BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: FIRST CITIZENS BANCSHARES, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Original account was under XXXX XXXX and was taken over by another bank, First Citizens bank in XX/XX/XXXX. Owner of account, elder man, suffered from personal problems and was not able to setup login to be able to receive statements after transition. His accountant/representative was asked to reconcile the bank for year end XXXX and had to get access to the online banking. Rep found ACH debits every month, {$1600.00}, since XX/XX/XXXX. The accountant called the bank, XX/XX/XXXX to notify that the transactions are not legitmate. Client was asked to contact the vendor but vendor is a property management company who can not help. Rep called bank again and was instructed to go to branch for assiatance, and was told by brance to file claim and that bank will be able to recoup money from XXXX through XXXX total {$6600.00}. The previous {$3400.00} can not be reversed. File was submitted on XX/XX/XXXX. On XX/XX/XXXX letter received from ACH Dept saying investigation was done and no money can be recouped as the 60 days had passed and there was no discrepancy found. Called bank again on XX/XX/XXXX talked to supervisor to refute the " no discrepancy statement by bank ''. Docs sent by bank that shows name of person that originated the ACH, is not any way related to the account holder, not a signor or authorized user. There was nothing to relate the transaction to the accoutn holder. The only debit that comes out of the account are checks that are written and signed by accoutn holder. No atm transaction are ever made. There was no notice of any ACH authorization request received from the bank before the amount was taken out, to notify the account holder that there is a questionable transaction that was made. Bank claims that account holder should have reported the fraud within a certain amount of time. We feel that they, as a banking institution and member of NACHA should protect their clients as per NACHA rules and requirements. They should have gone through strict due diligence as to their ACH transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My brother informed me that he was contacted and harassed by a debt collector. Then I had an other debt collector sending letter for the same reasons. Two debts are contacting for the same reasons. It it overwhelmed with this situation. It is old debts and it is expired a long time ago, but I am still being harasser with phone calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX XXXX XXXX   XXXX {$100.00} XXXX  XXXX {$7700.00}

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 2023-11-23
Company: EQUIFAX, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ive already contacted Hyundai multiple times regarding this issue, I had a new checking account and updated it with them. However, they kept using my old checking account through with drawls, which then locked my account, and I can no longer make payments over the phone or online. 

This has made me late for more than three weeks now and I cant process a payment. I contacted customer service agents who are charging me XXXX dollars to make a payment and refused to waive any of the fees even though this has never happened to me. Ive spoken with for agents none of which were able to accept my payment over the phone.

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 2022-08-11
Company: Experian Information Solutions Inc.
State: MD
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:
I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX XXXXXXXX ID # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX  account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I'm planning to refinance my HELOC with another bank. I have requested a payoff statement from Truist Financal Corporation 3 times via written request ( XXXX XXXX XXXX   ) and once via phone XXXX  I was told on XXXX  that the previous requests were rejected and a statement could be mailed. As of XXXX  no statement has yet been received. 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 2018-09-15
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
To whom, It may concern. I owed XXXX XXXX XXXX XXXX last year. We agreed on a payment plan of XXXX USD per week and I also told them I will pay them in full upon sale of my primary residence. The loan was unsecured consumer loan. I made payments of XXXX to them, which was more than the agreed per week. American Express however hired XXXX and XXXX XXXX. A firm with a very bad reputation. XXXX on behalf of XXXX XXXX XXXX filed a judgement over me and won without ever serving me a summon and complaint. As a result my Bank account was frozen even though 90 % of deposited money in the account was from wages. As a result, I have no money to feed my kids and even go to work. This now might result in me going delinquent on my mortgage and loss of equity and property. Please Help me. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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:
Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCB Management Services, has violated the fair debt collection practice act 15 U.S. Code 1692g ( a ) ( 3 ) ( 4 ) Validation of debts. In their initial communication they did not provide a statement notifying me of my right to dispute this alleged debt. Their violation of the FDCPA has caused me grave injuries and damages, Per Frey v. Gangwish, 970 F.2d 1516 ( 6 '' Cir. 1992 ). The FDCPA is " an extraordinarily broad statute '' and must be enforced " as Congress has written it. This company NCB Management has harassed me about a dent in the amount of { {$1100.00} } I have asked them not to harass me call nor send me emails and they continue to do it they also said that my debt will continue to harm my credit until I pay them which I do not owe them. I have never get a loan or credit card from this company and I don't even know who they are or where they are located. Ive never have/had any contracts with NCB Management .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submit this compliant for myself and myself only I am a victim of Identity Theft I have attached the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
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 you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 2023-01-18
Company: Telsa Motors Inc
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, my wife and I ordered a Tesla XXXX XXXX with an anticipated delivery date of XXXX XXXX. However, we were initially excited to learn that our delivery date had been moved up to mid XX/XX/XXXX. While we were excited, we needed to figure what to do with our currently leased vehicle which was not due back until XX/XX/XXXX. Furthermore, as we saw in the news, Tesla was looking to complete sales by year end we were offered an " incentive '' to take delivery before the end of the year. The " incentive '' was {$3700.00} ( which went up to {$7000.00} a week after we took delivery of our car ). With that being said we were somewhat disappointed we were not offered the {$7000.00} " incentive. '' Fast forward to Friday XX/XX/XXXX, and we come to learn that our vehicle 's price had now dropped from {$64000.00} to {$55000.00} ( plus tax ) nationally. Since then I have made two phone calls to Tesla to express my frustration and feelings of being defrauded by the company. The 2nd phone call I waited 2.5 hours on hold just to speak to a representative. Both representatives ( XXXX XXXX XXXX XXXX XXXX - In-Bound Team XXXX Region ) explained that there is nothing that they can do and they understand my frustration. Nonetheless, I feel as if this " incentive '' scam was an effort to milk as much money out of customers before the prices would change in less than 30 days. Even more frustrating, after a review of my paperwork, I could have delayed picking up the vehicle for 30 days without penalty ; and since my delivery date was XX/XX/XXXX, I could have delayed picking up my vehicle and fallen under the new pricing. 

While I do understand that prices change, this effort to " incentivize '' customers to take an early delivery of their car so they could make more money from my family, feels like a complete scam. When I asked how this creates any type of brand loyalty, both representatives were unable to answer my question with any honest sincerity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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:
According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXXXXXX XXXX Account # : 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 2020-04-16
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: Account status incorrect

Complaint:
All my accounts are current yet my credit score reported  byXXXX   is XXXXand XXXX  is XXXX. My score is is usually mid XXXX as it were 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are XXXX inquiries on my Transunion credit report that did not originate from me. 

XXXX is XXXX XXXX, on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. Phone XXXX. XXXX type - individual, permissable purpose = written authorization. The phone number did not work when I tried to call. I did not request whatever this is. 

Second is XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX, XXXX, DE XXXX. Phone : XXXX. XXXX type : individual. I did not request any new credit of any kind from XXXX XXXX or XXXX Bank.

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 2019-04-21
Company: Ditech Financial LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I am in the process of Mortgage Assistance Application expecting the the mortgage servicer, the Ditech Financial , LLC, will complete this process and recommend one of few solutions to help me with mortgage payments due to a temporary financial hardship occurred because of the disastrous events happened with my property without our role in it - only a liability as the owners. 
Today, XXXX XX/XX/2019, I receive a surprising letter from our mortgage services, printed on the CFPB template " Loss Mitigation Acknowledgment Letter _ Complete LMA Retention '' is changing the Mortgage Assistance Application into never asked Loss Mitigation application and asking for Retention and a completely different schedule of payments. Prior .representatives of the Ditech Loan Modification Department , 5 times, when we were adding  information to the Mortgage Assistance Application, have agreed to put hold on regular payments of the mortgage due to the special circumstances in this case. 
The current change will create a necessary burden of additional {$10000.00} which should be removed and the today 's letter retracted. 
I understand that Ditech Financial LLC is in financial problems ( bankruptcy chapter XXXX filed recently ) but misleading customers to collect unearned profits is not a legal manner of solving their problems.

Company response to consumer: Closed with explanation