report. 

I have recorded calls as proof and am willing to take it to court and/or the hire level when necessary. 
I have called them over and over again to wit, has led me to start recording these calls after encountering a rude representative that wanted to tell me the incorrect information ( s ) is " Correct '' ... when i notified her the info is not correct she/he went on to continue asking me what on my report is not correct ....? I had to enforce them confess, Who's report is it .... Mine or theirs... They then hung up after I made them confess it is my report and not their 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 explanation
Consumer complaint received 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is a continuation of CFPB Case XXXX. 
The complaint to the CFPB seemed effective - I have received a reply from Capital One in XX/XX/2021 that they would reopen my account. 
I was sure that they would make good on their official response to a federal regulator, but already half a year (! ) I am trying to reopen my account, as they have committed to the CFPB, but with no avail. 
When I call agents and their supervisors, this " commitment '' is not in the system, I receive a response that the account is closed and there is nothing that could be done ( for instance, a conversation from XX/XX/XXXX, with supervisor XXXX, agent no. XXXX ). 
I have to say that as a lawyer I am very much surprised by the treatment of a XXXX XXXX XXXX to its commitment to a Federal Regulator. 
I hope you will be able that Capital One would treat more seriously its commitment to a Federal Regulator such as the CFPB, and will execute its commitment to open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX # # # #, is reporting Has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-02-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXXXXXX XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this account from my personal file ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: SECURITY FINANCE CORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize none of the following inquiries on my credit report and I do not recognize them. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Professional Finance # XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-02-20
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought my XXXX XXXXXXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX. The car was sold for {$43.00} XXXX. But when you add the finance charges, the Total sale Price is {$58000.00}. Thus the difference between the actual cost of car and the Total Amount that I am paying is a whooping sum of {$15000.00}. The financier is Hyundai Finance. It is believed that having made a profit of {$15000.00} from a client for whom you had sold a used XXXX XXXX at an exorbitant Amount of {$43000.00}, would make this XXXX merchants sheath their knives. But it didn't, rather they continued their extortion scheme by introducing accessing fees each time I make a payment. The monthly payment is {$790.00}. Each time I make this payment I am forced to make an accessing fee of {$3.00} if I use the automated phone line or more if a caller from their call center collects the money over the phone. Last month, I could not make a one time payment due to inflation and bad economics in the state of the nation ; so I called Hyundai Finance and informed them that I would split my payments in two installments. First {$400.00} made before XXXX timeline and the balance made shortly after. The automated system collected the accessing fees of {$3.00} the first half payment of {$400.00} and equally collected another {$3.00} for the balance of {$390.00} paid on another date. I called Hyundai Finance to complain that this a rip off and is tantamount to stealing and a ploy to keep me indebted to them forever. I informed them that I had bought a car already before I stumbled into them. The car was a XXXX XXXX. And on quote " I AM not being charged any accessing or additional fees to make my monthly payments till date through the multiple avenues they provided for payment " And also the Finance charges from the Financier of the XXXXXXXX XXXX were far much less. I demanded for full refund of all the accessing fees I have paid till date, on the XXXX XXXX XXXX model and total withdrawal of the accessing fees. They declined. They are also asking for late fees notwithstanding that I .made a committal fee of {$400.00} within the required period and informed them of the date for the next payment. Recently they said they have opened a website for the option to pay without fees. I am not able to use the website option moreover internet access is required to use it. Also the car Amount of {$43000.00} was hiked to {$43000.00} on their paper correspondence with no Justification or explanation whatsoever. Their interest is not debt recovery. It's all about keeping me indebted forever. This XXXX merchants should be stopped Forthwith from doing business in the United States of America

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 2022-10-19
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-03-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today XX/XX/20 I get a statement from citizens one bank and it showed a balance of {$800.00} ( 2 months payment ) Ive been making payments on time and Im trying to figure out why it is showing 2 months payment due and one being late? I was able to review the last few payment from my deposit account and the last one XX/XX/20 payment was made for XXXX and a payment around XX/XX/20 for XXXX. My payments are due on the XX/XX/XXXX of each month, so Im not understanding why it is showing late. I called today and say on hold for OVER 45 minutes for someone to pick up the line and hang up. I figured maybe if I report my issue Ill get a answer to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see 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 explanation