BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: CORELOGIC INC
State: FL
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:
CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail 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 explanation
Consumer complaint received 2021-05-02
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
- Received a collection letter from Torres Credit Services , Inc on XX/XX/2021 states that I owe XXXX XXXX XXXX XXXX XXXX the total amount of {$38.00}. 
- Called Torres Credit Services right away and asking for more details. They have a lot of my personal information including my full name, email address, phone number, last 4 digits of social, three addresses I lived in the past two years, the account number I had with XXXX, etc. to make the whole scam sound somewhat " convincing ''. The story on their side is I owed the unpaid utility bill when I moved from one unit to another in XXXX XXXX ( which should be XXXX XXXX  XXXX, not XXXX so that is suspicious ). I asked if that's true, how come I didn't owe money to XXXX XXXX XXXX but XXXX. They explained that XXXX XXXX XXXX outsources their utilities from XXXX, and that's why I owe money to XXXX ( that is suspicious too since I'm having business with XXXX XXXX XXXX, why do I care who they outsource their business to, and even if I do owe them money. It should be between me and XXXX XXXX XXXX, so I asked the account # on XXXX that they " claim '' I owe money to. 
- Called XXXX and gave them the account # I got from Torres Credit Services, and XXXX told me that I don't owe them any money but there is nothing they can do on their side to clear things out. 
- Called Torres Credit Services again to dispute the charge. 

Things that worry me a lot are, - where did they get all my personal information? 
- what are they going to do with my personal information in the future? Or what have they done with my personal information that I haven't noticed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
XXXX, XXXX, and Transunion claim to have conducted a full thorough investigation of these inaccurate negative items on my credit report yet they are still showing up as inaccurate on my report. I would like to know how they verified these accounts. 

XXXX/Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The FCRA and Regulation V generally require a furnis

her to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ). Under 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. 

Under the FCRA 1681s-2 ( b ) the furnisher is required to examine sufficient evidence to determine whether the disputed information is accurate. If a furnisher can not affirmatively verify that it has accurately reported disputed information, 1681s-2 ( b ) ( E ) of the Fair Credit Reporting Act requires the furnisher to modify, delete, or permanently block the reporting of the disputed information. 

A fair resolution to this issue would be the deletion of the following inaccurate accounts from my credit report : XXXXTransunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear Sir / Madam : After speaking with a couple of staff members today from your office, l was requested to email the following information to check on a claim that l filed against Hyundai Motor Finance. 
Case Number : XXXX-XXXX My phone number is : XXXX-XXXX-XXXX. 
My email address is : XXXX My address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX Please notify me immediate of any problems and once my files has been updated as soon as possible. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage put me in a payment suspension program 3 months ago, even though I did not need it. I was not suffering a hardship from Covid 19. I not only haven't missed a payment during the 3-month forbearance, I've actually made 3 additional mortgage payments in that time period. On the Wells Fargo website, it is stated that I can end the payment suspension at any time. THAT IS A LIE. I have requested that the program end multiple times, and they still have not done it. In addition, because I am still in forbearance, my mortgage account statements are not accurate or transparent. The information on my statements appear to be based on a strange and questionable accounting program devised by Wells Fargo. What credible reason could Wells Fargo possibly have for their obscure accounting, as statements should be accurate at all times. I have questioned WF executives about their accounting and I've been told repeatedly that the statements will be adjusted at a later time. What kind of BS is that? I am requesting again, that I be taken out of the payment suspension program. I also expect Wells Fargo to provide me with an updated and ACCURATE mortgage statement. It doesn't say much for the credibility of Wells Fargo Home Mortgage that I have to address these issues through Consumer Financial Protection Bureau..

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 2023-03-09
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:
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, 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 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 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 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, Capital one advertises full fraud detection for charges not authorized by the card holder. Yet, after reporting multiple fraudulent chargers not authorized by me ( the card holder ) Capital One refuses to uphold their agreement issued in the card member agreement. 
Starting XX/XX/XXXX fraudulent charges were made up until XX/XX/XXXX. When we reported fraud the first and second time the representative did nothing about it except make a note that we are reporting fraud. They did not change the card number or lock the account. Therefore, fraud continued to be charged until the next day when I noticed more fraudulent charges. When I called the 3rd time and got ahold of a manager he resolved the issue and stated " we made a mistake on our behalf and did not cancel the card, that is why fraud continued to happen ''. I thought it was resolved after this conversation but on XX/XX/XXXX of 2019 Capital One put these charges totaling {$700.00} back onto my account. I immediately called Capital One to figure out why these were put back onto my card. They stated that they could not detect these charges as fraud and that I am responsible to pay for these charges that I did not make. I do not ever use this card and it is likely that my card information was stolen in the cyber hack they experienced in 2019. Knowing this they are still unwilling to help and uphold their agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the accounts 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 LexisNexis AND XXXX, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file U.S. Bankruptcy Court XXXX  XXXX Bankruptcy Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy Court XXXX XXXX  Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft

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 2018-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously submitted a dispute request to the bureau in regards to account reporting incorrect payment history or no payment history the bureau didnt remove the accounts although nothing was provided to be to confirm the account were verified or even my accounts ... I have enclosed proof from the creditor which confirms no information was verified to the bureau

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 2019-10-04
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the debt and requested evidence it related to me in any way and no response and I learn they reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Personal information incorrect

Complaint:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( 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 explanation
Consumer complaint received 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I found out today that Capital One Investing ( which was " XXXX '' ) closed my account that I had XXXX and XXXX stock in. I received an email that had a subject line of " Your statement is now available '' -- that was the way that the statements have by sent for many years. When I went to see how the stocks were doing, the email I referred to said that my account had been closed! I called Capital One, and after a long hold, the customer service rep said they had no record of my account and to try XXXX, When I called XXXX, they told me my account had escheated to the state of Ohio. I have no access to any of my statements now. I filed with the Ohio Secretary of State 's office of Unclaimed funds, but I have no idea how my investment lost so much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX I received notification from XXXX XXXX  ( XXXX XXXX ) at ( XXXX XXXX  XXXX, XXXX XXXX, XXXX, ga XXXX ) that my mortgage was decreased by approximately XXXX/month. Was told that there were some reductions and that was my new payment. By the time XXXX came in, I was hit with a escrow shortage of about 1100.00 which I immediately contacted XXXX to receive a reason. I was told that they made a mistake and didn't include my taxes in their yearly analysis for that year, which gave them a lower payment. There was also an incident where they withdrew my monthly payment TWICE at the same time and send an email saying they would correct the error. I believe this is when the problems started. They told me they were sorry and it was nothing they could do, I had to pay a years worth of this money back equalling about 1100 so my mortgage payment would not go up. I was already putting extra toward my principal so this just cancelled out my attempt to get ahead. Immediately after this mistake my account was transferred to XXXX XXXX   where the same issue came up again based on a domino effect from XXXX and their faulty analysis of my escrow account. I am now short XXXX in escrow and there has been no major changes in my taxes or home insurance to constitute this much of a shortage. I am not making the money that I used to and can't afford to keep paying for these kind of mistakes. I am in need of assistance, my servicing is being mishandled and I dont know what to do about this. Last person spoken with was XXXX XXXX at XXXX XXXX/XXXX. I have email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with 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 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
I have been making payments on my student loans, and I have disputed all three of my student loans on my credit report, yet the lender AidVantage continues to provide inaccurate information to the three credit bureaus. The correct & accurate balances for all three of my student loans have not been accurately reported to the three credit bureaus at all whatsoever even though I have disputed this inaccurate information on my credit report THREE TIMES already. AidVantage IS NOT REPORTING THE CORRECT UPDATED BALANCES to any of the three credit bureaus to which I have disputed this incorrect information regarding my correct student loan balances which gave not been updated on my credit report. My total student loans balances are not {$4800.00}. Please have this updated & corrected, thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Personal information incorrect

Complaint:
Wrong Address and misspelled names are on my credit report after multiple disputes Inaccurately reported jobs on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am an XXXX year old widow. My late husband, who passed away in XX/XX/XXXX, did most of the business transactions for our household. I owned a XXXX XXXX XXXX, which I did not like. I had previously owned a XXXX XXXX, which I liked very much. So, I went to XXXX XXXX XXXX in XXXX, Florida on XX/XX/XXXX and asked if they could help get me into a XXXX XXXX. 

When I left the dealership that day, I had : 1 ) a brand new XXXX XXXX XXXX with a selling price of {$21000.00}.

2 ) a loan in the amount of {$42000.00} from Kia Motors Finance.

3 ) monthly payments of {$640.00}, which is nearly 1/2 of my monthly income ( primarily Social Security ). 

I am not a sophisticated business person, and in hindsight, this appears to be a transaction which the car dealer and Kia Motors Finance should have known was doomed to fail. I believe the car dealer and Kia Motors Finance took advantage of my lack of knowledge about automobile finance, and I am now facing repossession of my XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act 15 USC 1681 section 602 gas violated my rights.

Also, USC 1021 section 604 It also states a consumer reporting agency can not furnish an account with ought my written instructions. 
Account XXXX XXXX XXXX XXXX was paid off and is not showing. I have contacted company nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX 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 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 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