BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
TransUnion is colluding with debt collection industry to manipulate credit scoring system to force people to pay. 
They even help debt collection agencies to collect debt by impairing credit scores without merit. This whole industry is dishonest under the pretense of representing credit scores for hard working people. 

I have tried to explain how the debt was an error and the company who sent me to the collection admitted to the billing error on the phone. The person was an agent of the company ; and must have not recorded nor rectified the billing. Thus, my case ended up in the collection. The company is a large telecom company and I have no way to substantiate the evidence. 

Regardless of what the issue is : credit rating companies hand in hand with debt collection agencies is morally and ethically wrong. I ask CFPB to look into this and see if there needs to be a review of the regulation on such regard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been harassed for years by Rent Recovery Solutions LLC. I have disputed the matter as this is a fraudulent account. I have contacted the consumer to have removed continuously being hung up on and threatened. I have had it removed from the XXXX and also the XXXX report but for some reason, they will not remove this account from XXXX. It has cost me several hundreds of dollars trying to have removed. And it is causing me issues with housing. Please help as this is my last resort. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, never gave ChexSystem any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account :

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 2022-11-23
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : 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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the 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 explanation
Consumer complaint received 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple Hard inquires that I do not recognize and I did NOT give authorization any of these hard inquires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 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 take 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 explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA.

Transition is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 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 2023-04-04
Company: W&A Intermediate Co., LLC
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: Information belongs to someone else

Complaint:
I checked my credit and saw three medical bills reporting from XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$660.00} ; one account from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in the amount of {$720.00} and one from WAKEFIELD & ASSOCIATES from XXXX XXXX XXXX in the amount of {$680.00}. 

These are all incorrect as I have been in and out of XXXX  and have been homeless, something I let the triage nurses know prior to services rendered. I completed the financial assistance forms to ensure services were covered. I am very surprised to see these bills reporting to my credit. I never received any correspondence about these debts or how to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I leased a new XXXX XXXX in XXXX of XXXX. With my lease I also purchased a Dent and Wheel protection plan through XXXX. My original monthly lease amount was going to be {$120.00}, but the protection plan fee was added to my lease, so my monthly lease payment became {$150.00}. A few months later, I found out that I was originally sold the wrong plan ( due to the type of wheel ). XXXX resolved the issue by cancelling the plan and giving me a {$500.00} refund. Meaning, I kept paying the XXXX till the end of the lease. I accepted the {$500.00} settlement. So far so good. 
The problems started afterwards. At the end of the lease, in XXXX of XXXX, I requested an extension on the lease from Kia Finance, and I received it. At that time, I was told by a Kia Finance agent on the phone, that due to their computer system, they can not change my payment to {$120.00}, and I would have to keep pyaing the XXXX, eventhough I did not have the Dent and Wheel protection plan anymore. They told me on two separate occasions, by two different agents, that I would get a refund of {$180.00} for the overpayment at the end of the 6 months extension period. One of these agent 's name was XXXX. 
XXXX months of {$30.00} overpayment results in about {$180.00}, Therefore, I kept paying {$150.00} monthly for 6 months, and requested the {$180.00} refund at the end of the lease. I called several times and talked with different people about my refund. My call was always transferred from ane person to the next, I was put on hold for long periods of time, such as XXXX minutes, but no one seemed to know who was responsible for refunds. Eventually, I spoke with XXXX, back in XXXX, who told me that I would not get a refund. When I asked why, she put me on hold for a long time, for doing research, and eventually she coud n't give an explanation. Just said that my account was not due for a refund. I asked to speak with a supervisor. She said she was the superviror and that her supervisor was not available. I also mentioned that I wanted to write to Customer Service. She told me that even if I contacted Customer Service by writing, the letter would come to her and she would deny my request.

Kia Finance Attn : Care Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Even though, this is about a {$180.00} refund, I feel that I received an unfair treatment from Kia Finance . Also, the same problem could happen to someone else, who might lease an expensive car, therefore lose more money in the process, than I did.

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 2023-04-11
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX... 


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 explanation
Consumer complaint received 2019-07-16
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/18 I found a car online I wanted to buy. I did the credit application online and was approved for the 2015 XX/XX/XXXX XXXX for {$19000.00} So I drove 2 hours to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXin XXXX, NY. XXXX asked me to refill out the loan paperwork. He said I was not approved. XXXX said he would try other loan companies. Hour later said he couldnt get me a loan for the car I wanted but said if I got a cheaper car I could get approved. He had a XXXX XXXX with XXXX for {$14000.00}. With {$3100.00} down payment He said just get this car for now and trade it in in 6 months. 3 hours later I said okay. We get to the finance managers office and i sign paperwork for the amount and then he says I have to do the finance online. He sits in front of the computer and is scrolling and explaining. He says I have to get the {$3000.00} extended warranty or I cant get the loan. I said okay. Finally He says okay done Ill get the paperwork copies and bring them out to you. XXXX puts them in the glove box. 5 months later Im ready to trade the car in and I look at the paperwork it says I owe {$10000.00} more than the sale price. It said I bought the car for over {$21000.00}. Ive called for months trying to get them to fix it but they wont. The car wasnt worth {$21000.00} when I bought it. They committed fraud and violated the truth in lending act. The payments are hurting my family and ability to buy a home. Please help.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Account # XXXX, has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 I.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instruction.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-06-21
Company: EQUIFAX, INC.
State: OK
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. 

The letters are stated with items and issues. 

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 2023-02-12
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, We believe Discover discriminated my refinance cash out application due to me being under Deferred Action for XXXX XXXX. 
We received an offer for a refinance my home and take out a sum of money at a lower interest with out any closing costs. This was letter I received from Discover my credit card company. 
I got in contact with them using the number in the letter and proceeded to refinance my home. I received the first communication from Discover on XX/XX/2022. They told us to send our government issued ID 's along with other documents to determine our eligibility. The agent representing Discover was XXXX XXXX XXXX XXXX ID XXXX. We provided all the documents listed in their communication and by XX/XX/2022 we received our Revised XXXX XXXX. 

Loan amount was {$300000.00}. ( XXXX cash out ) Interest Rate 3.49 % Monthly principal and Interest payment of {$1300.00} This was a 30 year traditional loan with an estimate escrow of XXXX for an estimate total payment of $ XXXXmo The closing costs were covered by Discover according to their offer in the mail and their marketing special at the time. Only initial escrow payment was to be paid at closing. 
After all the financial and eligibility information was provided to move along. They took months to get the loan approved. They would place new documents required to and hassles and obstacles that we would never be informed of. It would not be until be logged into the site that we would find out about documents we were promised we will be informed via email or phone call. It was not until XX/XX/2022 that we received a loan decision. A loan decision was made yet the communication was blank. No reason was provided and at this point we called to get some one to help. They informed us at that time that my eligibility was in question and because I am XXXX our loan was denied. This was not explained in their mail letter nor the disclosure documents on the site. By this time Interest rates were no longer the ones in XX/XX/2022 and they deprived us of a great opportunity. To me this was done in discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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: Information belongs to someone else

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.

has violated my rights. Or a 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief