BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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 2018-04-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
COLLECTOR KEEPS CALLING MY DADS CELL PHONE AND FAILED TO VALIDATE, NOW MUST CEASE AND DESIST COLLECTION EFFORTS I AM DEALING WITH ORIGINAL CREITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2019-01-22
Company: HYUNDAI CAPITAL AMERICA
State: PR
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:
My lease with XXXX XXXX terminated in XX/XX/2017. I turned the vehicle in on XX/XX/2017. The remaining 2 payments were made. There was to be a termination fee charged if I did not lease another Hyundai within 30 days. We moved to XXXX XXXX on XX/XX/2017 and my intention was to lease a Hyundai immediately. As you may be aware, hurricane Maria struck XXXX XXXX on XX/XX/2017. It was physically IMPOSSIBLE for me to lease another vehicle within 30 days. Dealerships were closed, power was out for months, etc., etc.. XXXX XXXX was notified of the situation and they just did not care. They insisted I pay the fee. I refused based on the circumstances. I filed a formal complaint with XXXX XXXX ( # XXXX ). Hyundai basically said the hurricane was not their fault and they would never waive the fee. My credit score went from being in the 830-850 range all of my life to the low 700 's. I feel at best they should have shown some compassion and waived the fee and at worst they should not have attempted to ruin my perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX IS IN WILLFULL VIOLATION UNDER 15 USC 1681e - COMPLIANCE PROCEDURES. EQUIFAX HAS BEEN GIVEN PROPER NOTICE OF THEIR VIOLATI ON AND CONTINUE TO PLAY CHILDISH GAMES AND PROLONG THEIR GRAVE DUTIES AND OBLIGATIONS. EQUIFAX WAS REQUESTED TO EXERCISE THEIR GRAVE DUTIES AND FCRA OBLIGATIONS UNDER 15 USC 1681a(1)(2) - EXCLUSIONS -- AND REMOVE ALL TRANSACTIONAL ACCOUNTS THAT CONGRESS HAS DEMANDED BE REMOVED UNDER THIS PROVISION. UNDER THIS PROVISION. EQUIFAX HAS INSTEAD SENT A LETTER STATING THAT THEY COULD NOT VERIFY ME WHEN IN FACT IT IS A STALL TACTIC BECAUSE EQUIFAX WAS GIVEN PROPER VERIFIABLE DOCUMENTS LIKE MY LICENSE AND A BILL. EQUIFAX IS CHOOSING TO NOT PERFORM ITS DUTIES WITH REGARD AND RESPECT TO THE CONSUMER AND IS WILLFULLY VIOLATING FCRA REQUIREMENTS. EQUIFAX HAS ALSO COMMITTED FRAUD BY FURNISHING TRANSACTIONAL ACCOUNTS THAT HAVE BEEN CHARGED OFF AND WRITTEN OFF WHICH IS AGAISNT FEDERAL COURT CASE LAW RULING Mund v. Transunion Persinger v. Sw. Credit Sys WHERE IT WAS RULED ACCOUNTS THAT HAVE BEEN CHARGED OFF SHALL NOT BE REPORTED FOR THE DEBT NO LONGER IS OWED BY THE CONSUMER. EQUIFAX HAS STATED THE ACCOUNTS MEET FCRA REQUIREMENTS SO I DEMAND EQUIFAX PORVIDE SUCH REQUIREMENT STANDARDS IN RELATION TO 15 USC 1681a(1)(2) AND 15 USC 1681e. EQUIFAX IS AN ELABORATE MECHANISM THAT ASSUMED ITS ROLL TO REPORT NEGATIVE TRANSACTIONAL INFORMATION ON MY CONSUMER REPORT THAT CONGRESS DEMANDS NOT BE REPORTED AND HAS ALSO COMMITTED FRAUD BY REPORTING COLLECTION INFORMATION WHICH IS ALSO A VIOLATION UNDER THE FCRA AND FEDERAL COURT CASE LAW AND CLAIMS IT MEETS FCRA REQUIREMENTS IN HOPES TO TRICK AND LIE TO THE CONSUMER AND C.F.P.B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I input a complaint thru CFPB in regards to Selene Finance Company adjusting payments made to my mortgage that have not been applied. I opened a previous case regarding this issue and received a letter from the company stating that the payments will be adjusted in 60 days, that was in XX/XX/2022. Since I have not heard from them so I called and was told that they have not adjusted the payments and didn't see any notation of doing so, but that I am now in Foreclosure. The previous case number is XXXX. Selene has not responded. This is an update for case XXXX which was closed on XXXX XXXX XXXX. Please see attached correspondence to Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX, BEST B XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID ( job loss ) received a forebearance but made payments ( not full amount but whatever I could ) loan amt $ XXXX is interest only adjustable rate. Found out that Servicer automated payment system should not have allowed meto make the random payments but did and all funds were put in an escrow bucket.On XX/XX/ 2022 recd letter stating there was a deficient balance of {$27000.00}. XXXX XXXX, 2022, escrow analysis showing refund due of {$18000.00}. On XXXX XXXX, 2022 I recieived repayment agreement increasing my monthly interest only payments from {$11000.00} to {$2300.00}. XXXX XXXX, 2022, sent a reply requesting a repayment more agreeable to my financial situation as this amount will create a deeper financial hardship. Denied. Was unable to make 2 of these payments ( XXXX and XX/XX/2022 ). Late XX/XX/2022 involved in HIT and Run was hospitalized left me unable to function could not work. Not at my current postion a year denied FMLA. Contacted lender to request help with my payment agreement due to my injuries, advised that the agreement must go into default and then I can request another one but no guarantee and if I do default then COVID protection of foreclosingwill no longer be active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 following companies listed below have violated my rights as a consumer.

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 1. XXXX XXXXXXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. 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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am a few payments behind on my Capital One card ending in XXXX. I chatted with an agent online and explained my situation and they were very nice and set me up on a financial hardship plan that would lower my monthly payment and reduce the interest. I was not told when to pay so I waited for something in the mail. Nothing ever came. So today, I logged in and my payment still showed the same so I chatted with another rep and was told I was on a payment plan through a " 3rd party debt management '' - and gave me a different ph # to call. I called that ph # and spoke to an account manager and was told no, we have no record of anything set up for you. So I went back to Capital One and chatted with yet another rep and told them that and they again told me to contact my " 3rd party debt management ''. I have never had a 3rd party debt management!!! I don't know what they are talking about. So I asked how do I get a copy of the original chat transcript from a few weeks ago. I was told that is not possible. SERIOUSLY? I did not imagine this. I want a copy of that transcript as proof that I DID contact Capital One for assistance and was put on a payment plan .... but nobody seems to see that or know what I'm talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Dear TransUnion, I am writing to follow up on my dispute regarding the misleading information on your website and the unauthorized payment attempt on my credit card. I appreciate your response that you have received my dispute and that you will take 30 days to investigate. 

However, as stated by the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand a response within 30 days. I am requesting an immediate resolution of this dispute, as the misleading information on your website, the unauthorized payment attempt on my debit card, and personal information dispute have caused me great concern and inconvenience. 

I hope that TransUnion takes this matter seriously and takes immediate steps to resolve this issue. I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I expect that TransUnion will take all necessary steps to rectify this situation as soon as possible. 

Thank you for your time and attention to this matter. I look forward to hearing back from you with an update on the resolution of this dispute. 

Sincerely, 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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with transunion, XXXX and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2018-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On XX/XX/2018 I received an updated credit report from XXXX   and XXXX and noticed Capital one is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a Capital one representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I appreciate the cooperation of the Experian Credit Bureau for removing all but XXXX remaining fraudulent inquiry. But I can't say the same with XXXX and XXXX Credit Bureaus. While the XXXX XXXX have removed all the previous fraudulent inquiries, these specified inquiries here were unattended, and it gives me concern that they have stopped their responsibility in mainitaining my XXXX credit report clean, so I am requesting that the bureau itself provide me a written reason WHY I haven't seen any deletion after the first good one? And the MOST concerning issue was with XXXX, WHAT WAS HAPPENING with the bureau that it neglected its obligation to my XXXX Credit report? This was unbecoming of the bureau in its entirety itself. Kindly please make sure the XXXX Credit Bureaus, especially the XXXX and XXXX to remove these fraudulent inquiries, to fix my credit reports fraudulent issues : EXPERIAN 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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion : Does not provide a way to get a free credit report. 
I have a notice from a bank with questionable information reported by TransUnion -- and they require you join a membership for a fee of {$7.00} to get a credit report. There are no links or information on their website about getting a free report -- whether the annual one or in  response to an event. 
There is no way to effectively content them to request one, either. 

In an effort to get to my report, I tried going to the File a complaint section to dispute something. The text on that form was so exceeding small I was barely able to read it -- and the construction of the site -- miniscule 6 point text crammed into a box with tiny little boxes to enter data -- was designed to ensure no one could actually complete the form. 

I work in XXXX XXXX XXXX -- having worked on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- and I can attest that these are all active executive decisions -- type doesn't just show up unreadable and forms unusable. This is a passive aggressive strategy to discourage and disable people from correcting errors on their credit reports. 

Also -- the forms and websites are in violation of the Americans with Disabilities Act. 

XXXX  : Does not provide a free credit report Although there is a method of requesting the report, once you complete all the information, you get a message that they can't produce it at this time. You're at a dead end, and advised to call customer service. 
I've been on hold with customer service for over an hour. 

XXXX  also offers to provide all 3 agencies ' reports -- but offered no way to do that within the online interface -- so that's just false information.

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 2023-02-13
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XXXX/XXXX/22 to JC Penney regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme XXXX. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. Also, due to covid, I was on deferment so there should be no late reporting per FCRA. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent 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