BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$5600.00}

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 2019-02-18
Company: Santander Consumer USA Holdings Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Back in XX/XX/ 2018, I called XXXX that I wanted to surrender the vehicle but they said it has to be 72 days delinquent for them to reposes the vehicle. It has been four months now that it has been delinquent. I can't pay for the car and I just ask that it be picked up but they just keep offering me deals to lower the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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.

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 2023-04-21
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: Information belongs to someone else

Complaint:
This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-04-15
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: Information belongs to someone else

Complaint:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: RS Clark and Associates, 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: Information belongs to someone else

Complaint:
I had an account on my credit that I did not recognize after calling the company I was informed it was for a debt that I did not recognize at all. Since I was applying for a new car loan and the amount was small I agreed to pay with them deleting the account from my credit report and then sending me the debt verification after payment. 

After payment they did not delete the collection from my credit report nor sent any validation that this was actually my debt. I have since asked the company to provide me signed documents or any documents showing that the debt they claim to own was my debt and not just a mistake. They have again not provided that information and continue to report to both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Santander Consumer USA Holdings Inc.
State: MN
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 received a hard inquiry on my credit report from XXXX XXXX on XX/XX/2022. I have not asked for a new card or a credit increase. I spoke with XXXX XXXX and they said it doesnt show that I applied on there end but it does show on XXXX XXXX report. I would like for this to be removed. I also have other hard inquiries from other accounts that I did not request can they all be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since the life of the card, I have had numerous issues making payments with this company. I have attempted to make payments to this company from two different banks & bank accounts to no avail. This company claims my banks are rejecting them, however my banks state that they never received the request. After that didn't work, I made payments with XXXX and still had issues with this company. They call multiple times a day and they don't seem to care that they are breaking the law with their collection practices. They have charged {$40.00} each time this has happened for late fees. This fee I have incurred multiple times even when it was paid by XXXX in advance. They have charged over the limit fees of {$29.00} & {$35.00} after they caused the account to be over the limit by adding late fees or the {$100.00} membership fee, I was unaware of. This company makes it almost impossible to get your cards paid off because of the fees. I am afraid to answer my phone because they call multiple times a day even after they have left messages and they spoof other businesses numbers to get you to answer the phone. Even after paying almost {$400.00} in fees this month, they are still calling and requesting more money. This company has made my life miserable, and I want them stopped. I currently have 3 cards with them ( Destiny XXXX, Milestone XXXX, and Indigo XXXX  ). Both myself and my wife have spoken with this company to rectify this situation and they are either extremely rude or they are not helpful with this situation. I have even been threatened with court proceedings from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to all 3 Bureus and only experian was able to remove some incorrect and negative items from my account. How is it that if all bureus go to the same source and one was able to remove wrong information and not the other. Another thing is all bureus are showing information that does not match and are totally incorrect. Violating my rights to 15 U.S. Code 1681 ( 1 ) and 15 U.S. Code 1666b, as well as Violation of 15 USC 1681b ( 2 ) Permissable Purpose. They concluded their investigation stating items verified but did not provide a verification method on how supposedly the alleged verification was done.

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 2019-03-18
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My complaint is with the CFPB and their absolute failure to investigate my complaint against Experian and Experian 's failure to properly address my original complaint. Apparently all you need to do to address a complaint is to send the CFPB a bunch of XXXX  and they automatically consider the complaint addressed whether the consumer agrees or not. What kind of XXXX  government entity is the CFPB? They have not protected me one bit!

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 2018-02-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/22 i sent a letter to experion telling them to correct my information and i got no answer. i then attemped to file complaint here and i dont see it recorded on XX/XX/22. 
this is the second attempt to resolve this matter. i intend too contact the FTC if this is not the correct place the reslove the matter.

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 2018-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XX/XX/XXXX I obtained a Cabela 's Capitol One Visa credit card with a {$3000.00} limit. In XX/XX/XXXX I was three days ( 3 not 33 days ) late with making a payment of XXXX. In XX/XX/XXXX my limit was decreased to {$1500.00} at the time I had over {$1400.00} in charges that I was paying on. after lowering my balance it had a huge negative impact on my credit causing my points to be decreased by 50 points and my debt to income ratio to increase painting the picture as if I do not make payments or pay my bills. during that time I was in the process of purchasing a home and could not secure the loan amount because of what Capital One/Cabela 's  done to my credit for being 3 days late and only had the card for less than 90 days. This really puzzled me of how a company can destroy someone's creditability for no reason I have never been anywhere near 30 or beyond late. After paying the card down to XXXX dollars to lower my XXXX so I could secure a loan to purchase a home for my family before I retire from the military. I was told it was best to have a balance on the card not to hurt my credit so I charged {$270.00} on the card. 0n XX/XX/XXXX my credit limit was reduced again to {$500.00} for no apparent reason. All payments were made in time automatically through ACH set up to eliminate any reasons for what happened previously. Again I am now about to close on a new home and they do this again with no reason as of why. When I called they could not give me a reason as of why they did it. This has to be a violation of the FCRA. I got the card to help boost my credit and they have done everything to destroy it. I have been looking for contact information to email the CEO of this company because this is very unfair treatment to a customer who has paid of cars with Capital One and have spent a lot of money with Cabela 's. Is this predatory lending or a set up to destroy credit and lose faithful Cabela 's customers. in less than a year and never late they have successfully destroyed me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a previous complaint to Hyundai about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except Hyundai to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, Hyundai charged me a fee and said they would have waived it if I had gotten a Hyundai. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another Hyundai. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does Hyundai think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, Hyundai instantly begins reporting late payments to the credit agencies? Why can Hyundai take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when Hyundai was unresponsive during the pandemic and it was difficult to receive responses )? 

2. The process to have Hyundai honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to Hyundai, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to Hyundai. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. 

Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions Hyundai should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy? 
2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Butler and Associates, PA
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was provided with a Garnishment notice from my employer for a Judgement from back in XXXX that I was never properly served for which resulted in a default judgement. I was made aware of this garnishment in XXXX when my old employer notified me of a garnishment order while I was on XXXX leave. I filed a medical exception due to XXXX XXXX XXXX  & to give me time to dispute this debt as I was a victim of the XXXX XXXX Data Breach and this alleged debt transpired during the same week of the data breach. 

As a result of the XXXX XXXX Data Breach, I had a 2 year credit freeze & monitoring placed on my credit report from XXXX. I worked with XXXX XXXX Fraud Department & Filed Multiple Complaints disputing this debt. It was REMOVED from my credit report in Late XXXX as a result of the disputes. I thought this had been taken care of as I never heard anything about it again. 

On XX/XX/XXXX, I received a notice in the mail from this debt collector notifying me of a Garnishment Release from a old employer that I stopped working for in XX/XX/XXXX. Then two weeks later my current employer received a garnishment order. 

Not only was this debt supposed to be resolved due to XXXX XXXX Data Breach, I was never properly served, The Debt Collector was unable to validate the debt in XXXX when requested, The documents the debt collector provided me appear to be fraudulent & drastically inaccurate. But also, this debt collector had a garnishment order active for 4 years without receiving any payment, or any answer from garnishee. Which negligence of Debt Collector & Garnishee resulted in {$5000.00} in interest for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately.

Inaccurate and Incomplete Information 1. There is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. There is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete from my report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please Update to all payments to paid as agreed and no late payment ever.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete form my report 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BRCLYSBANKDE Date of inquiry : XX/XX/2022

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 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was compromised and I spoke with the bank to fix this. Money was withdrawn through cash app, XXXX, and withdrawn using my card without a pin I reported this activity and added extra security and suspended all online service and the next day they reopened without authorization from me they allowed any access to my account I was informed they will put my money back in my account in XXXX hrs because of my hardship XXXX hrs which has passed they are not responding back Ive called left messages for a supervisor to call me twice this has gone unresolved

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