BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help 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 2021-03-06
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX XXXX Violations of my rights as a furnisher. 
Collection agency reported the debt with an incorrect date of last activity on your credit reports. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I will use all the CFPB for evidence in legal matters. Removed from all consumer reporting agencies and monetary relief. Violations 15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

First Acct # XXXX Date of last active TransUnion has XX/XX/2025, XXXX has XX/XX/2025 and XXXX has XX/XX/2025. 

Second Acct # XXXX date of last active as TransUnion has XX/XX/2025, XXXX has XX/XX/2025, and XXXX has XX/XX/2025.

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 2023-10-19
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my father used my social security number to open a credit card in my name and now it has been sent to debt collectors that want me to pay for them. i just turned XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2023 I asked the credit bureaus to remove all these negative items off my report they would not. They said there is no way to delete them off my record. These debts are not mine and have had a very negative impact on my life. I can't live a normal life I even believe that the bureaus leaked my personal information, for accounts to be opened as act of fraud on my account. They even allowed my personal private information to be reported without my consent. I have addresses that are wrong. So, these things have made more negativity in my life because I can't even buy anything because all these company decline my access to my unlimited credit. none of these debts have even been Valid and they also have been sold over and over again. All three credit bureaus also are even reporting different information 's. UCC 9-506 Seriously misleading. All negative items need to be removed. 15 U.S Code 1611 Identity 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 2019-12-27
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hayt And Hayt is attempting to collect on a debt for their client XXXX XXXX XXXX. This company does not have any original contracts and the terms and conditions to go with this debt that substantiate that they are allowed to collect the interest and fees they are attempting to charge, which is a violation of The Fair Debt Collections Practices Act. I have asked them to produce it and they have failed to do so and continue to attempt to collect on this debt. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. This is unfair and I want this harassment to stop.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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 2021-03-22
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We asked them to help us port a XXXX number over and create a family plan back in early XXXX of XXXX. They said we had to create another temporary line so they could then move an established sprint phone line to that number associated with the family line and merge. We were told middle that month, that they could not help us and wed have to call customer service. Countless hours later on hold, and they were not able to do anything. That was back in XXXX We moved to XXXX at the end of XXXX only to figure out two months later they left the second line open which I was charged for. They said they would cancel the account but I would have to pay for 1/2 the bill, even though there was zero data and usage on that line. I agreed to pay and ask for confirmation of closing. That was XX/XX/XXXX. Got another bill and called in on XX/XX/XXXX. They assured me they will cancel and to take my card on file off so I wouldnt be charged. I was told to give it 30 days to cycle through. On XX/XX/XXXX received another bill, now {$250.00} bill and they say they have no record of me asking to cancel. Received notice on XX/XX/XXXX they were sending this to a collections agency. I called and they still they can not send me confirmation of account closure. I called and waited another hour to speak with employee ID XXXX who said to wait another 3 weeks to see what the total amount charged will be so they know what to credit. For me to wait another 3 weeks is not an acceptable answer. They were going to transfer me to a manager and then they hung up. Wasted 1.5hrs of my day, total of around 4hrs speaking with XXXX and they can not give me any clear direction as to what is happening. The line should have been closed back in XXXX when I switched to XXXX. Then again on XX/XX/XXXX when I paid the last bill, but yet this continues.

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 2019-12-27
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection matter involving phone services that I have never used. The reporting of this account is inaccurate. This account appears to be frivolous and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Subject : Dispute Letter for Unauthorized Hard Inquiries on my Credit Report Dear Sir/Madam, I am writing to dispute certain hard inquiries listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) in U.S. CODE 15 U.S.C. 1681 et seq. Section 604 specifically addresses the permissible purposes for obtaining a consumer credit report, and I believe that the inquiries listed on my credit report were not made with my written authorization. 

Here are the details of the unauthorized hard inquiries on my credit report : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXXXXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I have not applied for credit or authorized any of these companies to access my credit report within the time frame these inquiries were made. As a result, I am formally requesting that you investigate the accuracy and legitimacy of these hard inquiries and, if they were made without proper authorization, remove them from my credit report in accordance with the FCRA. 

Please provide me with a copy of my updated credit report once these unauthorized inquiries have been removed, as required by the FCRA. Additionally, I request that you provide me with a written explanation of the results of your investigation within the statutory time frame. 

I kindly request that you initiate the investigation process as soon as possible and notify me of the results within the 30-day period stipulated by the FCRA and provide me with the proof you obtained as required by U.S. CODE 15 U.S.C. 1681 et seq. Section 604. 

Under the FCRA, you are obligated to ensure the accuracy of the information contained in my credit report. Failing to do so can result in legal consequences, and I trust that you will handle this matter promptly and in accordance with the law. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report.

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 2019-09-28
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient, XXXX XXXX, XXXX XXXX PA XXXX, incorrectly had my account 4 months in arrears and notified the credit bureau, resulting in my FICO score dropping over 100 points with an extreme delinquency or bankrupt narrative written on the report. As a result XXXX reduced my credit available as did XXXX. Causing me a huge economic crisis in what has been a transistion year as I retired, dealt with medical issues and affordable housing. 
I had been in forebearance ( which Navient charge to set up ) and never received any indication of a problem with my loans. So basically between the incompetence of Navient and the unaccountability of the credit reporting XXXX in this country I have lost both credit cards as I closed them out since I couldnt use them but was expected to pay a yearly fee. 
Please advice who I can approach to sue both parties as the dollar is all that matters in this country.. 
I was informed yesterday that next months report should reflect the correction! TOO LATE for my credit requirements. Through no fault of my own. 
thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft I requested a copy of my credit report and when I received my report I was shocked to see some accounts that didnt belong to me so I immediately contacted my bank to freeze all my accounts

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 2019-12-27
Company: U.S. BANCORP
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the fall of 2016 I was going through my first home purchase. I was prequalified with a loan and what I could afford. I realized the house had to have flood insurance so I was checking out prices and my mortgage loan officer XXXX XXXX with XXXX XXXX XXXX XXXX XXXX said they did insurance there at the bank so I thought I would check with them. They give me the amount of around {$800.00} annually. So I decided to go with them and paid and received a certificate of coverage on XXXX. And I asked the Insurance guy XXXX XXXX with XXXX XXXX XXXX XXXX if everything was good and he said yes. I later found out I could have assumed the previous homeowners insurance for the same amount. So I proceeded and closed on the house XXXX. I get and email XXXX from XXXX XXXX and he said : 'I got this notice from the flood insurance that according to the comments on the elevation certificate, it appears the building may be floodproofed. Can you verify if is and get a copy of the floodproofing certificate? Sorry, but this is how this flood insurance goes '' So I now trying to track down a flood proofing certificate that doesn't exist. And now the annual policy is {$8200.00}. At that rate I would have never qualified for the loan, nor would I have bought the property. So now I am stuck and no one will apologize nor take any responsibility. Now I am stuck either paying {$8200.00} which I can't afford so I don't pay it. Next I get a letter in the mail from US Bank saying they are going to force coverage if I don't get adequet coverage. So I let them force coverage. But somehow they got the additional coverage for around $ XXXX {$2200.00} I don't have that amount readily available but its in that area. But still on top of the {$800.00} I paid for the other policy which is only partial coverage it is $ XXXX {$2200.00} more! Thats a substantial amount and I would not have qualified for the home because of debt to income ratio. No one has offered a solution to the problem and now I can't pay my mortgage and it is being forclosed on. I need help immedialtly or myself a single father with custody of my kids we are going to be homeless. 

Parties are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND XXXX US Bank Home Mortgage XXXX. XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, ND 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 2019-12-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had filed a dispute with " jeffcapsys '' that i had no knowledge of this account. On XX/XX/2019 they replied that the account information was correct and that is was going to stay on my credit report. I dont even know this company or who they are besides i never signed any agreements or documents ir contracts with this company so i would like this removed from my credit report. Besides theres 2 accounts with " jeffcapsys '' on my credit report with different amounts one for {$240.00} and the other for {$460.00} so i need these removed please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, 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.

15 U.S.C 1692b acquisition of location information by debt collectors.

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 2019-12-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is set for foreclosure on XX/XX/2020. The foreclosing Servicer is Select Portfolio Servicing. I had sent them a Qualified Written Request disputing some information concerning the loan as well as the foreclosure process as well as some further information on the payoff amount I requested. It seems that some previous forbearance and modification payments had been put in holding accounts and not processed towards the the Principle and interest ion the loan. 
In a response letter to me they requested that i deal only with the foreclosing Lawyer, XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX he informed me that they have nothing to do with the requests made and that they have no ability to address them. They only deal strictly with the foreclosure process. They informed me that only Select Portfolio would have to address these issues and they have not. 
So now I am stuck between a Servicer who won't answer my questions and refers me to the lawyer, and a lawyer who says it's not his job to answer questions about the loan, leaving without anybody to get answers from. 
My requests to Select Portfolio were for mediation to be held on this loan so that we may be able to meet face to face and possibly come up with a solution the issue. 
Are quest for proof that the foreclosure sale was posted in a timely manor to the XXXX county ga. legal sections. 
As well as a dispute as to why a modification was denied. 

Attached is the letter i got in response to my requests referring me directly to the foreclosing lawyer instead of answering my direct requests. 

I request that the XX/XX/2020 foreclosure date be postponed until this is settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation