BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Unknown Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, DEPTEDXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # XXXX, COLLECTION Account # 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 an 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 2023-07-28
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Acct # XXXX Attn : Credit Bureau Disputes To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address

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 2022-11-17
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2021-11-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, I dont have the exact dates as its been over a year since this started but here is what happened. Chase closed my account without warning. I was with them for over 10 years in good standing, never a late payment. i found out they were closing my accounts when my wife called me from the store saying her card wouldn't work. I spent hours on the phone with support trying to get to the bottom of it and the response i received was along the lines of " If you read the docs you signed when you signed up with chase it will state that we have the right to end our relationship at any point with and do not need to provide a reason ''. i was quite amazed at this considering the size of the company and my history with them. About a a little over a year later they decide to shut down my business accounts as well. Again with no explanation. The time frame for the business accounts closures are around XXXX XXXX. They really caused me alot of issues as it was not easy to reset up all the payments i had setup using my chase credit card and checking accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am looking to purchase a Home and once I looked on my credit I see XXXX accounts that I never seen before

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 2023-07-28
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXXo XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I called Kia Motors Finance and told them about inaccuracies they had reported to credit bureaus : they falsely reported that I paid late multiple times on a vehicle lease, when I never did. Their own records show I always paid on time and they agreed this was true when I talked to them. I have called them many times and written a letter because their credit reporting department has NO phone number or email address, according to customer service- this is a big problem. The only way to contact them is postal mail and then you have to wait for a response. I tried using XXXX to ask Kia Motors Finance for contact info for the credit report department but they didn't respond to me at all. 

My credit score went down over 60 points, dropping my credit into the mid 600s when it had been in the upper 700s. This has stopped me from starting the process to get a mortgage because I'm not eligible for the rate I want. It is now XX/XX/XXXX and Kia Motors Finance still have not fixed their mistake. My credit report still shows the late payments that never happened. 

I filed a dispute with the three credit bureaus. XXXX  emailed me to say they confirmed the late payments were correct ( perhaps Kia Motors Finance never responded to their inquiry ) and closed the dispute. Today I sent XXXX  a PDF of the 100 % on time payment record that Kia Motors Finance emailed to me, and now my XXXX score went up 45 points suddenly. So it seems XXXX  has finally removed the incorrect late payments. My score is not where it was before and I still have to get the other bureaus to correct the mistake. I still have not heard from XXXX. It's disturbing how much trouble Kia Motors Finance 's mistake has cost me. I've attached the payment record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-09-29
Company: PROVIDENT FUNDING ASSOCIATES
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In 2017 we purchased a home for my aunt and cousin to live in. My aunt is on XXXX   XXXX  and her daughter is her full-time XXXX. We went with a reputable local mortgage company there in XXXX Oregon that recommended a product that we felt comfortable with ; we did not read the fine print and so did not understand that our mortgage could be sold to a company like Provident. 

Under COVID we lost one of our businesses but our bike business took off. Additionally I work as a XXXX at a XXXX  college in XXXX. We make plenty of money and have not paid any of our monthly debts late. My credit score took a hit due to my debt to income ratio only. We have never paid our mortgage with Provident late and we have never declared bankruptcy. 

When my husband lost his farming business we contacted Provident to refinance the home we have my aunt and cousin living in so as to better manage our overall costs. Provident customer service folks told me that I did not qualify for the refinance because of my debt to income ratio. Provident customer service folks never asked about our situation or other assets we have. They did not care about our spotless payment history or have 2 minutes to discuss options with us. And ye, like everyone else in that industry, they received stimulus money and funding to keep folks housed. They were not concerned with my aunts fragile health or in learning about the other assets we have. Owning a home is a privilege but being housed is a human right. We are ready to deal with this so that others might not have to in the future. 

We have consulted an attorney and are following their suggestions by registering complaints with he Fair Housing Council of Oregon ; the Consumer Financial Protection Bureau with the Federal Government ; and the XXXX XXXX XXXX  in every state except for Alaska, Alabama, Arkansas, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming. 

We also sent a formal written complaint to Provident where they only receive written complaints at to their XXXX XXXX XXXX XXXX XXXX, CA. XXXX. They can take our money and we have a portal for sending payments, but the only way you can submit a complaint is in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Received a bill from Target Red Card XX/XX/XXXX. Was paid in full XX/XX/XXXX. Have confirmation number and name of person I spoke to. Target continues to bill for an account thats been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a derogatory mark appear on my credit report on the XXXX of XXXX, XXXX from Sequium Asset Solution. Looking into it further, I saw the collection was opened on XX/XX/XXXX, over two months ago, giving them plenty of time to try contacting me, but this is the first time I saw anything about this. Seeing as the original creditor was XXXX, I immediately knew this was identity theft, as the last time I had an account with XXXX was in XX/XX/XXXX, before I sold my house and moved. I already started a dispute with XXXX, and I am filling this out, which I hope is the FTC report they were referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have reported this to criminal court in CA, NY and NJ. Several criminals at XXXX XXXX have stolen my debit cards and credit cards on Friday XXXX XXXX. The bank is refusing to send me a debit card at Wells Fargo. I do not have much money in my checking account. I have joint and beneficiary accounts, there, however, people are duplicating my phone numbers and blocking me from accessing my debit/ credit cards. I told them that I have a problem walking and they refuse to send me a new debit card. They told me that I had to walk into a branch. I believe that this CEO is XXXX and //or he is allowing a criminal at XXXX, XXXX, XXXX XXXX to access my banking accounts. The most frustrating thing is that it is painful for me to walk and they refuse to mail me a debit card. Lastly, they never respond to my complaints that I have submitted. The housing director, XXXX  XXXX, where I, temporarily, live has stolen a large sum of money and the bank is trying to protect her thievery. She is a XXXX non rich, jealous, woman and she is trying to steal everything from me and my father. She is also making my XXXX and other illness worse through hacking my wifi. I only needed one card to be mailed and they act like I am not entitled to a new card. This is the first time that I had a problem at Wells Fargo Bank. If XXXX XXXX, the thief, wants to get free money from the bank, then, the CEO should supply her with his money.

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 2020-06-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2020 we have been trying to get the final release of insurance claim funds from the escrow account with LoanCare mortgage company. We have completed the rebuild and passed the final inspection for the city and received the certificate of occupancy. After relaying this to LoanCare they have done nothing to help with the withdraw the last of the funds. Multiple times the inspections that we have requested have been cancelled by LoanCare, the reason i was told was because of COVID-19. When I called to inquire about the next steps we were asked to submit pictures of the  house in lieu of inspection. We have waited for responses, time frames have been changing on when we would get those responses from corporate. Then new requests have been submitted, they tell us they are expediting everything, but no progress has been made. Now I am being told that there is confusion between myself and the inspectors, but they said before they cancelled it. Finally another inspection was scheduled, I received a call Monday, XX/XX/XXXX from XXXX XXXX XXXX and they said I had the option to submit to a virtual inspection because of the current situation we are all facing. I submitted photos and received a message that the report had been submitted Tuesday morning, XX/XX/XXXX. I called the claims department to confirm and they told me that it is noted that I don't want an inspection. They had no information as to the final report submitted by XXXX XXXX XXXX. Every person I speak to as well as the supervisor I spoke to have all given me different information and now everything is changing and they are saying that I don't want the inspection, which is completely incorrect. I have called numerous times every week and they are not handling our funds within good faith. This has been going for almost 3 months, I've submitted pictures and the certificate of occupany, but there is no progress. we are unable to pay for services done to complete the rebuild because they will not work with us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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