BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Exeter Finance Corp.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A {$30000.00} car loan was taken out in my name by a woman in CA. I have lived my entire life in MO, a fact that is easily verified on my credit report. The lein holder, Exeter Finance requires that I submit a copy of my driver 's license and social security card ( among other documents ) to po box . This allows no delivery confirmation or certified mail. I've been trying for 2 years to get this resolved. There is no contact information for their fraud department, and no way to hand deliver documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX  Account number: XXXXCredit Card Issuer:XXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX  never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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
Consumer complaint received 2019-04-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I filed a claim against a seller with paypal against a seller who scammed me for {$47.00}. They agreed to the refund, but I had to send the product back by XX/XX/XXXX. I was having issues sending the product back in time, so on XX/XX/XXXX I called paypal and spoke with XXXX, who promised me she would extend the time frame to send the item back by two weeks. While I do not have a recording of this, paypal records all of their calls to 'assure customer service quality ' so they should have this information. 

One day later, the case was closed against me because I didn't send the item back. I called paypal again, wasting hours of my time on call just to be told that even though the support agent promised an extension, they could not honor it. 

They suggested I file a complaint with my credit card company. This should not happen, as Paypal promises it's customers protection against fraud. By denying me of this service ( at their own fault ) they are breaking the contract of terms on which i do business through them for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I opened a checking account with citibank last month, made an opening deposit of {$30000.00} from my XXXX money market acount for a {$400.00} bonus promotion. About 2 weeks later I got a notification from citibank that they had closed my account and that I would be receiving a letter in the mail with the reason why. It has been almost a month since then and I have received no letter. I ended up going into the branch and they told me the account was closed due to fraud. There has been zero fraud in my account and I even showed the citi banker the transfer that came out from my XXXX account to fund my new citibank checking account. Citi is now refusing to give me the money back and I fulfilled the terms of the promotion as well so I am also demanding the {$400.00} bonus that is due to me for depositing the {$30000.00}. There was no fraud in my account, I have used this XXXX savings account for almost a year now and have had no issues with any other bank. Please get this resolved with Citi, they are thieves. Everyone I speak to at Citi customer service hangs up on me. 

Thank you, 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I attempted to transfer significant money from Chase bank to one of my other bank accounts. They did not recognize the account and said that they needed to " verify '' the account by depositing some minor amounts into my account, which they did. They said the process would take 2-3 business days. It took 5 days before they asked me to identify the quantities. I did and they verified the account. I then directed the transfer on the XXXX and they were to make the transfer on the XXXX. On the XXXX they blocked my account due to suspected fraud. I had to call their fraud reps who hung up on me multiple times. I finished their verification twice and finally got one of them to unlock my account. He told me I would be able to redo the transfer after 30 minutes. It has now been hours. now. The reason they gave for blocking my account was that they could not verify that I was the owner. What was the transfer test for if not to verify the account? They are holding my money hostage by unilateral decision. I rechecked with the receiving institution, and they verified that I had the right transfer address. I am planning a major expenditure and need this money soon. What good does it do to have money in the bank if they won't give it to you?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Account Resolution Corporation
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The third-party debt collector ACCOUNT RESOLUTION CORPORATION is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know ACCOUNT RESOLUTION CORPORATION and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services has been sending mail to my home and calling/texting my cell phone for a debt that is not mine and the person who owns the debt does not live with me. 

I have for 3 years been trying to remove my address and phone number from their system. 

In addition to continuing to contact me, they have sent me links, discussing the financials of the person who does owe the debt. I am a third party that should not have any access to the information of the person they are looking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Exeter Finance Corp.
State: MI
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:
I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company name XXXX- is trying to collect monies for service we did not sign up for- we have expressed this to XXXX as well as the multiple collection agencies they have sent towards us. we keep asking for a contract or any signed agreement from them, however - there is none since we have never signed up for one. This company XXXX is relentless in collecting for debt we do not owe, this issue is going on since 2019 and needs to stop. They have threatened us many times saying we will be reported to multiple credit agencies- ruining our credit with banks hurting our lines of credit - this needs to stop. Show us a contract or any agreement from XXXX and our company and we will be glad to pay it. 

i am reporting XXXX - as they are the ones sending collection agencies to call us XXXX all we have been provided with is invoices - but no contract - no agreement- we are asking for a signed agreement showing us we signed up for there service which there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know

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 2024-01-04
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed a debt of {$160.00} from XXXX  on my credit report from a collection company. I never own it to XXXX. I reached out to both XXXX  and the collection company who confirmed it and suggested me to fill and claim. 

This account is not mine. I am requesting to remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX  # XXXX XXXX XXXX XXXX # XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

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

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/ These are not my inquiries they where done fraudulent an shouldn't be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Citicard Bank just raised the APR on my account from 12.5 to 21.5. 
My credit score is XXXX. 
On line I see the average interest rate for a XXXX credit rating is 13.5 I spoke with customer service. I was told I could request a lower rate but there are other factors in addition to credit score. If anything, I have less debt than I had prior to the increase.

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 2024-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I reported that I had wrong information on my consumer report and the bank has agreed to remove it from my report but I havent heard anything from the agencies yet updating my 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 explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After sending the FTC report of identity theft in XXXX, XXXX, XXXX, and XX/XX/2023, XXXX XXXX XXXX XXXX XXXX sent me a letter on XXXX XX/XX/2023 saying that they are refusing to remove the collection for XXXX  at XXXX. They then threatened to extort me. This is a racketeering activity and conspiracy to commit racketeering activity carries a sentence of imprisonment of 20 to life. Telling me that I must pay this amount or we will violate your right to privacy by reporting late payments to the credit reporting agencies without your written permission to ruin your financial reputation which equals extortion. They made false allegations that they sent me a letter to my address which they do not have and it was delivered. It most certainly was not certified because I never received such a letter. I sent them my identity theft affidavit as well as the XXXX at XXXX. I attempted to file a police report but they said I have to do it in person from the place I resided when the incident occurred but I do not reside there anymore. They have been harassing me and have extorted me by adding negative information to my credit report in an attempt to collect an alleged debt that they have not proven to be mine. This is the second time someone has sold my social on the internet and I have experienced identity theft but all three credit bureaus have allowed them to add such negative information. This makes XXXX, Transunion, XXXX an accessory and conspiracy to racketeering.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX  has a vehicle on my credit for XXXX XXXX I have no knowledge of this account an it shouldn't be on my credit

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 2023-08-06
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
In XXXX of 2022 I was behind on a few payments through Santander. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that Santander sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know Santander is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
XX/XX/, we were notified they would be adding PMI ( private mortgage insurance ) despite the fact the prior lendor had already removed PMI due the property reaching the 80 % LTV ( loan to value ) being exceeded. They included in the escrow letter PMI notice how to remove the PMI. I followed their instructions and sent them written request to remove the PMI as soon as we were notified in XX/XX/. I foolishly did not get a delivery receipt for this letter or saved a copy as I made the foolish assumption that if we followed their process that this issue would be resolved in a timely manner. I then finally received a letter back from them with their form that needed to be completed for the request in XXXX. I completed their form and emailed it back to them. I then was contacted via email on XX/XX/XXXX that they needed the form sent to them, which had already been completed and sent to them. I resent the same form, ensuring no errors and full completion that same day. XX/XX/XXXX, they sent the same form via email requesting the form be completed. I then sent the form AGAIN on that same day. Finally yesterday XX/XX/XXXX, I received postal mail that I needed complete the form ( THE SAME EXACT FORM ) to complete my request to remove my PMI. I emailed them the completed form AGAIN, now this is the 5th time I have fully complied with their process and it has now been 8 months and they have not completed the request and continue to falsely inflate the cost of my loan to collect funds they are not owed that should have applied towards my principal balance. At this point it seems to be consciously malicious and purposeful to in order to falsely collect over inflated funds they are not owed.

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