BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Kia Motors Finance XXXX XXXX Tx Paid loan off 10 months early, on XXXX/XXXX/XXXX Title is recorded with State of Georgia, e-title. 
TITLE STATUS IS UNDER LIEN XXXX spoke to Kia Finance representative. they confirmed account paid in full and closed. title department will release lien on E-title, send me notarized confirmation the title has been released. Title department only works Tuesdays and Thursdays. 
XX/XX/XXXX Kia representative stated an email will be sent to title department to investigate and resolve issue. allow 24-72 hours to research and resolution They only work Tuesdays and Thursdays. Representative will request they send Lien release letter. Timeframe estimate unknown. 
XX/XX/XXXX or about, Two Copies of a letter from Kia stating the final payment had been received and the account status is paid in full and closed. The letters are obviously photocopies. 
XXXX XXXX XXXX took Final Payment letter to Ga Department of Driver Services. XXXX informed the letter was insufficient to have the lien released. It must be original copy on corporate letterhead and signed to be considered for releasing lien. I brought that requirement up with Kia Special Agents when discussing release letters from that point forward. 
XX/XX/XXXX representative is transferring call to Special Agent Escalation Team based on our multiple calls on the same issue. Title Department experienced non-specific errors in clearing the lien. GA DMV would need to be contacted. Kia 's last recorded entry on the claim file was XX/XX/XXXX. 
XX/XX/XXXX Transferred to Special Agent. She stated Title Department has not responded to previous [ internal ] email, then transferred to supervisor. She will try to have a Lien Release Letter sent to address of record. She will ask title department to follow up with Georgia XXXX XX/XX/XXXX Special Agent stated the release request was rejected. Agent would send an email to Title Department to release title electronically then have release documents sent to home address. Indicating this has not worked in the past, the call was transferred to a supervisor. Supervisor explained no one in the Special Escalation Team has authority to directly contact the Title Department. 
XX/XX/XXXX They had not yet heard back from Title Department from last week 's request. I asked if there was a corporate complaint contact. and was provided a mailing address in XXXX XXXX CA. 
XX/XX/XXXX Representative stated the request from the Special Agent Escalation Team was closed on XX/XX/XXXX. Special Agent Escalation Team expressed my claim has been escalated to the Care Department. I will be contacted within two business days. 
XX/XX/XXXX There has been no contact from the Care Department.

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 2017-04-25
Company: Medical Data Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Two medic al debts from  XXXX   XXXX   XXXX   XXXX   were  discharged  in a chapter  XXXX  bankruptcy case on  XXXX . Case number  XXXX .    Medical Data Systems i s a debt collection agency who starting reporting the account as currently open with a past due balance. I 've disputed the account with every credit bureau but they keep saying the bankruptcy was dismissed. They are referring to an old bankruptcy from  XXXX . There was a second bankruptcy case in  XXXX  listed 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 explanation
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXX XXXX XXXX XXXX Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: TN
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 Account 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an advertisement in the mail from Capit al One 360 S tating that if I opened a new ca pital one acco unt, entered the Code "  XXXX  '' and receiv ed 2 direct depo sits of {$250.00} or more I would received a {$400.00} account Bonus. I opened the account, I was targeted due to being a new resident in the  XXXX  area and I have received FOUR direct deposits since opening the account, as of today I have not received my bonus deposit of {$400.00}. I have called capita l one 360 multiple tim es and have received a difference answer everytime  I call. I have met ALL of the requirements and there is no reason for them to withhold my bonus any further. I feel as though capital one has defrauded me, I would have never opened an account with them if I would have know that they would give me the run around concerning an advertisement that they sent me. I just would like my bonus and to be able to have a good banking relationship with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank. 
The debt is being disputed and must be proven within the next 30 days. Verified and validated. 
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX   XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent. 
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX. 

CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. 

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. 

This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.

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 2022-08-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX : {$470.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX : {$640.00} 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 2019-11-26
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection Company is Transworld Systems Inc. 
Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX They have called several times about a debt that isn't mine. 

The Debt is apparently for some apartment application fee for apartments in California for a XXXX XXXX  apartment complex. I have lived in Utah my whole life and have never even considered living in California. The debt is for a small amount like {$81.00}. The Creditor calling me had a strong accent like they were from a call floor in a different country. They started asking for personal information. I gave them my Bday to verify the account and then I told them I didn't feel comfortable giving them more information. I don't them several times the debt was not mine and they said they would mail out proof. They never sent me any proof and now have reported it to the credit bureau. XXXX   has removed them but the other credit reports still are taking their time to process the dispute. I search for reviews only and this company has a history of claiming fake debts to try to scam consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called and talked to a representative with XXXX XXXX XXXX and asked to settle my account, I offered {$500.00} and the lady said they could settle my account for {$570.00}. I paid the {$570.00} on the phone call and was reassured it would be settled and removed from my credit. I recently checked and the payment I paid only took off the balance and the account is still on my report ... not removed as agreed In my phone call on XX/XX/XXXX. Ive called numerous times and have been given the run around each time or even hung up on, on XXXX of the calls before I was transferred the lady acknowledged that she seen the notes that I settled the account out to be removed from my credit and the next representative I spoke with briefly, was put on hold then hung up on. At this time I need the phone call recording to be pulled ( which they should have being they are a debt collector ) to verify the conversation held on XX/XX/XXXX and I need this collection item removed from my credit as promised when I paid the agreed settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2018-05-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

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 2021-02-10
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Do not use CURRENT AND THEIR DEBIT CARD. 
They closed my account with no reason and hold my money in their hands. No check was provided because of closed account. By the phone or email they keeping pretend they don't have my account on file, so agent is not able to help. I loose a hundreds of dollars because i used their service! I hope company representative goes to jail. The police report was filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have mailed countless letters to this debt buyer/collection agency and they have thus far refused to provide any evidence that this is my debt or that they own this debt. they need to be investigated for their treatment of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
So I got a copy of of my payment history from XXXX XXXX XXXXXXXX and its showing some type of like corporate advances and stuff like that for XX/XX/XXXX. However the loan was transferred XX/XX/XXXX so it doesnt make sense why theres still activity in XXXX XXXX XXXX and with Celine finance Ive tried to do a modification Im not getting any correspondence from them also Ive asked him for payment history they dont have anything like that. The one was just transferred in XXXX. They have not been able to do a modification or help me include a home is in a foreclosure status, which is very weird, Im trying to get some assistance and I can not and I need some help. It seems like some type of fraudulent activity is going on. I would greatly appreciate if you guys could look into the situation from XXXX XXXX XXXXXXXX to Celine finance and help me out I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation