BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern, Please be advised that I have received our computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2023 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me-not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2023 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2023-03-16
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX a loan payoff payment was accepted and processed. Payment from XXXX XXXX In XXXX, Maryland to KIA Motor Finance ( KMF ). 
XX/XX/XXXX automated payment was taken from my personal checking account. 
XX/XX/XXXX I called KMF for the first time and I was told that the overpayment refund check was mailed to XXXX KIA to a po box that KMF had on file. 
The same date ( exact date unknown ) I called XXXX KIA and was told by the Finance Manager that the dealership had not used that po box in several years and they likely would not receive the check. The dealership recommended that I call KMF back and ask that the check be stopped and re-issued to me. I called KMF back and explained the situation to them and requested that a stop payment be made on the check and asked that it be reissued to me as requested by the dealership. A KMF rep told me that the request would be Putin their system. 
Two weeks later I called KMF to request an update and I was transferred to their escalation team where I was told that no action was taken because the dealership would have to call to make that request because the check was originally sent to the dealership. I called the dealership and asked the Finance Mgr call to make that request. The finance mgr called me back that same day to tell me the call was made and that KMF representative told them that they would submit a request for stop payment on the original check and reissue of the check in my name to my address based on the dealership request. 
On three occasions after that call, I spoke with three members of the escalation team and was told that their system showed requests but no processed payments. On each occasion, the last being XX/XX/XXXX I was told the requests would be processed and a check would be mailed within 10 business days. 
Finally, on XX/XX/XXXX I spoke with XXXX of the same escalation team and was told that KMF would not reissue the check in my name because it had to be reissued to the dealership and that they would require a phone call again from the dealership for information on where to send the check for the dealership. At no time in any of the prior phone calls was it mentioned to me that an additional call from the dealership would be required. I explained this to XXXX and she said that she cant control what other people told me and their processes are only incoming that they can not make phone calls to a dealership or to a person to tell them what additional actions needed to be taken to rectify the situation. 
Meanwhile, I have a call into the dealership, finance manager, and I am waiting for them to call me back so I can explain that they have to go through this process to receive the check and then they can issue the check to me separately.

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 2023-03-16
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Working with California Mortgage Relief and Schools First, my lender.

Schools First engaged in a pattern of lies and deception for almost a year as they scheduled 5 foreclosure sales on my home without informing me of a single one of those sales. " Lost '' my paperwork for the program XXXX times ( not an exaggeration! ), then used these " losses '' of paperwork to schedule even more foreclosure sales. " Lost '' recorded phone calls proving I had an agreement with them. " Lost '' details of other numerous phone calls I made to them. 

I filed a complaint with the CFPB - their response? " Why, we here at Schools First are *wonderful* at customer service. XXXX XXXX is just a grouch and he complains all the time ( by the way, almost 40 years there and I have never complained before! ). We do everything right and he's just a meanie! '' As of now, the California Mortgage Relief allows {$80000.00} to catch up. I was {$36000.00} behind and they illegally added late fees and interest ( against the law when the amount is in dispute ), ballooning it to over {$75000.00}. That leaves {$5000.00} for the 2nd mortgage. I applied for that {$5000.00}. I sent Schools First screen captures showing that I had applied for the rest of the funds to be applied to the 2nd mortgage. They then IGNORED ME COMPLETELY, REFUSED TO RESPOND, and then sent each other emails saying " DON'T RESPOND TO XXXX. '' They also through lack of technology skill and general lack of intelligence SENT ME THOSE EMAILS. I have attached a sample from the DIRECTOR of Loss Mitigation at Schools First

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Filing a Complaint on Comenity Bank for XXXX XXXX account, set up an arrangement 4 times since XXXX, and they still keep taking money out of MY BANK ACCOUNTS, My Account was put on ACH DEBIT, to debit out every month then they keep calling me since XXXX about account past DUE, and it has not been, I spoke to someone today XXXX XX/XX/XXXX, to discuss ANOTHER Payment and emails stating it is time for a payment. I am not really understanding this ; The person I spoke to today is seeing that they DID NOT DO THE FIRST ARRANGEMENTS, AND THIS ONE THEY ARE TAKING OUT PAYMENTS TWICE A MONTH. Causing my account t be in the negative all the time and overdrafts charges, and I have told the BANK but they are still letting the cedit come through ( XXXX XXXX ) another problem ... As a consumer many is getting tired of being OVER CHARGED, and these bank representatives, not putting in the right information, this world is already in a mess with people 's money and it is hard to make it. My payment were {$40.00} a month then all of sudden they claims it was not taken out and my BANK ACCOUNT shows different, then payments was set up for {$94.00} a month still, was taken out and they called again about NO PAYMENTS ... HOW??? now in XX/XX/XXXX arrangement we made for XXXX for the XXXX of every month bur they took money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX... Thee Representatives Problems, also if your Bank or Credit Union is told NOT to let the DEBIT comes through and they still do it is THEIR FAULTS and the charges late fees causing your account to have a heavy balance, and IT NEEDS TO STOP, with COMENTY, OR WHOMEVER. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: DE
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 account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats 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

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 2023-04-12
Company: Experian Information Solutions Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

Experian failed to accept my consumer complaint which is a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. 

I mailed them letters requesting investigation and validation of items reported by Experian on 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 and XX/XX/XXXX. The letter was sent by me and included a copy of my driver 's license, social security card, and piece of mail to verify my identity and address. 

Experian responded by stating that they will not take " any action on my alleged request '' because they believe that it " does not appear to have been sent directly by me or to be authorized by me. '' I contacted Experian on XX/XX/XXXX, and was transferred to XXXX different individuals who said they refused to work on anything on my report until I sent them a cover letter and a copy of my driver 's license and social security card. I told them that all the letters included a cover letter and all those items but they said I need to send a Power of Attorney too. The letters were sent from me. There is no one to give Power of Attorney to. They refused to investigate.

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 2023-04-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I've asked the bureaus more than once to investigate because I know per FCRA 15 U.S.C. Sec. 1681i ( a ) if the bureaus don't provide proof or investigate properly items must be deleted. They claimed to have verified XXXX. XXXX XXXXXXXX ( Original Creditor : WHY UNIFIED ) however its still on the report inaccurately even if oneday they decide to show proof of the debt they assume is mine. Experian didn't even let me know they were even indeed investigating. It is against the law to report as they have for this account. It should be deleted immediately. 

The other acct is with transunion. They never once investigated " US BANKRUPTCY COURT ' I've requested twice. This need to be removed as soon as possible due to it causing issues with my approval rates for new credit. Per the Fair Credit Reporting Act, Section 616 ( a ), if you willfully fail to comply with the requirement to investigate my accounts, they are liable for damages of {$100.00} - {$1000.00} and reasonable attorney fees as determined by a court of law. I would appreciate it if they delete these account 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 explanation
Consumer complaint received 2023-04-12
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:
There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all XXXX credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because XXXX, Equifax, and XXXX allowed the XXXX items to be erroneously reported, my credit score has gone down more than XXXX points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all XXXX credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because XXXX, XXXX, and TransUnion allowed the XXXX items to be erroneously reported, my credit score has gone down more than 138 points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.

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 2023-04-12
Company: Experian Information Solutions 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:
I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my XXXX XXXX credit report I did not authorize or give my consent to pull my credit. XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-04-12
Company: Prince Parker & Associates
State: MI
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:
I sent a verification of debt to Prince Parker and Associates. I also sent a dispute letter to XXXX. Both are attached. Also attached is a screenshot from my credit report showing the incorrect address for this debt collector a debt collector that I have never seen any paperwork from and I have no idea what it is. I can not send them any information without it being returned to me because the address is incorrect that they have listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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 writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number # XXXX DEBT OF ED/XXXX  Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXX U.S.C 1681 section 602 A. States I have 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # 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