BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Huntington Debt Holding LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Someone called me from XXXX XXXX ( on behalf of Huntington Debt Holdings ) about a debt that XXXX sent on a purchase that i had been reaching out to the merchant for a year about taking the product back. They allowed me 3 months for a return ( which they extended to 6 months later after i asked to return it ). I contacted them right after i received the product as there was XXXX XXXX on the mattress, the mattress was causing XXXX, and it looked used i had purchased this product using XXXX. I sent pictures to the merchant right after opening it, and they told me no one would pick it up due to covid and extended my return window. I called every month and continued emailing asking them to come get this mattress. They kept extending my return window and offering credits. I told them i dont want credits i want to return it. I informed XXXX  of this and told them ive been asking the merchant to come get it as per being allowed to return it. They never came to get it. 

a man from XXXX XXXX  called me, yelled at me, didnt let me speak, used intimidation tactics ( violating my FDCPA rights ) and then told me VERBATIM " we dont care what your reasoning is '' and that " Huntington Holdings '' does not care about my proof when i asked where i can forward my repeated correspondence. He then intimiated me by saying they will put negative remarks on my credit report if I refuse to pay it, despite me asking to provide the correspondence proof to Prove I had a return request in. Then he said " SO I HAVE TO LISTEN TO YOU THE WHOLE TIME ABOUT THIS? '' and hung up on me when i was providing dates, times and factual information that i can easily provide and asked him to stop talking over me, especially since he just threatened my credit and told me he doesnt care what my proof or reasoning is because lull cant help anymore ( which is false as this goes entirely back to them ). He also tried to say the debt was valdified because I made a few payments ( they collect multiple times a month at XXXX  ) before asking to return it. I told him this doesnt validify debt and he got really irritated that I was aware of my rights. 

He also accused me of having received paperwork that i NEVER received. In fact, before today, i had NEVER heard of this company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Santander Consumer USA Holdings 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 vehicle, a XX/XX/XXXX XXXX XXXX, was repossessed inXX/XX/XXXX. It was picked up by XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX Ga XXXX ( XXXX XXXX ). I was told I had a week to get the vehicle before it was sent to auction. I was unable to and the vehicle was no longer there when I came to get my belongings. I never received communication from Santander about owing them any additional money. According to Georgia Code - 10-1-36, they are required to notify me what the vehicle was sold for and that they are pursuing me for a debt. About two months ago, a company purchased this debt and claims I owe {$10000.00}. On my credit report, it shows three different amounts : XXXX XXXX  and XXXX  ( attached ). I do not understand how I could owe anything on a vehicle that went to auction and how I could owe three different amounts. I also was not told where the auction was held, so I was not even given the opportunity to get the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

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 2022-07-10
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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:
This new complaint is in reference to complaint # XXXX I called consumer finance on XX/XX/XXXX because the email be low said the company had responed Review the companys response to your complaint. 
The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone.Thank you for participating in our complaint process. This complaint is now closed. 
I could not open the complaint XX/XX/XXXX consumer finance customer service said would mail me a copy of the complaint response, it is XX/XX/XXXX sill havent gotten it. They read me the response said Hyundai Motor Finance agreed to refund my {$390.00}, I called Hyundai Motor Finance XX/XX/XXXX spoke to XXXX in customer service he said two checks {$290.00} and {$100.00} was mailed on XX/XX/XXXX. I still have not received any refund checks no email no text no phone call from Hyundai Motor Finance no communication at all, this issue started XX/XX/XXXX with me trying to get a refund on money Hyundai motor Finance owes me, I am a senior XXXX yrs old on a fixed income very frustrated and disappointed in the way I have been treated. I had to provide the documents to support my claim, Hyundai motor Finance has disrespected and used their power and control to dismiss this complaint as irrelevent. Im just asking for my money nothing more 2

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 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion multiple times in order to correct erroneous information found on my report. The first time they replied with a stall tactic email stating they did not believe the mail was from me even though I accompanied the mail with copies of identification and proof of residence. After sending multiple letters requesting that my personal information be updated and any other information taken off of their platform I was simply ignored. I am requesting this due to privacy reasons and the fear that my information will be used fraudulently. I have also requested the specific submittal of information on how accounts were verified, as in with whom, when, where, how contact was made. These request were also ignored. I have requested that if verification of these items can not be produced, then to removed them from my credit file immediately. This has also been ignored. The last round of letters I have mailed to Transunion were mailed out on XX/XX/2023 and USPS certified mail tracking shows that they were delivered on XX/XX/XXXX, and XXXX XXXX. These letters were sent out USPS certified mail and I am able to provide tracking. The credit reporting agencies have an obligation to consumers to report any and all information correctly and truthfully. Transunion has not been doing that for me at all, and has simple just ignored my request for investigation into these accounts. I have attached all documents sent to 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 2022-07-10
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was sent a Delinquent Real Estate Taxes letter from XXXX  County XXXX for unpaid real estate taxes for my property. I have called the mortgage servicer immediately upon receiving the notice. I have been asked repeatedly what the problem is and have repeatedly given all the information to them with each phone call and have been given the very same response every time that they will investigate and promptly pay the taxes. My bill was to be paid in XX/XX/XXXX and I am writing to you today on XX/XX/XXXX.

The Loan Servicer is Loancare, XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX.

After repeated phone calls for two months with assurances that I would be contacted as well as the delinquent taxes to be paid, nothing has been done. I am very frustrated and do not know what to do to resolve this issue.

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 2023-05-13
Company: Experian Information Solutions Inc.
State: PA
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 confidentially under XXXX XXXX XXXX. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
there is false and incomplete information being reported to my credit profile and I am running out of options. currently seeking arbitration. maybe a settlement is the last choice

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602States

i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my writing instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open and consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: OK
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 opened a dispute with Experian on XX/XX/2021 against XXXX XXXX XXXX, once I learned about a line/phone opened with XXXX XXXX XXXX XXXXXXXX XXXX The disputed case # XXXX. I filed a police report as well and submitted this with the dispute to Experian. I am still showing the account is in collections with XXXX XXXX XXXX  and that Experian deemed it accurate. This incorrect and I feel that Experian is not protecting me, even after going through the proper steps, I am still stuck with a bill from some fraud activity on my XXXX XXXX XXXX account. I did not do this and I need someone to help me resolve 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2023-05-03
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit Reporting act account is XXXX 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 purpose.

15 USC 1605B : Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.

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