BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was suppose to be the co-signer but they had me sign on the line as buyer,, which I should have looked at closer but I just signed where they had the little tabs marked. After I signed I was told I could leave and the ones buying the car were to stay. The car was repossessed and I found out afterwards I was the buyer so it messed up my credit. The other people werent told to sign anything but were given the keys and left. I didnt fill out an application but someone there did saying I make over {$46000.00} a yr. Which I dont. I only get {$590.00} a month social security. When I asked for a copy of the contract, I got it then about a week later I received a letter offering to buy the car back,, which I never had,, never even been in the vehicle.So it was a straw purchase using my credit score and someone elses income .Iwas lead to believe I was the co-signer and signed where I was told. Now its messed up my credit and were trying to get things done on our house but cant because of this. The vehicle was bought from XXXX XXXX in XXXX Texas and financed through Chrysler.I need this cleared up asap but all they say is well you signed the papers! If they would have been honest I would have never signed those papers. The vehicle was repossessed and sold in the XXXX area but theyre still showing I owe almost {$15000.00} on it. Please help me. I tried the XXXX and they suggested going through you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear sir/mam, I newly created account in Wise.com with my private and business both IDs. I have transferred XXXX XXXX  and XXXX on XXXX XXXX from my private account which is not given to me yet. 
Also, I have paid XXXX XXXX, XXXX XXXX and XXXX XXXX  paid on XXXX XXXX which is not given to me yet. 
I have sent them all evidences through emails and their XXXX chat. My bank has confirmed me that they have paid all full amount to the beneficiary. 
Wise.com customer care staff is completely silent. 0 reply since last week. 
I have to pay for my business registration and I am stuck now. 
Kindly check out the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX  XXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022 I sent XXXX, TransUnion, and XXXX a letter for investigation of alleged debt. I asked if they would give me a detail information on how this alleged debt is valid. I asked for the name of the person who verify the these debt, the time and date the information was verify, and for the name and address of the original creditor. They have fail to provide me with any proof these alleged debt belong to me.

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 2019-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX   -XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I called transunion XXXX to tell them that for 4 years I have no access to the app The app is claiming that Transunion can not identify who I am which is incorrect. To only hear the reason why I have not been able to use the app is because I have to pay to see my information, an app is 2020 version of a website. Majority of people do everything from their cell phones in todays society no need for laptops. So now We the people are being extorted for access of our own information through the app. This is a violation of the FCRA. And should be held accountable. Trans Union is recommending that I go to a website that is government mandated for one free credit report the problem with that is TransUnion will never be held accountable for their miss deeds they will point the finger at the site and the site will point the finger at Trans Union ( I have had enough of that game ) 4 years and over 5000 calls of it.

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 2021-07-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing my credit file with XXXX, Experian and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX  comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-06-07
Company: Southwest Acceptance Finance Co
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2019-03-13
Company: BTH Management
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This morning XX/XX/23 I received a " credit alert '' through my XXXX XXXX service through email. It stated that a XXXX XXXX Account was detected on my credit file. The company name is listed as SUNRISE CREDIT SERVICE. I contacted them at a number that was provided on XXXX site and was asked to provide my SS #, Phone #, a picture of a valid ID and a bill from XXXX representing my address at that time.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Hello-On XXXX XXXX-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to Capital One ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXX-stating they found no fraud, and that the investigation was finished. 
To this day-Cap One has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Indiana ). 
Kohl 's IT department has record of me trying multiple times over multiple days of trying to pay my online bill. It should be noted that this bill was for XXXX dollars, XXXX of which was due immediately. I was never late with my payments. Since it was a problem on their end ( I was out of the country and unable to mail/call to pay ), I asked them to remove this in good-faith, since I have been a customer for many years, and the amount was miniscule. They said they would do this and have not done so. It is very negatively affecting my credit and I'm aware they do this for others. It just feels random, i.e., whomever answers the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MI
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 am making a final goodwill attempt to have you clear up this matter. Due to the covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covid 's forbearance period. I have listed the late payments on my report. I was removed because I'm a victim of covid-19 and legally you should not have put them there. Failure to comply is a direct violation of FCRA section 623,15 U.S.C. 1681s-2 ; 12 CFR part 1022, sub part E ( U.S. Code 1581s2 ( F ).

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 2019-03-13
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 15 year mortgage was taken over by NewRez mortgage comp. of XXXX Tx. about four months ago and being serviced by shell point mortgage ever since. 

In my original contract with XXXX, I signed up for maintaining my own escrow account and have been paying my taxes and insurance for last 20 years. I have never been delinquent or behind payment of any kind. I have sett up auto pay from my XXXX  XXXX XXXX account, it is paid automatic. Taxes and insurance are paid when its due and never been late or delinquent. 

All on a sudden, I received a notice from the Shellpoint mortgage company that I am delinquent on my taxes and they had to pay my taxes for me to City and county, although my taxes were not due until XX/XX/2019 and XX/XX/2019. They went ahead and paid the city and county and sent me a bill for that. I went ahead and paid them whatever they billed me and the payments were duplicated. Now, they are adamant about their mistake and asking me to maintain an escrow account with them, which is not in my contract. 
I have all the document to prove the above facts. Which have been provided to them as well. I need help to go back and set up my account as it was and dont want to maintain any escrow account with them. I have contacted them and XXXX talked with the manager, with no relieve. I need help, I am XXXX years old and cant deal with them any more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: OH
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:
So I sent a letter off on XXXX XXXX t remove personal information that I don't not want on my credit report. According to the fair credit reporting act 15 usc 1681. I have the right to privacy also according to 15 usc 6802. No finacial institution is not suppose to share my information to third party people.

THESE ARE CLEAR VIOLATIONS IF MY FEDERALLY PROTECTED RIGHTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There seems to be an error on my consumer report furnished by ( companys name ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 

Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

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 2019-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED XXXX  XXXX SEVERAL TIMES ABOUT THOSE FRAUD ACCOUNTS THAT DONT BELONG TO ME. I HAVE SENT IN SEVERAL POLICE REPORTS AND COURT RECORDS TO PROVE TO THEM. NOW THEY KEEP SELLING THE BAD DEBT TO OTHER COLLECTION COMPANIES. THE ACCOUNTS ARENT MINE. ATTACHED IS A COPY OF THE POLICE REPORT. NEXT IS IM FILING LEGAL ACTIONS AGAINST PORTFOLIO RECOVERY. PORTFOLIO RECOVERY HAS GOTTEN SEVERAL POLICE REPORTS FROM ME AND NOW THERE REPORTING IT AGAIN ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief