BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2023-01-30
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:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and 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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
violation of my rights cra inaccurate infomation sent the hpd report to them 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 2019-02-21
Company: EQUIFAX, INC.
State: CA
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:
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$11000.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This has been an ongoing issue for almost XXXX year now. Around AXX/XX/2020, my debit card with Wells Fargo had been compromised. I immediately called and reported all of the fraud charges. I also noted multiple times that I have not received any new cards nor was I able to log on to my online account. My email address and phone number had been changed on my account and I was not able to view any updates. I mentioned this issue to every single agent I spoke to and only one was sure to make a report and note it. I was informed by the fraud department that a police report was necessary for this case. I tried to send this report to Wells Fargo multiple times. One agent even told me my police report was denied and they did not even want to look at it. How does it make sense to ask for a police report and then deny it? I tried to speak directly wit h the agents that were in charge of my case, but had no luck. First, I was told my case needed to be sent to a manager or supervisor and I would get a callback. Nobody EVER called me back. Also, I explained multiple times that my email and phone number were not correct and to update my profile. Later, the agent explained that all updates were being sent to the fraudulent contact information on the account. I tried to work with Wells Fargo in every way that I could, but there is no hope anymore. I even contacted the merchants that were associated with the fraud and e very single one said they were unable to help and that my bank should take care of this issue. All of the fraud charges have a total of around {$8000.00}. This is a large sum of money and I should not be held liable for these fraudulent transactions. I would like my money back asap. I have been lied to and treated like a piece of garbage going back and forth with this terrible bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: M&T BANK CORPORATION
State: OK
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: Problem with personal statement of dispute

Complaint:
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.

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 2021-02-24
Company: HYUNDAI CAPITAL AMERICA
State: SC
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:
Vehicle was involved in a Collison on or around XX/XX/2016. Car was covered under insurance ( XXXX ) through XX/XX/2016. Upon demand for payment by Hyundai Motor Finance ( HMF ) to XXXX in the amount of {$12000.00}, XXXX paid exact amount as requested by HMF to HMF. Check # XXXX ( {$12000.00} ). Car was fully covered by insurance, payment made ( and cleared, receipt sent to consumer ) in the amount requested by finance company, therefore nothing is owed. There is no bad debt, collections, or charge off ; account paid in FULL. 

HMF and/or credit reporting agencies refuse to remove item from credit report as " HMF states the report is correct. '' This is deliberate and fraudulently reporting false info to credit agencies despite providing proof of payment from XXXX to HMF. 

**Do you research and stay far away from HMF. This is a " thing '' apparently**

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 2023-05-21
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no unpaid depts that I have control over ( I.e, Auto Loan, Credit Card ) and continue to get multiple calls a day from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Self Financial Inc.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
From : XXXX XXXX Sent : Saturday, XX/XX/2020 XXXX XXXX To : Self XXXX Subject : questions for self about inquiries Will I still receive my credit card if my savings progress has unexpectedly gone down. I have attached below screenshots of my savings progress. 

Sun XX/XX/2020 XXXX XXXX : To receive the {$540.00} dollar plus cd interest after the 12 months can I upgrade to the 12-month plan? This is for cancelling my original plan.

After contacting the major credit bureaus, they informed me of how my credit score could be impacted.

Inside your account dashboard, your Savings Progress is the approximate " cash '' v
alue of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ).

While it may seem alarming to see your funds decreasing, your final payout, if the account is kept open until the original maturity date, will still equal the original loan amount if all payments are successfully submitted. Your funds are not 'disappearing ' they are applying appropriately to the interest amount. 

The formula for Savings Progress is : XXXX Principal ( loan amount with no interest ) - ( minus ) remaining loan principal - ( minus ) loan interest accrued to date ( minus ) outstanding fees ( if applicable ) - ( minus ) CD withdrawal fee ( if canceled early ) = Total Refund Amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: NM
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 had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and XXXX. My XXXX report  from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3 months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to Experian as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.

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 2021-02-24
Company: Self Financial Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
They lied and said they don't see them debiting money out of my checking account on the XXXX of every month. 

There was an unauthorized charge came through my checking account and the bank had to close my account. This unauthorized charge took 50 % of my whole check so my bank had to close my debit card. I did not know they closed my debit card. Because I agreed to have them to draft the money on the XXXX. I went to the bank an got a new debit card. I put my new debit card as soon as I got it in the SELF dashboard. So they had my new debit card on the XXXX and my agreed upon payment was paid on. The XXXX on time. Meanwhile they went into my debit card on the XXXX a couple of times and they dropped my credit score by 70 % and they got there money on time. I was never left and they got my new debit before the XXXX on time and there were suppose to have a grace period before they mess with your credit. The agreement was them taking the money from my account on the XXXX not before. I paid them on time and my credit dropped by 70 %. I cancelled my SELF credit builder account and I asked why did they went into my checking account before the XXXX and all they kept doing was lie and they got mad because their attempt failed on XX/XX/XXXX did not go through and they lied about them drafted money from my checking account. 

I done nothing wrong so I closed my credit builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NM
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 had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " XXXX party agency '' for reporting to both Equifax and XXXX. My Equifax report from the time I opened the account has not reported properly. The balance goes up and down for no reason. Equifax is reporting only XXXX  months of good payments and they are separated by XXXX months of no status, which should also show good payments. The account has been in good standing for over XXXX XXXX and over XXXX XXXX of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my Equifax report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, XXXX/XXXX/XXXX, XXXX XXXX XXXX has confirmed that the balance shown my Equifax is again, incorrect according to their records. In addition, the " XXXX party agency '' that XXXX XXXX XXXX has hired, supposedly reports to XXXX. The account has never once shown up on my XXXX report. It has never reported to XXXX for over XXXX XXXX, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
No matter how many times I dispute with Midland Funding LLC, they always claim that they don't know what I am disputing This company is claiming that I have multiple accounts with them. This is entirely inaccurate. Midland Funding is inaccurately reporting on my credit files. I have no knowledge of the accounts that they are reporting. The accounts listed as Midland funding { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } Midland Funding LLC { XXXX } The accounts listed on my credit file are not my accounts. Midland Funding LLC are in violation of the FCRA. I did NOT give Midland Funding LLC any authorization to access or report on my credit file. Please have these accounts removed immediately. I have never been associated with these accounts. I have no knowledge about the accounts being reported. I have asked for verification, validation as well as my signatures on any documentation pertaining to the accounts listed negatively on my credit file. Midland Funding LLC ignores the FCRA, XXXX and the XXXX compliance and has not provided me with any of the information I have asked for regarding these accounts. It is unethical and unfair for Midland Funding LLC to hold me responsible for accounts that don't belong to me. I have no obligations or signed contracts with Midland Funding LLC. I look forward to having Midland Funding LLC remove all accounts that they are negatively reporting to be removed from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and Transunion. My XXXX report from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3  months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to Transunion. The account has never once shown up on my Transunion report. It has never reported to Transunion for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.

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