BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
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 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 2023-10-16
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to SHELLPOINT MORTGAGE XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MS
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 account XXXX In accordance with the fair credit Reporting act XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1666B : A creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

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 2023-01-13
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
There has been an issue with Hyundai Finance and local customers. When a customer leases a car through them and a total loss happens, when the value of the car is less than what is owed, GAP comes into play. When the market value is more ( which is happening recently ) than what is owed on the contract, they say it's just their practice to take the whole current value and not return what is due to the customer. Insurance even stated that this should not be occurring. Our legal contract says that the standard formula will be used to calculate the value which uses the difference between current market value and residual value of the vehicle based on what is remaining in payments and payoff of car at term. When I went to the sales office in XXXX yesterday ( XXXX ) to speak to the finance XXXX, he said their actions were wrong and he has heard that Hyundai Finance has been doing this recently to consumers in the area. In fact, he had specific occurrences of customers that they did this to including a XXXX employee. What are the next steps in having this investigated? 

I've attached the contract where it states in # XXXX that in the case of a total loss, that the standard formula will be used to calculate the value owed on car. This is listed in # XXXX. XXXX has decided to capitalize on the current market and punish the consumer which my contract does not state can happen. When speaking to the financial XXXX, XXXX, on XX/XX/ after a month of calling and awaiting a return call, she states that this is just their standard practice and she could not find any lingo in the contract stating this was acceptable. They violated my contract on the car.

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 2023-06-11
Company: Experian Information Solutions 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-06-07
Company: Experian Information Solutions Inc.
State: AR
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:
I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : 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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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:
Late yesterday evening my so had a XXXX issue checking in for a XXXX XXXX to XXXX. Was directed by XXXX agent to call a number to fix issue. Was told by " XXXX XXXX XXXX " person to pay a ticket change fee. My card was charges {$690.00}. I tried to contact XXXX challenge change fee. They said they don't charge change fees and agent shouldn't have told son to call any number. Said it was a scam. I called Chase who would not stop the charge. Told me to dispute after it posted. Then they would not reimburse my money or go after the Fraudulent vendor. This is apparently a common scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XXXX of this year, our mortgage payment brought our mortgage balance below the 78 % LTV ratio of the original appraisal amount that our mortgage servicer lists in their contract and on their website as the point at which PMI will be automatically cancelled for all loans in good standing. I called earlier in the year to confirm the amount the loan needed to reach and that this was an automatic process. In XXXX, however I noticed the servicer was still deducting the PMI fee from our escrow. I called and emailed via their secure message portal to let them know this was still happening and to remove the PMI. One month later the fee was deducted yet again. I again called and they told me I must email a scanned copy of hand signed letter with my request, despite it being publicly noted that the PMI removal was an automatic process. I was irritated but complied, and received no response. In XXXX, the PMI insurance was yet again deducted from my escrow. At this point, I do not know how to have this stop. I have tried no less than 5 times to have this monthly fee removed for something that is supposed to be automatic. I fear reducing my monthly payment by the amount I should no longer be paying as I suspect they will say I am in default. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: OneMain Finance Corporation
State: MO
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:
I received on my email that an inquiry was placed on several of my credit reports with XXXX, XXXX, and XXXX on XX/XX/2023. And I placed a Fraud alert freeze on my identity. Some how my XXXX was compromised so I went online to the credit report agencies besides XXXX they wanted me to pay to place a fraud alert and a freeze hold on my account. One main Financial placed a hard inquiry on all 3 of my credit reports when I didnt request a loan. My XXXX  devise was compromised. Please have these credit report agencies to remove this fraudulent hard inquiry off my report. These credit report companies work and promote these loan companies. So that this affects your credit so that a hard working consumer is taking advantage of lower the score to hit them with a high interest rate. I feel they should of contacted me before a inquiry was made. This was a identity theft devise that a hacker tried to get a loan on my behalf. Please assist on having this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, Experian XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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

These addresses do not belong on my credit report 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 2023-05-01
Company: DISCOVER BANK
State: GA
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:
On XX/XX/XXXX, 2020, I entered a consumer credit transaction with Discover which I extended them credit. Discover never provided adequate notice which clearly and conspicuously mentions the pertinent facts of the transaction. The term " adequate notice '' means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a consumer against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Since the adequate notice was not given. I couldn't understand which is a violation of 15 USC 1602 ( k ). Further, a consumer must be aware of the cost of transactions. Since I was not aware of the transactions therefore I made an uniformed decision and it resulted in multiple billing errors and unfair credit card practices. According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use from which the cardholder receives no benefit. From Discover 's end, I have not benefited from this transaction which is a violation of 15 USC 1602 ( p ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my checking account as inactive. It has nearly {$18000.00} on deposit, over {$1000.00} auto deposit monthly from XXXX XXXX, and several monthly auto payments. I have tried to email and call from XXXX using land line and appropriate codes yet only get busy signals and email is rejected. The communication problems are identical to previous complaints but the closing of my account without warning or explanation is outrageous. This is an emergency.

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 2023-05-01
Company: DISCOVER BANK
State: GA
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:
On XXXX, 2020, I entered a consumer credit transaction with Discover which I extended them credit. Discover never provided adequate notice which clearly and conspicuously mentions the pertinent facts of the transaction. The term " adequate notice '' means a printed notice to a cardholder that sets forth the pertinent facts clearly and conspicuously so that a consumer against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Since the adequate notice was not given. I couldn't understand which is a violation of 15 USC 1602 ( k ). Further, a consumer must be aware of the cost of transactions. Since I was not aware of the transactions therefore I made an uniformed decision and it resulted in multiple billing errors and unfair credit card practices. According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other the cardholder ( consumer ) who does not have actual, implied, or apparent authority for such use from which the cardholder receives no benefit. From Discover 's end, I have not benefited from this transaction which is a violation of 15 USC 1602 ( p ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX LVNV FUNDING LLC Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX  XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with XXXX and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to  10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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