BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report have these inquiries that are unknown I did not give this company permission to run my credit I did not apply for no mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ALL WESTERN MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THIS COMPANY DRAINED MY BANK ACCOUNTS. THIS WAS FOR A HOME LOAN PURCHASE THAT NEVER CLOSED. THEY MESSED UP AND ORDERED UNNECESSARY DOCUMENTS AND KEPT CHARGING MY CARD. BASICALLY HAVING ME AUTHORIZE MY DEBIT CARD FOR THEM TO ORDER CERTAIN DOCUMENTS-THEY ORDERED DOCUMENTS THAT WERE IRREVERENT. TTHEY SAID THEY WOULD REFUND ME ONCE THE LOAN CLOSED-WHICH THE LOAN NEVER ENDED UP CLOSING. I HAVE THOUSANDS OF E-MAILS AS PROFF OF THEM SAYING THEY WOULD REFUND ME AT CLOSING, THE REALTOR EVEN ASKING WHY THEY ORDERED THOSE DOCUMENTS. IM SICK OF DISPUTING THIS AND GETTING NOWHERE BECAUSE THEY ARE REFUSING TO GIVE ME MY MONEY. THEY ARE SCAMMERS THEY BASICALLY GET YOUR AUTHORIZATION AND ORDER THROUGH A 3RD PARTY AND SIT BACK WHILE SAYING THAT COMPANY CHARGED YOU NOT US. THIS IS A SCAM. IMMORALLY WRONG.

I WAS CHARGED {$820.00}, {$440.00}, {$450.00} ALL FOR NO REASON. WHY WOULD I GET A LOAN WHEN I HAVE TO PAY OUT OF POCKET? I COULD UNDERSTAND A {$270.00} OUT OF POCKET TO GET HOA QUESTIONNAIRE BUT WHY HAVE THAT COMPANIES EMPLOYEES NOT KNOW WHAT TO ORDER AND DRAIN MY BANK ACCOUNTS THEN NOT EVEN BE ABLE TO CLOSE THE LOAN IN WHICH I END UP PAYING CASH FOR THE HOUSE ANYWAY. ANYONE AND EVERYONE KNOWS IF PAYING CASH ON A HOME YOU GET A BETTER DEAL. THEY PUT ME  IN OVER XXXX DEBT AND STILL REFUSE TO REFUND ME WHATS OWED TO ME SO AT THE VERY LEAST I CAN PURCHASE FURNITURE? THIS IS CRAZY. I HAVE TRIED CONTACTED THEM DIRECTLY- NO LUCK- I TRIED DISPUTING IT WITH MY BANK ( XXXX XXXX XXXX- ONLY FOR  THEM TO WAIT UNTIL THE LAST DAY TO RESPOND TO JUST PROLONG MY DISPUTE AND REJECT IT ) I RE-DISPUTED IT, I CONTACTED XXXX  AND WAS TOLD IM MAKING A COMPLIANT WITH THE WRONG COMPANY ( BASICALLY WITH THE COMPANY THAT THEY HAVE TIES TO TO GET DOCUMENTS ) THE COMPANYS INFO IS : All  Western Mortgage | Branch NMLS # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX https : //allwestern.com NMLS ID XXXX THIS IS NOT RIGHT! NO CONSUMER SHOULD HAVE TO SUFFER ESPECIALLY DURNING THIS TIME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2019 I opened up a checking account with Chase Bank. I received an account number, set up direct deposits to this account and downloaded its App. XX/XX/XXXX I tried logging into the Chase App and I was prompted to call a number because my account was locked due to suspicious activity. The first time I called the representative repeated my social security number back to me, which I thought was odd for a company to do for security reasons and then she informed me that my account was closed but couldnt explain why. I went online to get a Chase customer service number because the apps prompt to call seemed fishy to me, for the brassiness of the first representative and the lack for personal profile protection was beyond me, I couldnt help to think I was being scammed. Talking to the second directed representative, I was informed that my account has been closed due to internal review but they couldnt tell me why. I asked several times to speak with someone in regards to my concern but they said Mam there is no one you can talk to other than us and the bank has made its decision I asked based on what? What is the reasoning, I have a right to know why. They kept saying its confidential, but its my confidential information that Im demanding. They couldnt direct me to underwriting, tell me how they come to their decisions, they just told me no and thats it. I even asked if they will send me a denial letter stating why, they had no answer for me whatsoever. I am beyond upset to be treated this way and I am scared about my personal identity being compromised. They said suspicious activity on the app well what does that mean? Im worried sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ENCORE CAPITAL GROUP 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:
On XXXX XXXX,XX/XX/XXXXMIDLAND FUNDING LLC add a derogatory marks on my credit report perXX/XX/XXXX,XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I set up my car payment with Hyundai Motor Finance to be automatically deducted from my checking account each month on the payment due date ( XXXX of the month ). The monthly payment is {$430.00} and I authorized fixed payments of {$500.00} expecting the additional {$63.00} to be applied to principle. No where on the setup screen can I indicate additional principal and no where on the setup screens does Hyundai say how their system handles the additional funds. Nor is the payment waterfall disclosed on the monthly statement However, in the FAQ section on the mobile app. in the principal payment section, it states that payments under {$2500.00} would first be applied to past due fees and payments, then the current payment and excess will be applied to principal. On XX/XX/XXXX I realized that Hyundai did not deduct my monthly {$500.00} payment from my bank account so I logged to check the status only to find out that I have 0 payments due. I called Hyundai and was told that funds received above a payment but less than {$2500.00} would always be applied to future payments. When I stated that the website and mobile app are not clear and Hyundai should allow borrowers to specify excess to principle I was told Hyundai used to allow this but received a lot of complaints because old people didnt understand. Strike 1 - age discrimination. The agent said he could fix the first 7 payments that I made and would credit the additional funds to principle. I wanted written confirmation of the corrections and asked for a free and backdated phone payment to the due date because clearly this was a Hyundai error. The agent couldnt accommodate so I asked to speak to someone in the XXXX. When I told the new agent what occurred and the age related comment I was told the mobile app never allowed the customer to specify additional principle. I was also told that I wasnt entitled to a free or backdated phone payment and that it could take up to 2 weeks to correct my account. I was also told that I would have to call after each time I make a payment to ask that the additional funds paid be moved from future payments to principle. 

To date, 15 days after calling, I do not know if my account was ever corrected. I logged on to the website and the latest statement available was generated XXXX. There are no corrections on the XXXX statement and nothing dated after XXXX showing the corrections were made. 

Always crediting funds remitted above and beyond the monthly payment amount to future payments and not to principle ensures Hyundai will collect all of the interest over the life of the loan and doesnt allow the borrower to prepay without being penalized. And not disclosing the payment waterfall is shady.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}, and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-01-15
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:
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 15USC 1681. 

XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXXl : # XXXX, XXXX XXXX XXXX : # 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 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 record by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: TX
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX XXXX 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 an 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 items 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 a reasonable cost to believe that this information is an inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Fair Debt Collection Practices Act - 807. False or misleading representations

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 2021-06-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My wife and I tried to get a new cell phone plan. We learned that our credit reports were frozen. Yesterday ( XXXX ) I worked to contact all three credit report companies to have the freeze temporarily lifted. I was successful in doing this with XXXX and XXXX  since these firms have human customer service agents who worked with me to fix the problem. Experian, however, is another story. No matter what I did I was not able to fix this problem, and I was unable to get connected to a human agent. I later learned that Experian doesn't have any human customer service agents working in the US. I had to send them a letter with my personal information and will have to wait to get a resolution. They are essentially holding me for ransom. I suspect that if I had a paid membership, they would provide human support. This XXXX company SHOULD NOT be allowed to do business with Americans and collect money on their " service '' and selling our data without providing human customer service as do the other firms that are American companies. I would love to be able to " QUIT '' Experian. But I can not since they have me and every other American by our short hairs. The CFPB should FINE and heavily regulate Experian and encourage congress to pass a law forcing all credit reporting companies operating in the US to provide human customer service with a waiting time not to exceed 10 minutes. I have sent letters to my Representative in the House and to my two Senators with this same complaint.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, BBVA was supposed to transition Simple bank customers. They told us to write down our account numbers and that on XX/XX/XXXX we would be able to log in. 
On XX/XX/XXXX the log in was down. On XX/XX/XXXX the log in was down. On XX/XX/XXXX I spent 2 hours ( one call beginning at XXXX and lasting 59 minutes working with XXXX. Then my call was disconnected with no explanation. I called back at XXXX and was on the call with XXXX who said she had reset the account and was sending me an email with log in information. I asked for her to give me the log in information and she said it had to be sent in an email and I would receive the email in 5 -10 min. That call lasted 1 hour and 3 minXXXX ( XXXX ) It is now an hour later and I have not received an email and still can not log into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation