BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three 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 investigations, 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 Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( XXXX ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX  XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 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 ( Section 616 & 617 ) 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. 

Sincerely, 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 2023-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I couldnt afford the vehicle anymore in XX/XX/XXXX so I volunteered to let them repossess the car. They picked up the car about 2 weeks later and I didnt hear back from the company until XXXX  when they said they never got the vehicle. They have been reporting the vehicle late on my credit report late for the past year. The company name is Credit acceptance and to my knowledge they received the car 5 years ago. If I actually had the car they should have repossessed it or taken me to court or filed charges and I could prove I submitted the car. I told all credit bureaus about how it was a repossession and they still report the vehicle as a late payment. Also the amount they say I owed is not correct. I only owed XXXX at the time of repossession. They are claiming XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Block, Inc.
State: WA
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:
Reached out XX/XX/XXXX about a unauthorized purchase made on my account its now the XXXX of XXXX and they will not respond to me no provisional credit either despite federal law stating provisional credit is to be applied after 10 days of dispute being resolved was told they dont have to give me any kind of credit if they dont want too very rude and unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account # XXXX XXXX XXXX Bank that's being reported through XXXX as XXXX or paying as agreed. See Attached Document XXXX ) This account is Only reported on TransUnion, according to XXXX. 
As I looked into the payment History, it's contradictory to the XXXX XXXX. See Attached Document - It reports of a 30 day XXXX XXXX for XX/XX/2021. 

This company has been reporting inconsistencies across the board. How is that one information is shows positive status. 
Then another one separate with Damaging, Negative, and inaccurate information dealing with the exact same account.. This is not Right and it is so unprofessional. 
Why would this company report my payment status as pay as agreed. Then conflicts that positive information with a 30 day past due payment. 

This inaccuracy has negatively impacted any possibility of financing. I ask that this account be REMOVED from my credit reports. It is clearly this company is in violation of the fair credit reporting. 

See Attached supporting documentations 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 2023-12-16
Company: 1st Franklin Financial Corporation
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX on XX/XX/XXXX  from 1st Franklin Financial for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/XXXX  in an account with XXXX XXXX XXXX XXXX via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an un readable signature was written beside my name. The phone number on file both on the check and in 1st Franklin Financials system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX Sheriffs Office to file a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within 3 to 5 business days from the date the report was filed on XX/XX/23. I then returned to the office of 1st Franklin financial located at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the Sheriff. Employee took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department of 1st Franklin Financial. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of XXXX XXXX XXXX XXXX at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. From there I was advised to file with the CFPB as was done on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender keep placing discharged cram down debt on my payoff statements once in XXXX and again in XX/XX/XXXX one month before the scheduled sale of my property in XX/XX/XXXX. My property was placed on the auction block and there were no bids on XXXX for the property I was a bidder on the property. Within a week the PSO private selling officer for the courts and the plaintiffs attorney filed a sales form with the court stating that the property sold. My lawyer filed a motion in XX/XX/XXXX disputing the sale of the property. I discovered that at that time all XXXX   judges passed a motion to discontinue using POS sellers in XXXX County Common Pleas court in Ohio. The debt collector XXXX XXXX was successful in getting the judge to confirm the false sale and taking possession of my property which I had two  tenants living in the duplex at that time. The Shellpoint the loan servicer sent me a 1098 listing interest that I never had paid in for XXXX. The 1098 also was showing a balance of the loan debt at {$44000.00}. Shellpoint finished with a 1099-c forgiving {$11000.00} of the principle loan debt and telling the IRS that the fair market value of he property was only {$35000.00}. 
Conclusion : In XX/XX/XXXX I file a motion to have have the sale reversed and was able to convenience the courts by a phone call recording I was able to get form XXXX that the property never sold in XX/XX/XXXX. The sale was vacated by the Judge XXXX but part of the judges decision was that the property could be resold by the courts own Sheriffs department. As a result of the false sale resulted now I believe to be a issue with part of the decision by the courts. The claim is that part of the debt was already forgiven by the lender by a 1099-c and the debt collector XXXX XXXX  under the assumption that the false sale went though and the case was over paid off the first lien on the property used in the original foreclosure sale. 
I am looking for the new sale date to be vacated and the POS seller auctioneer hired by XXXX XXXX to be investigated by the Ohio attorney generals office for fraud in the sale of my property. I do not owe what the sale states I owe on the property note and the information obtained by the sheriffs sale and used as public notice must be correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-12-06
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by my credit report there was a collection for {$390.00} being collected by a Hunter Warfield in cooperation with XXXX XXXX XXXX XXXX XXXX XXXX, PA. I have received no communication from XXXX XXXX XXXX XXXX or Hunter Warfield previously. 
In XXXX or XXXX I placed a refundable deposit for an XXXX XXXX XXXX XXXX XXXX XXXX I then found a different location and canceled the inquiry. There was no paperwork or lease signed whatsoever. Now, in XXXX, they have placed this directly on my credit report. This is a scam. I have received XXXX communication concerning this matter for XXXX years, all while living at the same address and having the same phone number. I need this removed from my credit as soon as possible. This is absolutely a false claim. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The XXXX Account of below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. It is reporting that I am 30 days late on my account but in fact i was never informed that my payment was reversed because there system failed to update my new banking payment method. I spoke to the credit department and they said they would fix it and it has now been 2 months with no correction. When i call I am told they will go through phone records to confirm but never get any type of confirmations nor do i talk to anyone who remembers my calling even though there are phone records of me calling multiple times. I am a good customer that pays high interest and still stays with the company. This is effecting me from purchasing a home and i need help to get this off already, it is ruining my life. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have unauthorized inquiries on my credit report that I did not give permission for my credit to get ran and I would like them to be deleted immediately. I have unauthorized inquiries with Transunion and I did call them to tell them that I did not authorized or give permission with my credit being ran.

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 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've had a Capital One MasterCard for over a year now. I began with a {$300.00} credit limit. The first time that I requested an " online '' increase on XX/XX/17 resulted in a denial. The explanation provided didn't make any sense ( see attachment ). In XX/XX/XXXX, I submitted another " online '' request which resulted in a {$100.00} increase. I've made a majority of on-time payments on this credit card. I've always paid 3 - 10+ times more than the minimum monthly payment of {$25.00}. I've paid the card off in FULL several times. Despite all of this, I've never received an " automatic '' or promotional increase from Capital One. On today, I spoke with a representative by the name of XXXX with their Executive Resolution Department who was rude and defensive from the very beginning of the conversation. She didn't prove to be helpful at all. She even refused to let me speak with her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XX/XX/2020, I made a transaction of amount XXXX on XXXX  to XXXX XXXX. The amount was debited from my account but didn't received by the receiver. It's already been more then a month but no update is given to me regarding my money from XXXX  company. I have tried to contact XXXX  customer service multiple times but Everytime they say that the problem would be solved within next 3 Working days. But today it's XX/XX/2020, but still I haven't given any updates, not even my account is credited by XXXX rupees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021, Kia finance dropped my credit rating of XXXX to XXXXbecause I didnt pay {$120.00} for the last payment on my excise tax. I had been paying this amount right along and they have always accepted these payments in this way for my previous lease also. It seems that they changed their policy and wanted it all at once. I was never notified. I contacted them and was told that there was nothing I could do. I have never been late on any car payment or excise tax. I had no knowledge that they had changed the policy. This is way too harsh. Im very proud of keeping my score above 800 and this is extremely unfair and unjustified. Any help will be much appreciated. 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 explanation
Consumer complaint received 2022-11-18
Company: 21ST MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i asked for a lost midagration and filled it out the sent me an email on XXXX with out a decsion when i called them and asked what the decion was thy got super snotty and said it was denied and we wont the XXXX is due in our office today i got nothing in writing to this matteri aslo got told take your money and find a new place to live we dont want your home so i tryed to make a payment arrangement thy didnt care thy wanted last months and this months payment today with nothing in writing what so ever i asked a nonprofet to help i havent hurd back from them so i called another thats going to help me i told 21st mortage i was going to wire money to them what i had but hade to go to the nonprofet place got called a lier fronm 21st XXXX thy will deni just like if your one day late will sue you that thy claim thy didnt say a payment was sent to them befor and thy put it on the wrong account and reported i was latewhen i wasnt we repot acterly no true i told them thy put it on wrong account and thy said it was late due to a mistake thy did and wont correct it when my wife XXXX XX/XX/2001 thy been trying to take my home away from me it was wrong thy told me money was due today with out and writing to me or the denial of the lost midagration and thy want money today by XXXX or else why didnt i get anything in writing insted of a DEMAND OVER THE PHONE XXXX by XXXX XXXX today and we will not help you all this over XXXX payment i have a wage garnisment orderd by court im paying thy know this this is wy ive been paying biweekly and thy said it was fine now this i think this company needs to be investagated also im paying on a XXXX XXXX i need and i told them the county has leains on my home due to my wifes XXXX XXXX she had to have plus her XXXX put a lean on the home though XXXX XXXX XXXX

Company response to consumer: Closed with explanation