BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: JAN (LendUSA) Holdings, Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted the application for a mortgage pre-qualification letter to the broker XXXX XXXX XXXX Highly of LendUs in XX/XX/2021. Initially she was very responsive. I told her that I viewed a property that I liked and wanted to know if it qualified for the loan. She completely stopped responding to my calls and text messages for three weeks. I even asked if she stopped worked at the company. Ive never had a professional person just disappear without any explanation in the middle of us working together. I later saw someone recommend her in a XXXX XXXX XXXX group and I responded in the comments that I had a poor experience with her. She heard about my comment and texted me that night saying sorry she couldnt help me. No explanation as to why she disappeared or that she even wanted to assist me. I told her that her apology was dismissive and she did not take any ownership for not responding for 3 weeks during a critical time and her conduct is very unprofessional. She wrote me back that she doesnt have to respond to me. As long as Im contacting her in an appropriate within the context of her job, I would assume that her employer requires that she respond to me as a potential client. 

Im a XXXX woman with XXXX credit score and XXXX XXXX salary. I more than qualify for most mortgage applications. I dont know if her actions had a discriminatory intent but I want to document this experience in case any other people of color experience this treatment from this mortgage broker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU ARE REPORTING FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$790.00} ), XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX YOU HAVE VIOLATED THE TRUTH AND LENDING - ACT 15 USC 1601 AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a charge from XXXX XXXX XXXX XXXX XXXX for my/my sons stay during XX/XX/XXXX when he was born. I had full insurance through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX insurance through XXXX XXXX and XXXX. I have contacted the XXXX XXXX XXXX XXXX  XXXX 3 times PER YEAR SINCE XXXX to get this charge dealt with. Every time I contacted them from XXXX I was told that the hospital needed to resubmit the charge to my insurance, when I contacted both Insurance companies I was told that the hospital never did that, but that if they had the amount would be paid in full. Since XXXX when I reach out to the hospital I get ZERO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

COMENITY CAPITAL/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is in violation for the false, deceptive, and misleading representation of the character, amount, and legal status of this alleged debt. The negotiable instrument that I originally signed served as a consumer credit contract and was used as a promissory note to pay this alleged debt according to 16 CFR Part 433. I am legally entitled to assert my rights as debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 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 non-monetary relief
Consumer complaint received 2022-06-13
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing twice has violated my rights. XXXX should be removed from credit reports during the time the collection was paid in full and creditor agreed to remove from all 3 reporting agencies.

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 2020-03-01
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Reopening complaint XXXX Company responded would send paper bills, never received paper bills or letter that they attached here. Still getting emails stating my statement is ready. Have not been able to pay now for 3 months. 20+ harassing phone calls a day asking for money, 10+ emails trolling asking to log into my account to pay which is what started this complaint and now putting on credit scores no payments. This company is a scam and the person that responded is a liar.

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 monetary relief
Consumer complaint received 2022-08-09
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my wife and I realized our joint checking account was fraudulently charged {$100.00} from XXXX This was immediately reported as a fraudulent, unauthorized charge to Ally Bank on XX/XX/2022, which we were told was made using my debit card number. We were away, and my physical card was at home, untouched, yet my debit card number was somehow stolen. We were issued 2 new debit cards at our request right away ; however, the fraudulent {$100.00} funds have still not been returned to us. 

We filed a police report on XX/XX/2022 and reached out to Ally Bank since we have not heard anything further. On XX/XX/2022, Ally Bank representative XXXX said the funds would not be returned for at least 10 business days while they investigate and that we may or may not receive a letter in the mail or via email asking for more information. 

During a time when people are struggling with inflation and paying bills, this is unconscionable to put the onus on banking customers when they are a victim of fraud ( which is upsetting enough ). In the past, when I had an unauthorized charge with Ally Bank, it was quickly returned. All other banks and credit card companies I've dealt with also quickly return the fraudulent funds while conducting an investigation. Then if found not to be fraudulent, they pull the funds back out. 

We also see from XXXX XXXX XXXX  complaints, XXXX XXXX posts, and online forums that this is not an isolated issue. Many Ally Bank customers have been negatively impacted by this draconian dispute process, some waiting many months without access to funds that were fraudulently stolen from them. Ally Bank is doing this while publicly advertising that they have " zero liability '' policies for their debit cards when it comes to fraud.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXP ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) 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 2023-01-06
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 World Finance Corporation falsely reported a fraudulent account that was obtained illegally using my social. I have reach out to the company numerous times to delete the negative account, but nothing was done. I also sent them a copy of a police report stating that my identity was being used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: ENCORE CAPITAL GROUP INC.
State: MO
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:
XXXX XXXX has reported a {$2500.00} account in collection on my XXXX   credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as XXXX for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in XX/XX/2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency XXXX have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the charge-off and collection accounts. No changes were made. Below are the inaccurate items from my credit report : 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 2022-08-15
Company: EQUIFAX, INC.
State: MO
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 previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never ceased to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} DEPT OF EDUCXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is making me very angry. The consumer reporting agency is INTENTIONALLY ignoring my claim and disregarding my rights. The agency is disregarding my rights purposely because they are saying my claim is to " verify '' or " validate '' accounts when I'm actually pointing out their unlawful practices. Transunion is reporting transactions and experiences which is against the law. The agency is also reporting items that are the result of a credit card. Please note, the instruments that I presented are the reason why they reporting agency is in violation of the laws and they are not allowed to look beyond me exercising my rights. Transunion also didn't respond to my request of the description of the procedures of the investigation because the agency did NOT investigate. The agency deleted accounts from my report because an actual HUMAN looked into my rights so that is proof Transunion broke the law several times and is getting away with criminal activity. You have a duty to remain compliant and not do what you want to do.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXX XXXX XXXX XXXXAccount number - XXXX XX/XX/XXXX XXXX XXXX Account number - XXXX XX/XX/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 handwritten 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have reached out to all 3 credit bureaus to verify debt with the furnisher for the following companies : 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 I have not received original contract from either company to date. 

Dates of mailed letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-03-21
Company: HYUNDAI CAPITAL AMERICA
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:
Hyundai Motor finance is reporting late payments for this account this is incorrect.

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