BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XX/XX/2023 XXXXXXXX XXXX ran my credit with ; XXXX XXXX, Equifax and XXXX XXXX XXXX, Equifax and XXXX then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
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 I have sent many prior requests to the credit bureaus to reinvestigate several inquiries that were not authorized by me.Are n't they required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by the credit bureaus- XXXX, Experian and XXXX. 

I will once again list the inquiries in need of investigation AND PROOF THAT THEY BELONG TO ME : 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 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 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 


SHOW ME PROOF THAT THESEINQUIRYS WAS AUTHORIZED BY ME OR REMOVE XXXX MY CONSUMER REPORTS. I DID NOT AUTHORIZE THEM. - SECTION 609 STATES THAT YOU NEED TO PROVIDE THE APPLICATION THT WAS FILLED OUT FOR THE AUTHORIZATION APPROVAL. I DID NOT AUTHORIZETHESE INQUIRIES.DELETE THEMFROM MY CREDIT REPORT.

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don't even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this COMPLAINT. 


Cordially, 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 2023-07-06
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX reported a hard inquiry on my TransUnion report. Someone may be using my info to open a credit card. Will you look into it for me? It may be XXXX. Thank you. 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 2022-02-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update and remove the negative status in this account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Please remove the following accounts completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2023-04-27
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to close my account because this company added an maintenance fee without notice. I canceled the account and I was waiting for the statements to reflect the accurate balance which was not updated until XX/XX/XXXX and my billing statement isnt due until the XXXX so i dont understand why was I charged XXXX on an closed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
On XX/XX/XXXX my wife, XXXX XXXX did a debt consolidation loan in the amount of {$25000.00}. XXXX XXXX approve the loan disbursed all the funds to seven or eight credit cards including to a capital one account ending in XXXX for {$2600.00}, in the same week, another loan was processed for the exact same amount, and again all the loans. All the money was disbursed. And again account ending in XXXX was given another {$2600.00} thats two {$2600.00} payments within one week time that same week we canceled one of the loans which was the first one so the XX/XX/XXXX payment of {$2600.00} was supposed to go back to XXXX XXXX that payment has never been received by XXXX. It is XX/XX/XXXX. We have transaction numbers we have letters from the bank stating that they sent it back but it has never been received capital one can not verify that they have received the funds, and XXXX can not verify that they receive the funds, nobody can find the {$2600.00} is missing the account was paid in full so there was a {$2600.00} credit and if they were to send the funds back and there wouldve been a XXXX balance complete XXXX balance still hasnt been received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Sunbit, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested that I receive my bill by mail instead of electronically. Under federal law this request must be met. I never got a bill in the mail as I requested. Furthermore, I was never notified that there was any attempt to collect an alleged debt and I was also never given notice of my rights to dispute said debt. Now a delinquency is showing on my consumer report even though I never authorized my personally identifiable information to be shared or slanderous information to be placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Affirm 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:
On XXXX XXXX my XXXX account XXXX times for affirm accounts I never made which cause my credit score to go down XXXX points. I never made a affirm account I did lose my social security card before and which could be a issue I am having but for me to have to get my credit score abused for something I never agreed to or did is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable 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 explanation
Consumer complaint received 2022-02-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle through the dealership vroom on XXXX. XXXX does not have the tittle to this vehicle and i am actively trying to resolve that issue. In the mean time this vehicle has been unregistered and such un driveable for months. I had put XXXX XXXX down and only financed this vehicle to help cover the registration costs. My problem now is with the finance company. Since they have no tittle either. They are not legally a lein holder on this vehicle. The contract is incomplete and they have no right to be charging me payments and interest on something i have yet to receive. The finance company is Santander consumer USA. I have been in contact with them numerous times over the past several months and they have been of zero help in this situation. I have been told there is no time limit on how long they can take to complete the paperwork of the loan. I did inform them that Florida has a 60 day time limit for such scenarios. Theyre only resolution they have given me i was told its completely up to you if you want to make the payments which is extremely unprofessional but also false. I will continue to be charged interest until they take the vehicle and keep my money if I dont make the payments. I have since demanded that Santander puts a pause on my loan and stops charging me payments and interest until this is resolved. Unfortunately they are unwilling to help what so ever. At this point i demand a full refund of all payments and interest i have been charged until this problem is resolved as i feel they have no legal right to charge me anything until we can figure out who the legal owner of this truck is and they can be listed legally on the tittle as the lein holder. I would also like to add that i can email copys of the contracts of this vehicle and the paperwork i have received from the Florida XXXX regarding theyre investigation into this problem as these documents are to big to be uploaded on the initial filing of this complaint on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a auto loan with a high interest rate before I traded my vehicle in for a different vehicle in 2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, TransUnion, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, TransUnion, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, TransUnion, and XXXX know that I no longer have this debt. 

Thank you, 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 2023-06-12
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:
I am interested in processing disputes on my credit report to delete all inaccurate information that needs to be deleted with Equifax. please review an remove all listed items that has caused an error on my file. my credit report is damaged with invalid information I am depending on the credit bureaus to review an delete all listed inaccurate data asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX 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 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 non-monetary relief
Consumer complaint received 2016-09-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello ; I have been attempting to catch up on past due payments for my mortgage, however my mortgage refuses my payments and returns them to my bank. I either need to pay the full amount past due or I 'm at risk of foreclosure. I was XXXX for 2 months and out of work, I notified them of that. I sent them one full payment last week and it was returned. I have attempted to pay online via their website, and have contacted my Dedicated Loan Specialist to discuss the problem. I simply want to pay additional until caught up and do not want my home foreclosed. I faced a temporary issue that is now resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citicard involuntarily closed all of my credit card accounts on XX/XX/XXXX according to the rep I spoke with on the phone today, XX/XX/XXXX. In so doing, Citi 's rep claims that I forfeited my cashback. Additionally, some of these cards charge annual fees and I have not been refunded those fees. The rep on the phone today escalated me to a supervisor who said she couldn't help me get back this 'forfeited ' cashback. The amount citi owes me are detailed below and total {$1400.00}. Additionally, this behavior is in violation of Texas Deceptive Trade Practices Act as codified in Tex. Bus. & Comm. Code ch. 17, meaning Citibank could potentially be subject to treble damages if they fail to resolve this claim. 

Card lasXXXX Type Value ThankYou Points Stranded Balance of XXXX XXXX {$1.00} XXXX Rewards for spend on final statement {$44.00} XXXX Refund Annual Fee {$570.00} XXXX Rewards for spend on final statement {$2.00} XXXX Reward balance at time of closure {$9.00} XXXX Reward balance at time of closure {$73.00} XXXX Refund Annual Fee {$95.00} XXXX Reward balance at time of closure {$12.00} XXXX Reward balance at time of closure {$35.00} XXXX Rewards for spend on final statement {$40.00} XXXX Reward balance at time of closure {$140.00} XXXX Reward balance at time of closure {$130.00} XXXX Reward balance at time of closure {$0.00} XXXX Rewards for spend on final statement {$140.00} XXXX Reward balance at time of closure {$160.00}

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 explanation