BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern : On XX/XX/2018 I sent a dispute via USPS Priority Mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to TransUnion wherein I disputed XXXX XXXX with a corresponding account number beginning in # XXXX. 

On XX/XX/2018 at XXXX XXXX, TransUnion received my dispute as recorded in the USPS tracking history. 

To view the tracking history please visit : https : //tools.usps.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/2018, TransUnion sent correspondence stating that my initial correspondence was received on XX/XX/2018 and additional information was received on XX/XX/2018, which allows TransUnion fifteen additional days . Therefore, my investigation would be completed on or before XX/XX/2018. 

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

It has been 45 days since TransUnion received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file. Based on the previous information, I am hereby demanding deletion of XXXX XXXX with a corresponding account number beginning in # XXXX from my TransUnion file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account ONLY deletion. Furthermore, in accordance with s.1629e ( 8 ) of the debt collection practices act which clearly states that any information known to be false can not be reported to any credit bureau , I request that TransUnion immediately delete this information from my credit reports or else I will be forced to
immediately proceed with litigation to recover damages caused by TransUnions willful and negligent noncompliance of the Fair Credit Reporting Act.

If the account in question is removed from my files, I will consider the matter to be closed and no further action will be taken.

Please send me a copy of my updated TransUnion credit report as soon as the above has been completed. 

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( 9 ) Transunion Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a VICTIM of Transunions " Inquiry Issue '' and have listed above, the inquiries requested to be deleted. Their customer service would not help and take care of these negative inquiries that are reporting 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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2017 I requested my billing address be updated. The agent assured me it was updated. However, I received a notification that I was 30 days late in paying the minimum amount due, {$31.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2020 I had a fence installed for my dogs. XXXX XXXX XXXX was the installer ( XXXX ). The recommended Mariner Finance ( XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TN XXXX XXXX ). The problem Ive had almost from the beginning has been a late charge of {$29.00}. The loan was conditional on my giving Mariner access to my checking account so they would be able to withdraw the payment each month. This was supposed to be set up in the very beginning. I ended up spending a considerable amount of time on the phone month after month. I was repeatedly assured that it was set up correctly. Last week I received a text telling me that I was late making the payment. This meant that there would be yet another late charge. As I mentioned previously the loan originated on XX/XX/2020. To date I have been billed 5 late charges of {$29.00} each for a total of {$140.00}. Im a XXXX veteran with health concerns that include XXXX XXXX. Calling the local branch and their headquarters in XXXX, Maryland ( XXXX ) has proven to be a complete waste of time. Im expecting that this has happened to others and a quick search on XXXX   verified this to be true.

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 2018-10-16
Company: EQUIFAX, INC.
State: IL
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:
A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Phoenix Financial Services LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt showed up on my credit report about XX/XX/XXXX i have no knowledge of debt contacted debt collector apparently it is a hospital bill from XX/XX/XXXX. 5 years ago. I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been living in the XXXX since XXXX after spending the previous 8 years living in the US. Someone has fraudulently used a Capital one card in my name and incurred many fraudulent charges this year in XXXX while I have not been in the country. I registered these charges as fraudulent, but I have since incurred interest charges through missed payments on the Fraud, that I obviously am not liable for. I have requested on XX/XX/XXXX to close the account and investigate the charges. it is now XX/XX/XXXX and the charges have not been removed and I am still incurring charges, effecting my credit rating in the USA. I have called multiple times and have been passed from department to department, making it very difficult to speak with the correct people. The last time I called I was directed to 'collections ' to try and have me pay the fraudulent balance. Capital One have not done anything to resolve this situation and I find myself calling them daily many months after the original request to close the account and clear the balance was made. I can verify that I have not been in the USA in XXXX and can not possibly be liable for any of the charges made in my name. I am finding their service both ineffective and hostile to resolving problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted the CRA many times regarding this XXXX error. I won my lawsuit against the company and they still have it as negative on my account as a charge off and that is incorrect. I do not owe XXXX any money in addition i sent them the court documents with the judges signature. They are purposely affecting my credit report as they are being paid by XXXX to not have it removed. As per the paperwork the judgement amount is XXXX. Meaning i do not owe. I sent this information via certified mail as well. This is at least a years worth of damage. I plan on suing the credit report agency if they do not remove this negative XXXX account off of my credit report. As this financial issue has a negative burden on my life.

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 2018-10-16
Company: EQUIFAX, INC.
State: ID
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Equifax, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something to remove XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: ID
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. I contact the credit bureau Experian, but they did not help me, the accounts are still on my credit report and it is hurting my credit score. CFPB do something about it and remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-10-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018, I opened 2 business checking accts at Suntrust Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I requested to deposit XXXX dollars into the first acct and XXXX dollars into the second acct. 

Branch mgr. XXXX XXXX erroneously deposit the amounts into the wrong accts, with XXXX going into XXXX and XXXX into XXXX. I then wrote one check and two ACH transactions on the acct ending in XXXX, which, if not for the bank error, would've been covered. 

As a result, we have so far incurred two NSF fees in error, including one on a XXXX dollar check written to a XXXX XXXX, who deposited the check into her XXXX XXXX acct, causing fees in her acct as well. 

I learned of the error today, XX/XX/18, when entering the branch. Banker XXXX XXXX said she was unable to move the money to reverse the issue, unable to reverse fees, unable to let me withdraw funds or even close the accts. because the accts. had all been flagged for fraud, again, due to the bank errors. 

This is causing major problems for me, my business, my nonprofit, and Ms. XXXX. I had offered to meet her with a cashier 's check, but now Suntrust is holding all our funds. 

I left a voicemail for district mgr. Asst, XXXX XXXX, have not yet received reply. 

I asked to speak with Fraud dept, but they will not let me.

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 monetary relief
Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
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:
I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( Date of Late Payment )

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 2018-10-16
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage account with US Bank for a year and per XXXX XXXX they are reporting that I've been paying 30-59 days late every month since XX/XX/XXXX. US Bank had contacted me by phone and I had advised them that I had sent them a physical check on the mail back in XX/XX/XXXX but it turns out I sent the wrong check to US Bank address. I don't believe it to be fair that one payment being late should then make all payments going forward to be considered late. 

I recently set up automatic payments directly from my bank account to ensure they receive payments on time and made a double payment to bring my account back into good standing. 

This is severely affecting my credit score and ruining my chances of getting new credit lines.

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 2018-10-16
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously.

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 2018-10-16
Company: Experian Information Solutions Inc.
State: IL
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:
A Bankruptcy is being reported on my credit reports. When disputed I was informed that the item was verified and when I followed up I found that the proper channels and procedures were not used to verify the information per the FCRA. 

The CRA failed to contact the original furnisher listed on my provided credit report Required by section 611 of the FCRA : OHIO FEDERAL COURT -XXXX XXXX XXXX XXXX XXXX , OH Instead they used a 3rd party Called XXXX . XXXX is not eligible to be referred as a Furnisher due to being a consumer reporting agency itself. 


To Further the issue I have received written confirmation that the court itself does not verify or provide any information to any 3rd party entity. 

This being the source making the information unverifiable per the FCRA and should lead to its deletion. 

I have disputed this issue and have also informed the CRA of the violations and yet still received a verified response with no further information. 

I have disputed this information several times and now ask for your help.

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 2021-04-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX  XXXX in XXXX in XX/XX/2020 and moved to XXXX about a month later. According to the lease document from XXXX XXXXXXXX XXXX XXXXXXXX, in XXXXXXXX XXXX, I was to pay a total of {$750.00} Ohio sales tax for the life of the three-year lease which was divided up into 36 payments of approximately {$20.00} that were included in my initial monthly payments of {$310.00}. 

When I moved to XXXX in XXXX, Hyundai Motor Finance tacked on an additional {$22.00} in XXXX sales tax. So now my total monthly payment is XXXX and I am paying sales tax twice on the same vehicle. 

I have tried every outlet. Hyundai Motor Finance refuses to deal with this matter and referred me to the State of XXXX and State of XXXX sales tax departments. I contacted both agencies to resolve this matter and was denied by the State of XXXX saying the vehicle was leased there and thus its their right the money, whereas the State of XXXX, after giving me the runaround for several months, eventually denied me also, giving no clear reason for their refusal. So I am up a creek without a paddle and have been paying sales tax twice on the same vehicle for 10 months and counting. 

No one seems to want to help with this matter which everyone agrees is wrong so I am contacting you.

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 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I experienced a hardship during a natural disaster ( hurricane ). I spoke to a representative at Capital One and was advised of a deferred payment due to this hardship. As a result of this i suspended my automatic payments for this account. I realized about a month later that this non-payment in XXXX is now being reported late. I spoke to customer service and was advised this would be corrected. Two months into the investigation i received a letter for capital One stating nothing could be done. I think this is unfair and should have been handled differently by the representative ; i think giving out false information at the time of my hardship and saying i had one less thing to worry about was horrible and showed how uninformed the customer service rep was at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A balance transfer I initiated was cancelled without notice and the company was unable to provide me any details ( twice! ) on why it was cancelled besides that it was cancelled. Furthermore, I did not receive any notice electronically or even a voicemail regarding this issue and now have a pending authorization on a transaction that is listed as cancelled -- preventing me from actively using the card again for this purpose.

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