BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that 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 2018-04-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moved from Colorado to Florida in early XX/XX/XXXX and opened a checking and savings accounts with Suntrust in XXXX XXXX Fl. I deposited a cashier 's check issued by XXXX XXXX XXXX XXXX ( escrow refund ) in the amount of {$3100.00}. I went to Suntrust on XX/XX/XXXX and was told that my account was on hold because the cashier 's check was fraudulent as of today Suntrust is refusing to return my funds. I have talked to several people at the XXXX XXXX bank and had many phone calls with the XXXX TN office and all I'm told is the cashier 's check is fraudulent and I won't be getting mu funds back. This is just wrong. I have also had a number of conversations with XXXX XXXX XXXX ( XXXX ) XXXX, e-mail XXXX. I talked to XXXX XXXX on Friday XX/XX/XXXX and she said the both the fraud and mortgage departments have assured her that the cashie 's cash is good. This has been an up hill battle and Suntrust has done nothing to try and resolve this issue. I was told that there was a note in my file that they contacted XXXX XXXX XXXX and were told the cashier 's check was fraudulent. This is completely untrue. I just want my funds back and any assistance you give me would be 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 monetary relief
Consumer complaint received 2023-03-05
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.

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 2021-02-16
Company: EQUIFAX, INC.
State: OH
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 filing this complaint on my own as a federally protected consumer. I AM NOT WORKING WITH A CREDIT REPAIR COMPANY. I have attempted to reach out to Equifax several times regarding this and have not been able to obtain cooperation. 

Pursuant to 15 USC 1681B Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates : I HAVE NEVER given written instruction to Equifax to furnish ANY information on my credit report. No consent is identity theft. I have attached a copy of the law with this complaint. Because XXXX is currently in violation of no less than two federally regulated laws, I AM DEMANDING IMMEDIATE DELETION OF THE FOLLOWING ACCOUNTS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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 status incorrect

Complaint:
Dear CFPB, The Experian is the one reporting 2 inaccuracies on my credit report. 

First one is XXXX XXXX XXXX XXXXXXXX has " 18 POTENTIALLY NEGATIVE MONTHS '' on my credit profile even before and after appear on my credit report. I am sure that creditor has tax credit and resell same car to another customer to make more money which is more profits for them but this account should be deleted by long time ago and outdated account. They should delete the account or pay me $ XXXX a month every month till they remove this account. 

Another account is XXXX XXXX XXXXXXXX has " 1 POTENTIALLY NEGATIVE MONTH '' on closed account that why it should be deleted or updated to paid or they also pay me $ XXXX a month every month till they remove this according to Under federal law, I could sue them and ask for {$1000.00} in damages for both account ( XXXX ) which is $ XXXX a month or maybe more can be up to {$500000.00} in damages

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 2020-12-22
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:
Previously submitted letter to Transunion, no response. Filed complaint via CFPB, the case was closed out and advised to allow an additional 30-60 days to remove unauthorized inquiries and update personal information. Nothing has been done on the complaint and it was closed out, when it has been well over 30-45 days.

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 2023-12-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The inaccuracies for XXXX : Equifax is missing the closed date, XXXX is missing the closed date and the remain on the record until date is listed XXXX/XXXX. XXXX on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : Equifax list 's paid as agreed and closed date XX/XX/XXXX. XXXX does not have a closed date and does not say paid as agreed, but only paid and closed. XXXX 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : Equifax has no closed date, date updated or remain on the record info. XXXX has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. XXXX date closed is XX/XX/XXXX and on the record until date is XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-08
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:
I the consumer did not consent to the consumer reporting agencies reporting any false or negative information defaming my name. They are causing me emotional harm, pain, and anguish. They are commenting defamation of character against me by violating my consumer rights.

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 2019-07-05
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I applied for an apartment with a co-applicant we were denied try to contact the apartment complex via email telephone numerous times with no response. After 2 weeks I contacted my bank and asked if I could file a dispute explain to them what was going on and they said yes they would open an investigation after the investigation they refunded me the money for the application fee. 3 months later my co-applicant received a letter from a debt collection agency saying that he owed {$150.00}. I called the debt collection agency and they said that he was liable because he was a co-applicant for my XXXX Dollar application fee plus {$50.00} for the returned item from their Bank. I tried to explain to them that I had filed with my bank a claim and they investigated and said I had the right to receive my money back they were very rude and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, 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:
In XX/XX/2018, I closed an American Express Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. American Express made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an Amex representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, American Express was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my XXXXredit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: LA
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 am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was billed a total of {$890.00} on two statements from a vendor who had my charge information for services I never received, were duplicated, or overcharged. I sent a letter to Synchrony bank ( credit card bank ) disputing the charges on XX/XX/2023 and a second request of the same letter at the end of XXXX. It is now the end of XXXX and I still have not received a response. The letters were sent to Synchrony Bank XXXX XXXX XXXX XXXX, Fl. XXXX. I do not have an address for the vendor ... .name of XXXX XXXX XXXX XXXX .only dealt with them by phone as a referral from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX NJ. The vendor 's telephone number was XXXX. I've used the term " WAS '' because later phone calls to this number were unanswered or followed by a recorded message stating that this number is no longer in service. Persons I spoke with at XXXX XXXX XXXX XXXX were XXXX and XXXX ... .never gave me a last name or address. Please help me get some or all of the {$890.00} back. We are XXXX citizens in our XXXX 's and XXXX 's and every penny counts for us. Thank 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 2021-01-12
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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.

The letters are stated with items and issues.

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 2023-04-19
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My wife and I are trying to trade in our Used Hyundai as part of a purchase for a new car, and Hyundai Motor Finance is unresponsive to requests for our lien release and title. The customer service on Hyundai 's end has been very bad, and they don't seem to be able to confirm or support this request.

We have contacted Hyundai twice by phone and we have still not received the lien release/title. They stated themselves that they are unsure if the lien release/title would be delivered to who we asked it be delivered to ( the dealership for our new car ), and we are incredibly frustrated and how Hyundai 's inability to field a simple request in a timely manner is leading to delays for both us and the dealership. 

We first contacted Hyundai Motor Finance on XX/XX/XXXX, and again today on XX/XX/XXXX. We have not received any confirmations or follow-up related to our request. This is well beyond the 15 day window they initially ensured for timely response. 

Moreover, it's worth noting that their title request page on their website is broken, so other consumers are unable to access this basic function of their business.

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 2021-01-12
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello and thank you for your assistance. This is my 3rd complaint filed with PHH Mortgage, as they continue to misapply my mortgage payments. I have not yet received any response from my second complaint filed in XX/XX/2020. I have had phone contact with PHH representatives in attempts to verify that payments are properly applied. They seem unable/unwilling to correct the problem. In summary, my monthly payment is being applied to " principal only '', which is a misapplication and has resulted already in one late fee ( later reversed when I contacted them ). This company is impossible to deal with. I have paid my mortgage consistently on time throughout the life of this loan. I have attempted to make some Principal Only payments, but they were also consistently misapplied even though I am following their guidelines on how to submit Principal only payments. I do not believe PHH is acting in good faith with me and I request your assistance with this. Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation