BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
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 ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Real Time Group, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've personally being trying to resolved this issue for close for a last year now. I am becoming fed-up and I have no idea what to d. It has to be something you guys can do. My ex husband default on a loan that I personally am not responsible for. We filed a XXXX of XXXX on XX/XX/XXXX. On XX/XX/XXXX, I granted and assigned any all interest of real property regarding XXXX XXXX  XXXX XXXX, XXXX, OH XXXX through a Quick Claim Deed to XXXX XXXX. According to my credit report it appeared that XXXX started defaulting on this loan sometime in XXXX. After granting all responsibilities as well as XXXX XXXX it appears that XXXX XXXX Resolutions will not honor that I have no involvement with this debt. 

In fact this creditor is reporting this debt as open only on one credit bureau XXXX, just so they can continue report monthly pass due amount. I find it strange that XXXX  has the account closed, I don't even know how that is even possible that they can report it open on one and closed on another damaging my credit month in month out. I thought I read something somewhere that states that all information should report consistent and accurate. At this rate this will never get off credit report as along as this Creditor keeps reporting open on XXXX. I feel like I'm doing jail time for someone else default I've been going back in forth tryin to get this issue resolve with no avail. My most recent letter was sent on XX/XX/XXXX as of today XX/XX/XXXX. I have not receive any correspondence with this issue. I've been trying to move on with my life and have the legal proof to prove it but this creditor refuses to honor and do the right thing. I have attached my most recent letter to the creditor below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
See Attached Files Tracking # : Initially sent an official Opportunity to cure pertaining to accounts reporting on my account without permission. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my privacy and confidentiality under 15 USC 1681. XXXX  XXXX, Has violated my rights. XXXX Has Violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A 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 permission/ instructions 15 U.S.C 1681C ( a ) ( 5 ) Section States no consumer reporting may make any consumer report containing any of the following items of following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years

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 2021-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy on my equifax that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my XXXX  that is not mine i have been disputing this since two years ago!!!! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 at around XXXX XXXX my XXXX card was declined after I tried to purchase goods and services from another merchant that is selling equipment and furniture for my business. Immediately after, my credit limit status was changed from " no-preset limit '' to {$4700.00}. When I called that same day, I was told by several representatives that this desicion was made by their system because they believe that this merchant shares an " affiliation '' with me and that this transaction violates their merchant agreement. They stated very vaguely that an affiliation could mean an association or relationship between me and the merchant that relates to the business. However, there is no merchant agreement that would state this policy nor is there any mention of this process on the cardmember agreement that I signed and received. This policy was never stated or mentioned in any of the terms of service, agreements or documents that I signed and agreed to when I first submitted my application. I was informed by the last representative on XX/XX/XXXX that I would receive a phone call from their supervisor within 24 hours, which never happened. I called again on XX/XX/2023 at XXXX XXXX and was told by a supervisor that my only option was to speak with customer service. The representative gave me a link to the digital copy of a XXXX cardmember agreement, which does not specify anything about this " merchant agreement '' policy, nor that they do not allow certain transactions between cardmembers and merchants who are affiliated with eachother in some way. Additionally, the US cardmember agreement fails to mention anything regarding merchant affiliations with cardmembers or " merchant agreements ''. 

Lastly, I spoke with a customer representative again at XXXX XXXX who then transfered me to XXXX XXXX of the financial review team. I kindly asked her to show me this policy and she repeatedly refused. She stated very adamantly that she does not have to provide me with any information, and that neither she nor American Express will disclose any part of this policy to members and applicants in their cardmember agreement and terms at any time during the application process and during our membership with the card. 
She also stated repeatedly that this is their " process '' and that nothing will change. 

American Express failed to provide me with their full terms and conditions before I signed their agreement, and XXXX XXXX of the CRAT department also refused to provide me with the full terms and conditions of the cardmember agreement despite repeated requests, and would not read the written terms. XXXX also failed to specify clearly what this affiliation is and refused to resolve my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. 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 an account without my written instructions.

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

Furthermore, how can you consider my account late as the last payment dates are totally different from each other to all 3 bureaus.

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 2023-09-03
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a legal name change and removed my middle name XXXX XXXX. XXXX, XXXX, Equifax are still reporting the old information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/dept of ED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase without warning, explanation or help resolving stopped sending me the text message codes to access my account. For over 3 weeks I have not been able to see where my money XXXX XXXX XXXX is. They will not contact me XXXX other than automated emails ) in a meaningful way and have not resolved this situation. I believe they stole my money. I simply want to sell and leave this terrible ordeal behind me. I was under the impression that because they were a publicaly traded company that there was some oversight but appears they can behave fraudulently without XXXX and get away with it. There are many complaints and a lawsuit in regards to this behavior. I wish I knew this before I used their exchange. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Genesis FS Card Services, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received another call today from this company, they left a voice mail. They called at my home number both this time and in the past. They called at XXXX XXXX  on XX/XX/2022. Their call back number is XXXX. The called ID number was XXXX. The keep calling about a " Milestone '' account. I do not, and have never had an account with them and they have been unable to find me in their system by social security number. I have called them multiple times now and each time the agent says it is a mistake and they will remove the number but I keep getting calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter in the mail that my Business account and all my credit cards will be shut down. I know have to look for another bank and start a new account and get approved for credit cards. This will be a major issue as we have payment and going every day out of our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My leased XXXX XXXX XXXX was involved in a total loss accident. My insurance company XXXX got all the paperwork together and sent all necessary documents to Hyundai Finance who manages my lease. The accident occurred on XX/XX/XXXX and the paperwork was submitted on XX/XX/XXXX. Despite 5 phone calls and numerous emails, Hyundai Finance is refusing to supply XXXX Insurance with the letter of guaranty and copy of title. I received a letter from Hyundai Finance on XX/XX/XXXX stating that " monthly payments are not required after the date of loss '' but I'm still getting billed by Hyundai Finance to make lease payments. After calling twice to Hyundai Finance and speaking to two supervisors on XX/XX/XXXX, they hung up on me after promising to " escalate '' the situation and look into the matter. The first supervisor 's name is XXXX XXXX XXXX employee id XXXX - he refused to give his last name ) and the second supervisor did not give his name. They have no explanation for why they aren't sending the requested documents to my insurance company, and meanwhile, I'm being charged to pay for a lease on a totaled car that I'm not driving. When I ask Hyundai Finance why the requested documents haven't been sent and if I can speak to someone in their department, their response is " all we can do is send them an email request and there is no to physically speak to. '' After I called the number at the bottom of the attached letter, the supervisor said he was going to look into my account and ended up hanging on me. 

I feel there is definite fraud going on here. They won't send the documents to my XXXX insurance company so they can get paid the car value check, and they won't close my account. Meanwhile, I'm still being billed for payments and having my credit report threatened even as they send me correspondence saying I don't have to make any further payments. 

Please help! I just want Hyundai Finance to send over the letter of guaranty and close out my account. My complaint is with Hyundai Finance who seem to be behaving in a fraudulent manner.

Re : Hyundai Finance Account Number XXXX

Company response to consumer: Closed with explanation