BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to Transunion and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course XXXX couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards

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 2021-11-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 ) I received a notice on XX/XX/21, that my Personal Loan was in collections due to non-payment of {$800.00}. I made XXXX separate payments of {$800.00} on XX/XX/21 and XX/XX/21 via bill pay. The XX/XX/21 payment was received, but not the XX/XX/21 payment. XXXX, I emailed XXXX the XX/XX/21 canceled check copy showing that they had cashed the check, but had not credited my account. 
I called Santander bank on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I received a call back on XX/XX/21 and XX/XX/21 from the bank representatives assuring me that the matter was being handled and on XX/XX/21 that it was resolved. 
I received my XX/XX/21 loan statement and the XX/XX/21 payment has still not been credited, and a {XXXX} late fee has not been reversed. 
I am scheduled to receive a call back from a Santander representative on XX/XX/21 with a resolution. 
2 ) Santander tracking of my loan payments are incorrect, as my statement states an amount due of {$1600.00} and I have made monthly on-time payments on my 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 2023-12-22
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: Information belongs to someone else

Complaint:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX 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 2022-12-01
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 vears.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: FIRST NATIONAL BANK OF OMAHA
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX XXXXXXXX transferred their credit card affiliated with XXXX to XXXX ( First National Bank of Omaha ). I received the new card in the mail and followed the instructions. Their website loaded after about 5 attempts and when I finally got it I received an error page that stated, " sorry, we can't access your account. '' Which I thought was odd. So I tried calling and called three different numbers i found and all of them stated, sorry we are experiencing heavy call volume and then it kept repeating that it couldn't help me so I hung up. I also received a credit alert from my credit monitoring report that I have charges that exceed over {$2000.00} of what my balance should be which leads me to believe that someone is charging on this new account since I haven't used the card! I also tried emailing them but the website does not register and gives me an error ( I am tech savvy so not sure why this is happening and I opened it up on XXXX  and XXXX and both don't work ). Just all error messages and not I'm afraid that this will ruin my credit report 's good standing. I have no idea why XXXX XXXX XXXXXXXX did this! I am frustrated that this new credit card company is ruining everyone 's credit! I can't even make a payment if I wanted to. I also have everything documented.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : XXXX, TransUnion, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages. 

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.

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 2022-10-30
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX forced me to pay an additional amount for State Sales Tax plus non payment fees and fines. 

The State of Illinois incorrectly sent a payment demand to XXXX XXXX for sales tax. The sales tax had been paid at lease signing by the Dealer. ( see attached copy of cancelled checks ) I had to pay {$1500.00} to XXXX XXXX because XXXX XXXX paid the State of Illinois without checking the validity of the demand. 

I have contacted by phone and mail every number and po box provided by the company. I finally got a response which stated that I will get my money returned if and when the State of Illinois makes a refund ( see attach response ) Essentially I am being forced to pay the sales tax twice plus fines because of their lack of due diligence.

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 2021-11-20
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Summer XXXX : I inquired my mortgage company ( U.S. Bank Home Mortgage ) for a private mortgage insurance waiver based on the new evaluation of my home. I have completed $ XXXX in renovations, and have owned the property since XXXX. This time period saw a large spike in property values in my market, but the appraiser gave an extremely cautious valuation just under the amount needed to waive my {$150.00} PMI payment. They rejected my alternative comps, and I waited for new comps to hit the market. The property valuation came back at over {$100000.00} less than the average of XXXX, XXXX, and XXXX were estimating. 

XX/XX/XXXX : I Called US Bank again to request a new appraisal. I was notified that there would be an additional {$100.00} fee, which I paid over the phone. I was told to wait 2 weeks to hear back from an internal broker to go over a new evaluation. 

XX/XX/XXXX : A month after the inquiry, I called US Bank for a status update. I was notified that the fee I paid was misapplied as a {$100.00} principal payment, so it had to be withdrawn from the principal balance and re-applied. I asked when should I expect a call from their internal value broker and was told it would be relatively quickly since they made an error. 

XX/XX/XXXX : I never get exact details on the status of my request when I call, and I don't know what other options I have at this point. My PMI premium is expensive and makes a difference to my family, and I am starting to suspect that US Bank is suppressing valuations in order to keep these policies in place to mitigate risk. Delaying this process means the comps in my neighborhood are getting older. I have never missed a payment, and my neighbors house sold at nearly double the price per square foot in XXXX ( its a smaller house on a smaller lot ). Any assistance would be greatly appreciated,

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 2021-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called XXXX and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

Experian received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! 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 2018-09-16
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX we contracted XXXX XXXX to install a new Heating and Cooling system. We agreed. They indicated they used GreenSky and XXXX XXXX XXXX to extend the 18 month 0 interest loans through. I have excellent credit so I was not concerned. I put a substantial amount down on the loan to ensure that I would pay it off in the 18 months. They initiated the loan on XX/XX/XXXX. I made the first payment on XX/XX/XXXX through an electronic payment. They did not credit the account - I had bank contact them. They finally acknowledged payment. My payoff on the account is higher by half of the {$390.00}. payment than what it should be if you call in. The statement for the payment made electronically on XXXX is not showing today on XXXX. I have not received any statements for the XX/XX/XXXX Payment. There is a download button which does not work on their website so there is NO WAY TO ACCURATELY DOCUMENT WHAT THEY ARE DOING or WHAT THEY ARE CHARGING. They repeatedly tell me that if it is paid off before XX/XX/XXXX I will not incur any interest but I have very little faith when they do not even provide statements or a method to download the statements. And they are unable to update their online account with payments and statements to reflect what is paid and how it is applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent a request for validation to the debt collector ( XXXX XXXX XXXX ). Although they sent debt collection notice and verification. They have failed to properly validate the debt is mine with a contract bearing my signature and the license number to collect in my state. By XX/XX/XXXX which was the deadline to the 30 day validation window. I would like Equifax to take the collection off my credit report as is my right under the Far Debt Collection Practices Act. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
-continuously after receiving cease and desist letter phone calls every 3 days -validation of alleged debt is not received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CULLEN/FROST BANKERS, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, " XXXX '' charged my Frost Bank, Texas valid and active checking account with an old, cancelled debit card that had been used for the free trial site which I had already cancelled within the allowable time frame for cancelling the free trial. This charge and date was about a year after the free trial ended. 
XXXX XXXX XXXX XXXX XXXX used an old, cancelled debit card for this transaction. 
Frost, rightfully so ( XXXX XXXX  ), declined the {$59.00} charge but still listed it as " Pending '' on my currently valid and active checking account, but did not decline ( XXXX XXXX  ) the accompanying {$1.00} fee. 
Even though the debit card charged by XXXX was old AND HAD BEEN CANCELLED aboutb a year ago, FROST ( XXXX XXXX ) APPLIED IT TO MY CURRENT, VALID AND ACTIVE CHECKING ACCOUNT. 
I CONTACTED XXXX XXXX XXXXXXXX ) AND THEY SAID THAT THEY HAD NO RECORD OF ANY CHARGES, SO I WENT BACK AND CHECKED MY FROST CHECKING ACCOUNT. BY THAT TIME, THE " PENDING '' {$59.00} CHARGE HAD DISAPPEARED, BUT NOT THE {$1.00} CHARGE. 
IN SUMMARY : XXXX XXXX XXXX XXXX XXXX XXXX USED PREDATORY PRACTICES TO WRONGFULLY CHARGE ME FOR A CANCELLED AND UNWANTED SERVICE WITH AN INACTIVE DEBIT CARD, AND XXXX. FROST ( XXXX XXXX ) ALLOWED THIS ILLEGAL DEDUCTION FROM MY ACCOUNT WITH AN INVALID DEBIT CARD WHICH HAD ABSOLUTELY NOTHING TO DO WITH A YEAR-OLD TRANSACTION HOW MAY A BANK ( XXXX XXXX ) ALLOW AN ILLEGAL CHARGE TO BE APPLIED TO A NEW, VALID AND ACTIVE CHECKING ACCOUNT FROM AN OLD, CANCELLED DEBIT CARD?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing this complaint to CFPB VS TRANSUNION in hopes to gain removal from reporting any negative claims asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. My complaints primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report file in fact has been done and currently reports appropriately and ONLY so undeniably ethical, Fair, truthful, within federally-defined timeliness, with physical verifiableness and elsewhere certifiably validated to be compliant to established mandatory utilized XXXX XXXX Data-filled FIeld Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimum criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser that that of a MAXIMUX POSSIBLE ACCURANCY AND MAXIMUM POSSIBILITY OF COMPLETENESS! The company 's indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX XXXX COMPLAINT standards thereby giving me legitimate concerns the negative information portrayed by the complaint is either not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards. Attached are letters I sent out on 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 2023-08-03
Company: Experian Information Solutions Inc.
State: SC
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 need you to investigate the following account : XXXX XXXX XXXX  Account : XXXX I was never late on the paid off account listed. I have late payment reporting in XX/XX/2023 and Im not sure how that is because I have always paid on time. Please show me documentation showing proof of the transaction showing I was ever late to support your inaccurate reporting on my credit report. I have encouraged family members and friends to join you all to reap the benefits of this great company. These late payments have affected me tremendously dropping my credit over XXXX point I have become depressed as I seem to never be going to be able to purchase a home. No one in my family owns a home and I want to break the generational curses. This is an INVALID late payment and I ask that those late payments be updated in the payment history to paid as agreed never late ( PAANL ). As the FCRA allow 30-days for this issue to be rectified This is also a violation of 15 USC 1681b ( a ) ( 2 ) ( Ai ) as I the consumer did not provide written instructions to release any information, and doesnt include any information solely as to transactions or experiences between the consumer and the person making the payment. This is also a violation of U.S. Code 6802 ( b ) Obligations with respect to disclosures of personal information meaning that a financial institution may not disclose to a third party unless the financial institution has provided the consumer a notice in which I have not received. Nor was I giving the option to op-out it was only the option to op-in I also understand that according to federal law 15 U.S. Code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Thanks, 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 2023-02-10
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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation