BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-29
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I contacted XXXX XXXX Chrysler in regard to a purchase of a new vehicle. I went through the same process I would have anywhere else. The lender, Chrysler Capital, and the finance manager at the dealership requested a ton of documents as proof of income and I provided 12 month 's worth of Paycard statements, two years of tax returns, and all of my bank statements over the last 90 days. Along with all of my basic necessity documents to qualify for the loan. 

The loan was for {$35000.00} at 16 % interest and the payments were going to be 75 months at {$640.00} a month. The only reason the interest rate is what it is would be because of debts incurred waiting on unemployment and COVID related delinquencies. Again, waiting on unemployment and applying for thousands of jobs in all sectors because my resume is universal. 

I was told that because of my " self-employment '' that I had to be able to average out to {$5500.00} a month in pay in order to secure the loan. Well, if the interest rate wasn't 16 % the payments would be way lower. As I have never had a loan at that high of a rate for a car or a mortgaged home. 

While I understand what is transpiring here, I have a full background in finance. And I'm quite educated in what is going on here. 

I am a single female, making roughly {$75000.00} a year in self-employed income and I just got denied a loan for a car. So, they received all necessary documents to complete the process, that I would most definitely make with the intention to refinance. 

I find this loan process to be discriminatory, predatory, and an outright insult to make a XXXX-year-old woman out here independently on her own making her own money to not be approved for an auto loan. I shouldn't need a co-signer. And to top it all off, my credit is what it is due to decisions my government made causing massive inflation and debts that I would have resolved had I been employed ( jobs available ) and my unemployment was processed in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported this debt in XX/XX/XXXX when XXXX XXXX tried to collect on it and put this on my credit report. Complaint # XXXX. Now XXXX sold the debt to a collection agency, Mountain Run Solutions, who is now trying to collect on the same debt and threatening to put something on my credit report that is not mine. 

Here is my complaint again : In XXXX, XXXX, my husband contracted with XXXX through this XXXX XXXX for home monitoring alarm system. I was never party to this contract which by the way was for 60 payments from XX/XX/XXXX, was paid on time through the contract term and was on month to month after the end of the 60 months. My husband called them in XX/XX/XXXX and told them effective XXXX, he did not want to continue on month to month. They told him he had to sign something stating that he no longer wanted the services and they sent him something over electronically to sign stating this which he did twice after they claimed they did not receive it. The contract is over but they felt they had a right to continue to bill and a verbal was not enough. I never gave my social security number or gave any verbal agreement to be on this contract from the beginning. The signature or initials are not mine. I was not home the day this was done. This was entirely in my husband 's name. I called the company on XX/XX/XXXX when I discovered this was on my transunion credit report and they in fact told me this should have never been put on my report, that it was my husband who they put in collection on XX/XX/XXXX. I was not on the agreement. In fact, they offered to send a copy of the agreement which I am attaching. So how did they even get my ssn to place this? It's not on this agreement either. I repeat, this is very upsetting. To put something on someone's credit and then call it a utility company Resolution is that # 1, this is not my debt and take me off the collection. 
Resolution # 2, provide proof of payment history showing what was paid by my husband and when it became delinquent by him. 
Just sending a copy of a contract does not validate the debt being past due with no payment history. or proof of when it became delinquent. 

Also, is there something in the orignal debt that gives them the right to sell this debt to a collection agency? The original 60 month contract was fulfilled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % XXXX. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/XXXX. 

THE PER DIEM CAME TO MY ATTENTION AGAIN ON YESTERDAY WHEN I WENT TO SEE IF I COULD TRADE IT IN FOR A XXXX TO GET A CHEAPER RATE. XXXX XXXX STATED THAT SOMEONE SCREWED ME OVER ON THE PREVIOUS DEAL AND THAT I AM OVER {$24000.00} IN NEGATIVE EQUITY IN THE XXXX XXXX BECAUSE OF THE PER DIEM ON TOP OF THE YEARLY 8.25 % INTEREST RATE. 

I AM PAYING OFF THE XXXX THAT I PREVIOUSLY OWNED AND THE DEFECTIVE XXXX XXXX. I WAS CLEARLY UNDER THE IMPRESSION THAT I WAS CARING OVER THE NEGATIVE EQUITY OF THE CAR. 

IF YOU LOOK AT THE CONTRACT THERE IS NO MENTION OF HAVING TO PAY A DAILY PER DEIM FEE IN THE AMOUNT OF {$9.00}. I WOULD HAVE NOT AGREED TO THESE TERMS. IT IS THE SELLERS LAWFUL DUTY TO PROVIDE ALL COST THAT IS TO BE PAID IN THE CONTRACT. THE CONTRACT THAT I HAVE IN HAND DOES NOT MENTION, LIST, OR STATE DETAILS OF A PER DIEM. 

IN ADDITION I WAS UNDER THE IMPRESSION THAT XXXX XXXX WAS PAYING OFF MY XXXX XXXX XXXX AND I WAS GOING TO BE UPGRADED TO A XXXX XXXX XXXX, IN XXXX OF XXXX. AFTER HAVING THE CAR LESS THAN TWO WEEKS THE PAINT STARTED TO FAIL. THE CAR WAS IN THE SHOP FOR 28 DAYS. AFTER RECEIVING THE CAR BACK THE PAINT WAS STILL WITH DEFECT, IN XXXX OF XXXX THE SUNROOF FAILED TO OPEN AND CLOSE PROPERLY. I TOOK THE CAR TO XXXX XXXX WHO GAVE ME A RENTAL CAR WHILE THE SUNROOF WAS BEING REPAIRED. XXXX THE SALES PERSON STATED, " THIS CAR IS GIVING YOU TOO MUCH PROBLEMS. WE ARE GOING TO GET YOU OUT OF IT. '' BY XX/XX/XXXX, I WAS IN A XXXX XXXX XXXX XXXX. I WAS HAPPY WITH THE CAR BUT WAS NOT AWARE THAT THE DEALERSHIP HAD CARRIED OVER NEGATIVE EQUITY FROM THE XXXX XXXX, I WAS UNDER THE IMPRESSION THAT I WOULD BE EXCHANGING THE CARS BECAUSE OF THE DEFECT IN THE PAINT AND SUNROOF.

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 2020-07-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing mortgage with US Bank home mortgage ( based in Minnesota I believe ) and have been trying unsuccessfully for almost two weeks to get a payoff balance so I can extinguish the mortgage. Repeated phone calls get me passed from one person and department to another with no one able to provide me an amount or an address to send payment to. Promises of return information by email or phone have gone unfulfilled. Interest is continuing to accrue and I want to pay off this mortgage now.

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 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I have experienced some concerning the credit reporting activity within XXXX, offered by Capital One. 

I have reported my other issues with the CFPB. Now I see that : My address is reported inaccurately on my XXXX credit report. 
Please advise. 

I am growing more concerned now that I'm discovering inaccurate information delivered through XXXX XXXX via Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 am a victim of identity theft and there are items on my account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Nationwide Debt Reduction Services, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to resolve a payoff balance and speaking to employee XXXX ( last name refused ) at XXXX. Last communication XXXX/XXXX/19, XXXX with no response. On Wed XX/XX//19 he and I agreed on a payoff balance of {$5300.00} and he would send a written agreement to confirm. After not re ceiving the agreement I called back and spoke to XXXX ( last name refused ) on XXXX/XXXX/19 XXXX XXXX in Customer Service Dept. she informed me XXXX misinformed me because an additional fee to payoff my balance would be {$2500.00} in addition to the {$5300.00} I have pending payments of {$500.00} + {$2100.00} which will add to my current payment {$2600.00} = {$5300.00}, I was suggestive to personal insults by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureau keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681 b ( 1 ) the credit bureaus don't have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2019-05-09
Company: Ditech Financial LLC
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:
Ditech accepted a settlement offer of {$1900.00} in XXXX of 2018. We had to pay it by XX/XX/2018. I followed all directions as to how, where to send it, all. I have payment confirmation and signature confirmation they received payment in the XXXX of XX/XX/2018 by certified check. Ditech has payment received XX/XX/2018. We were told that the money was applied to regular payments instead of a payoff. They apologized but never got it straight. We were told due to conversion they were having problems. Told so many things. We have had continual problems since. All three credit bureaus have received negative reportings of 120+ days every month late since except one showed 90 days I think. We have contacted Ditech numerous times, almost monthly to get this straight. One month. XXXX was corrected, I think, that was all. We have documentation to prove, names, dates and times of phone correspondense. We have asked that the reporting stop months ago. We are still receiving calls, bills, and trouble with them trying to collect as well as the false reporting on the credit bureaus. Yesterday i was denied credit. My credit rating was badly affected. I filed disputes on two bureaus yesterday and will file the other today. Ditech should have this act closed, paid in full, and no negative reportings since settlement was accepted. Ditech has been contacted and told of this over and over and over for months! STill have not received title to property either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went on the XXXX XXXX XXXX XXXX website on XX/XX/23 and was able to receive reports from XXXX and XXXX, but was unable to obtain one from TransUnion. The prompt that I received said that I had already received the report, which I had not. 

It has been nothing but a nightmare ever since to try to get the TransUnion report. All they do is send me emails for me to sign up at a monthly cost to receive my report. I went through their website and made about 5 calls to get the report, but have not received it. 

They told me to go to service.transunion.com to get my report. I signed up for the website and was still unable to obtain the report. I called again on XX/XX/23 and was given the runaround again and still unable to obtain the report. While they kept me on hold for a long time all they kept asking me was if I was interested in paying for the monthly monitoring service. Every time I indicated NO, they kept asking me again and again if I want the paid monitoring service. 

I believe that they are purposely withholding the credit report that I am entitled to in order to force me to pay for my report as well as a monthly monitoring service that I don't want. 

All I want is my credit report from TransUnion.

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 2022-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balanced Owed XXXX {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation