BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 DISPUTED FRAUD INQUIRIES WITH TRANSION, XXXX AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. 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 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 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 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 2018-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I have Capital One Credit Card, and I was responsible customer, until I had accident. I wasn't able to work almost one year. During that period I had a hard time to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. Me and my wife XXXX XXXX are proud residents of the great state of New Jersey for over 25 years and we have one of our sons serving this country in the military. My family and I have lived in our house for over 17 years, but due to unfair treatment by our mortgage servicers ( currently Select Portfolio Servicing ), we are in danger of losing our home. 

I was a city bus driver for many years. Like many people, I lost my job in XXXX. We were able to modify our mortgage then, but unfortunately I was laid off again in XXXX. At that time I contacted our lender to get help. We applied for a modification repeatedly but never got a decision due to incomplete files. Each time I contacted them I spoke to a different person. I feel like we were given the run-around. To make matters worse, they called often looking for money but would never help us. 

Each time we sent in new applications and paperwork it started all over. No decision, only incomplete files and another new person to speak to. It has been very frustrating! There must be rules or regulations that prevent such awful treatment when people are making an honest effort to resolve a financial problem like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.

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 2018-07-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

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 2021-06-24
Company: HYUNDAI CAPITAL AMERICA
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My XXXX XXXX XXXX was stolen XX/XX/XXXX and I filed police report and notified the finance company XXXX. Insurance covered rental for 30 days and no additional coverage from dealer. Auto was found same day it still had not been fixed due to alarming rate of XXXX and hyundai being stolen. I have contacted XXXX on several occasions for a deferment of payment as I have to pay for rental car and unable to do both as the car is still not returned to me. They are not willing to help at all. I waited for supervisor to call back over a week and they still had not. I called back today only to get no where with this. I need assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: LD Holdings Group, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is with reference to Mortgage Account Number XXXX with Loan Depot. 

The insurance coverage through XXXX XXXX on my residence lapsed while I was out of the country last XXXX, and I did not realize it till I got a note from my lender notifying me about it. I promptly got new insurance from XXXX on XX/XX/XXXX with whom I had also started a car insurance policy a few days earlier. In effect, I did not have coverage from XX/XX/XXXX to XX/XX/XXXX - a period of about 45 days. 

After I submitted the XXXX insurance, I as told by Loan Depot, that there was a gap of 45 days where I did not have insurance, and that they would try to get coverage for that period if I was unable to do it. When I checked around with XXXX and other insurance companies, they mentioned that it was illegal to backdate insurance. The letter from loan depot also indicated a charge of {$800.00} ANNUALLY. I spoke with the loan depot representative who indicated that the pro-rated charge for the 45 day period would be {$120.00} or so. Even though I felt that backdated insurance was a scam, I was ok as it was costing me only {$120.00} or so I was surprised to see a charge of {$800.00} on XX/XX/XXXX, and have tried to contact loan depot who have refused to remove this charge. Need help to resolve this issue, and remove this unfair charge. Please note that there was no damage or claim on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have written to both all three credit reporting bureaus ( TransUnion, XXXX and XXXX ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on TransUnion but XXXX shows last payment made on XX/XX/2018. Also the phone number on TransUnion shows as ( XXXX ) XXXX but on XXXX as ( 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 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hi, My name is XXXX XXXX XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-06-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: VA
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:
On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/202XXXX 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 explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed that I have some unauthorized inquiries on my credit report I've reached out to Equifax to correct this issue already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am willing to pay the month of XXXX due but not XXXX. I called them XXXX week of XXXX and complained that the service was not good when I was watching superbowl and wanted to cancel and ask for refund. The signal on my big screen kept circling and circling. I called again sometime XXXX and wanted to check why its still not cancelled and asked how much I owe for XXXX. Finally the subscription was cancelled sometime XXXX and they are billing me for both months. These people and company are trying to rip off people so they can get more money from their customers. I dont want to pay for XXXX and only 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 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below 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 explanation
Consumer complaint received 2018-07-23
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against TransUnion for reporting inaccurate balances on several accounts that they previously verified. I have noticed that my credit report from TransUnion contains incorrect information regarding the outstanding balances on multiple accounts. These errors are causing my credit score to be negatively affected and I have been unable to secure credit or loans as a result. 

I have contacted TransUnion to have these errors corrected, but they have not been resolved. I have provided documentation and proof of the correct account balances, yet TransUnion continues to report the incorrect information. 

I request that the CFPB investigates this matter and takes appropriate action to correct these errors and hold TransUnion accountable for their actions. 

Thank you for your attention to this matter. 

Accounts in question : TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33.00} XXXX XXXXXXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} I have attached at least one example of how the TransUnion willingly reports inaccurate information without verifying anything. The amount doesn't even add up. TransUnion is just reporting anything at this point.

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 2018-08-17
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX  on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XXXX Equifax Information Systems Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below is not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : XXXX, {$370.00}. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
My XXXX XXXX used my bank account info to pay a {$4100.00} debt. This was fraud and has effected me greatly, in multiple aspects. My bank tried to retrieve the money the next day, but the bank it was wired to responded that the funds were not available. My XXXX XXXX  is being held liable legally, but I desperately need my money back. I am a XXXX  father of XXXX. I know I am not on the account, but she has also reached out on my behalf, and has promised to pay the original debt in full if I can be returned my money. This was fraud and she was not an authorized user on my account. My bank account is now securely locked and all passwords changed. I really really need these funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation