BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C

1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2020-07-23
Company: EQUIFAX, INC.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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:
The items listed are not my items

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One Bank is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: ALLY FINANCIAL INC.
State: TN
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:
I paid off my car loan with Ally Auto on XX/XX/2020. On XX/XX/2020 I received an email stating that the title was released and I should see it in 7 days. I called in XXXX to ask where it was. I was then told that they did not have it that the DMV in CT had it. I then emailed the DMV and was told that they did not in fact have it, that the lean holder has the title. I then called Ally back and was first told that the DMV has it until I told them that I already talked to the DMV. Then they changed their story and said it was already mailed out. I then asked for the tracking information and was told that they miss placed it. They then went on to tell me I had to pay for a duplicate tile and when I refused to do so they ordered one for me. I then received an email on XX/XX/2020 stating it was just sent out to a 3rd party. So I gave it time to get here and it never showed up. I just called them back today and was told it must have been sent to the wrong address and that they would order another duplicate title. My car is now unregistered and I can not drive the car that I paid off in 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX, XXXX  XXXX XXXX  XXXX account XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2022-11-04
Company: EQUIFAX, INC.
State: IL
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 # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and # XXXX XXXX XXXX XXXX has violated my rights. 

According to the laws : 15 U.S.C 1681 section 602A states that I have the right to privacy. Also 15 U.S.C 1681 section 602A section 2, states a consumer reporting agency can not furnish an account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON THE XXXX OF XXXX XXXX ADDED SOMEONE TO MY ACCOUNT AND DEPOSITED THEIR STIMULUS CHECK INTO THE ACCOUNT AFTER 3 DAYS THE FUNDS WHERE AVAILABLE SO I WIRHDREW HER XXXX. AND GAVE TO HER. THEN ON XX/XX/XXXX DISCOVER BANK WITHDREW XXXX OUT OF MY ACCOUNT AND SAID THE STIMULUS CHECK HAD BEEN CASHED SOMEWHERE. I HAVE ASKED THE BANK WHY THEY CLEAREDTHE CHECK AT ALL AND WHY AFTER 15 DAYS DID ALL THIS HAPPEN. ANS THEY WONT TELL ME WHY THEY CLEARED THE CHECK THEN 15 DAYS LATER WITHDREW IT OUT AND PUT ME IN THE NEGATIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Specialized Loan Servicing Holdings LLC
State: NJ
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:
About a refinance application to my existing mortgage with interest rate of 7.5 % I tried several times in the last two years to get a refinance lowering the rates to at least 3.8 % but were not successful due to false credit reporting by the present lien holder Specialized Loan Servicing. They reported that I was 30 days late in payments each month, from XX/XX/2019 to the present according to the credit reporting agencies. Before this loan was sold by XXXX to this company I never had a derogatory credit report and my FICO scores run from 600 to 750. I never missed a payment maybe 10 days late but not consecutive 30 days late each month. As I spoke to another mortgage originator today. I was told about this problem. I have statement records of payment from where my account is which is XXXX XXXX  that will show I never missed payments to this mortgage. 
I really wanted just to refinance and lower the interest on the loan which is extremely high and I could not get it due to this company 's false reporting to the three credit 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 2021-10-04
Company: Collection Management Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX XXXX sold my financial information to a collection agency named CREDIT MANAGEMENT COMPANY without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. CREDIT MANAGEMENT COMPANY has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchant Credit Guide has violated my rights according to 15 U.S.C 1692g-validation of debt. I sent my dispute letter requesting debt validation for account # XXXX I sent my dispute letter thru USPS certified mail. I did not receive any return mail within 5 business days to let me know they received my request for debt validation and are investigating the matter or any documents to verify the debt. which is a clear violation according to 15 U.S.C 1692g ( a ) notice of debt contents and is grounds for removal. Also, on my credit report the balances appear to be changing periodically and due to the non-response, I do not know. To my knowledge the account is inaccurate and has not been Validated

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company repossessed my vehicle which was do to none payment it was the main reason pandemic I explained I couldn't keep the payments because now the pandemic gotten worse then it was They sold it left me with the amount that's is too high it's like made at all they stating that I owe over 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 2020-10-22
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I had a loan with Homebridge ( # XXXX ) and in XX/XX/XXXX decided to take advantage of the VA IRRL program and refinance to a lower rate. On XXXX, Homebridge responded to a payoff request by the new lender, XXXX XXXX XXXX. The payoff request submitted by Homebridge estimated a payoff of {$540000.00} if paid in full by XXXX on XXXX, after adding additional interest for the four days, XXXX XXXX a transfer in the amount of {$540000.00} to Homebridge . On XX/XX/XXXX, Homebridge issued a letter stating that our mortgage had been paid in full. 

On XX/XX/XXXX, Homebridge mailed out an escrow refund check in the amount of {$3000.00}, which was less than expected. Upon reviewing the annual escrow account disclosure statement provided by Homebridge, it indicated that {$2500.00} was subtracted ; however, there was no explanation in the statement was listed next to the amount. 

After 3 calls this past week to Homebridge 's customer service, resulting in over 6 hours of waiting time, a manager tried to explain that the reason that money was subtracted was because the payoff was less than expected and that it should have been {$540000.00}. I tried to explain that the payoff was requested by Homebridge and that they received the amount provided by them. At no time, was I notified that the payoff was short or that they would take this amount from my escrow account. 

I am waiting for an explanation from Homebridge but in the meantime, I believe I am due {$2500.00}. 

Thank you for your asistance in resolving this matter. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ my checking account with Citibank was compromised. Someone gained access to my account information and used it to make online payment for {$6900.00}. On XXXX  another amount for {$4300.00} was sent to XXXX without my authorization. I was not notified via email and had to clue this took place. On XX/XX/ I reached out to Citibank Fraud department, they closed my account and started investigation.

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 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter form Bank of America stating that i have opened an checking account but i DID NOT. So I called and spoke to an agent from fraud dept. stating they will look in to it and I will receive letter from them but never happen, but instead I received another montly checking letter update this month 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 2021-10-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish XXXX shopping. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: CORELOGIC INC
State: DC
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:
CREDCO and XXXXXXXX XXXX XXXX have an inquiry on my credit report. I have not received an offer of credit or a notice of denial of credit. Im not familiar with this inquiry except that it was likely the result of a shady car dealership on XX/XX/2021. 

They told me they only applied directly with manufacturer provided financial services via XXXX XXXX XXXX, so Im not sure why Im seeing CREDCO or XXXX XXXX XXXX on my credit report. I request an authorized use inquiry. If an offer of credit was made, please verify it and provide evidence of the offering. If there was a denial of credit, please verify it and provide evidence of compliance with the adverse action requirements. I am also requesting removal of these inquiries from my credit reports with the three major credit reporting bureaus.

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 2019-10-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Perkins Loan, which I took out as a student at XXXX University in 2010 was wrongfully submitted to a debt collection agency. All of my loans are consolidated and I make monthly payments to it through XXXX XXXX. For some reason, this was not included in that. However, XXXX never reached out to me to make a payment to this loan and marked it as delinquent and submitted it to a debt collection agency. When I was contacted by this agency, they had added quite a bit of fees to it. In addition, it harmed my credit score. I tried to reach out to XXXX to resolve this issue and after bouncing from several different places ( I was always forwarded to a different contact that could " potentially '' help me with the issue ) I was told that the only way this could be resolved was if XXXX withdrew the submission from the debt collection agency. Since that point ( about 3 weeks ago ) I have been trying to reach someone at XXXX to resolve this issue so I can pay the loan in full and work on fixing my credit. However, they keep telling me someone will reach out to me with an answer and I never receive an answer from them. I have tried to reach everyone I can at XXXX and at this point, I am simply trying to figure out how I can have XXXX help me in resolving this.

Company response to consumer: Closed with explanation