BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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  15 USC 1681 Section 602 states that I have the rights to privacy. 

15 USC 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
to whom it May concern. The present is to show that since I lost my old job on XX/XX/2019 I have been requesting help through the bank that I have been assigned to pay my mortgage loan which is called Nations Direct Mortgage. These people offered me a help system called Loss Mitigation to approve something called Forbearance and then a Loan Modification since I was unemployed. These people required me a number of papers to be sent to the following e-mail : XXXX, but it has not helped since they continue to request the same papers that were already sent. I have even made arrangements by calling the offices to verify if the documents are correct and they have confirmed yes. I have phoned the bank in charge of my mortgage loan and the service provided to me has been the worst ; from insults to hang up the phone. I need to resolve this situation in the most professional way possible and without empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: HYUNDAI CAPITAL AMERICA
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I believe XXXX Kia was negligent in their responsibilities for not giving me full disclosure of my sales agreement with them. I am missing an important page in my agreement that will give me full disclosure of the contract and it was withheld either negligently or purposely either way it is a violation.

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 2022-12-26
Company: Braviant Holdings, LLC
State: FL
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 reporting act XXXX  account : Rise XXXX  XXXX  Account # XXXX Balance Credit Account # XXXX XXXX  card Account # XXXX USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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.Due to Hurricane XXXX and my payments are scheduled on an auto pay as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I have contacted XXXX and Transunion on several occasions ( XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 and XX/XX/2019 ) in regards to fraudulent accounts/public records on my credit report. They have done everything BUT follow the FCRA. They have refused to accept my FTC report/police report pursuant to Section 605B. Transunion is asking for another affidavit stating it does not look like an original when it  was printed from the website. XXXX has sent letters stating they can not locate my file. Then a letter confirming receipt of my letter mailed XX/XX/XXXX. They are not compliant with the FCRA. I have previously filed a complaint with CFPB and not only did they take longer than allotted to respond they did not fix the issue. XXXX  continues to ask for proof of identity which I have supplied SEVERAL times.

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 2022-08-09
Company: Experian Information Solutions 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:
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 USC 1681.

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 1681 s-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. 

XXXX - ACCOUNT NUMBER- 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 2019-11-15
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon, I have for many years been writing and calling ect. I have not been able to resolve this. When i go to get my credit report checked for an apartment or a car it shows 8 to 10 closed accounts since XXXX. I am in good standing with my loans for a long time now with a XXXX XXXX. I been denied for many years because it shows all account on as closed and all i want is it to be removed. I recently just disputed them once again and now they are going to stay on my report til XXXX which i find is unacceptable. I have written letters to all creditors one by one 2 years ago no response. I have also called them as well and no one can seem to help me. I am also working with Massachusetts attorney general because the school i have attended was shut down for where these loans were used for and i have been struggling for years to clear this off my report and i feel helpless now. I would like to see if i can get help to solve this for my future and my family as well. Please i would really appreciate this so much. 

Thank you 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 explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: NV
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:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my 3rd set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MI
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:
Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Date : XX/XX/XXXX Amount {$200.00}

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 explanation
Consumer complaint received 2022-01-28
Company: AMERICAN EXPRESS COMPANY
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged to separate transactions on an American Express card of mine that totaled over {$30000.00}. Upon calling AmericanExpress, they agreed that these were not my spending habits and not to worry about it. Originally they removed the charges. Several weeks later I received a call from someone that worked for American Express. He stated that they have evidence linking the charges to me ( even though I could not imagine how that was possible ) I suffer from severe anxiety and when the man from American Express told me that if I did not retract my statements stating this was fraud then he would be reaching out to the FBI and I would be imprisoned for a long time. At the time I panicked and said okay fine just say they weren't fraud. He stated " I can't do that, you have to call the number on the back of your card and say it was not fraud. I did that. After a couple hours I thought something didn't make sense, when I called American Express they said they would never do that. A week later I called again and they said they can't help me. I requested all " proof '' they have of me spending this money, over a 6 month time period they continued to tell me that the proof was in the mail. It never arrived. I was put in a horrible position and suffered from this. I am not someone that won't pay my debts, I am not a criminal, I am not a crook, if I charged something I will pay it. But someone needs to investigate this, it is not fair. Please Help. Just ask for this " proof '' they claim to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Ability Recovery Services, LLC
State: GA
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:
The Account from Ability Recovery Services has been removed from all credit bureaus with the exception of XXXX. I received a credit alert that the account was removed and then readded to my XXXX report in XXXX. 
Also, I have yet to receive any form of validation from this company as they allege. The date was also reaged.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 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 2023-08-31
Company: Southwest Credit Systems, L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Left a derogatory public record on my XXXX Credit Report. Southwest Credit System left a closed account of {$290.00} dollars. I called XXXX to file a dispute, to which they told me that the derogatory record is correct. I then called Southwest Credit System to have this removed, to which they told me that I still need to pay the closed account, even though IT IS NOT ME. I explained to them that I was born in XXXX, and it is physically impossible for me to have made an account with them during the time it was made. Ask them when that XXXX account was opened and compare it to my date of birth. The numbers do not add up. I was a minor when the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2019-07-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was under contract on a home after receiving lending approval on XX/XX/2018 and an approved purchase amount from NACA. 14 days prior ( closing was scheduled for XX/XX/XXXX ) to my scheduled closing date NACA informs me that they are unable to honor the approval. Which are due to the errors of their own underwriters, licensed mortgage counselors and home counseling staff. 

I have multiple written correspondences with the approval date and amount, as well as attempts to eliminate any potential issues prior to the end of due diligence periods however their counselors, management staff and underwriters were non responsive via phone and email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Service Finance Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We were billed twice on the same day for the same month of service last XX/XX/2019. We contacted Service Finance immediately and a representative told us that management was responsible for the error and we would get a check by the end of the week. I called at the end of the week to see if the check had been mailed out and was told that management had now decided not to send a check but they were going to apply it to principal. I told them that was unacceptable as I had a witness while being told over the speaker phone that management told us they were responsible and was their error. Then another representative later told me that in the state of Florida  it is not allowed to have a witness overhear a conversation. I do have a XXXX area code that is for XXXX XXXX, Florida, but I told him I am a resident of North Carolina and the loan is in NC for 2 Sunrooms. I believe he was surprised by that but continued to say I entered the information twice for payment and was not going to get a refund or any cashback of the {$74.00} the XXXX XXXX XXXX charged me. Now, due to a software called XXXX at XXXX XXXX XXXX, I received a overdraft fee of {$140.00}. I was told I would have received a full refund if I didn't have the previous {$74.00} charge. On XX/XX/2019, XXXX XXXX said they based their decision on the fact XXXX XXXX told as a response to my complaint that If they had been at fault in any way with respect to the erroneous payment, we would have absorbed all fees imposed on Mr. XXXX. Remember I had already been told and had a witness which we are now creating an affadavit and having a Notary sign it with signatures from me and my witness declaring management was going to take full responsibility for the problem and would send us a check back. This erroneous information given to a federal regulating governmental agency has caused me 'damages ' and XXXX XXXX Dispute Resolution said the first action to take is to dispute the second ACH withdrawal that was 'not authorized ' nor entered my me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 XXXX XXXX XXXX ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX  CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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  has violated my rights. 15 U.S.C 1681 section 602 A. states I have 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 2 ; it also a 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 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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I walked into the dealership on XX/XX/2022 to make a consumer credit transaction for a car. However, on XX/XX/2022 I didnt leave with anything but inquiries on my credit report. My credit report was pulled by Capital One and inquiries were put on my report saying that I applied for a loan from them, when all I did was go to the dealership and try to purchase a car. I have no idea how they got my information and why they pulled my credit report. They also received compensation from pulling my credit report and I received nothing in return. That is an unfair transaction per the truth in lending act and per 15 u.s.c 1611 and 15 u.s.c 1640 they are criminally and civilly liable for the crimes they have committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: First Technology Federal Credit Union
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX. 

I was advised that I would get the approval within 24 hours from the Financial Representative helping me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation