BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: CORELOGIC INC
State: GA
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, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.
15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion has failed to process or ignores my request.

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 2020-03-30
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander Consumer USA Took over the car loan from Gateway One Lending & Finance. There was no communication from them. I only realized this when i sent an email to Gateway and was informed that the account is with Santander. I had to try to create my own log in to to get an account number, which this information wasn't provided. i have emailed them three different times about paying the car loan off. There has never been a response back from them.The customer service sucks and they should never be in business. I have sent a payment in full for the car and asked when I would receive my title, and i haven't received a response. When i go on line it still shows the amount due, I sent a check for XXXX, I don't know what type of scam they are running. Both of these companies have left me in the dark about communication and about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : 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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Problem with a credit reporting company 's investigation into an existing problem I was a victim of fraud I told them to investigate and I showed them proof, they didnt fix nothing they sent me a letter to stall in order to buy time and nothing was changed

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 2023-07-01
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
( This is what I sent to them ) Consumer Report To whom it may concern, I financed a car through Hyundai on XX/XX/XXXX. We agreed my payments would be {$260.00} a month. Since the day I made my first payment, XX/XX/XXXX, I have paid {$400.00} a month. I did this to cut down on the interest. I also told them them that any EXTRA money I wanted it to go towards the principal. This is how you cut down on interest. I recently found out that they have not been doing ANYTHING that I have asked. I have called multiple times in the past complaining about this same things just to be told " Oh, we'll fix it for you. '' And then they do nothing. I've called so many times this past month, XXXX, just for someone to tell me " Oh, ma'am we apologize but it's seems like they have been XXXX XXXX you account for a while. '' It shows on my account that I owe way more then I am suppose to. 

The last phone call I made was on XX/XX/XXXX and I was told that because I mentioned Consumer Law that my case needed to be escalated to the powers that be. Go figure. The lady then told me that it can take up to 10 business before someone would call to discuss my case. I said ok. It is now XX/XX/XXXX and I have yet to hear from anyone from Hyundai Motor Finance. It feels like they are NOT taking me seriously and I feel like they are purposely robbing me of my hard earned money. Typically, you're suppose to give a business at least 2 weeks to correct an issue. Well, it's been almost 3 years. I'm done talking, I'm done waiting, I'm done being nice. I have recently disconnected my auto payment and I have decided to no longer make my payments. This is something I have LITERALLY told the representatives of Hyundai Motor Finance that I would do IF they do not correct the problem. They have literally ignored my every request. This is what has brought me to you all. All I ever wanted was for Hyundai Motor Finance to correct my account and to listen to me but they have shown me that I do not matter. So, now I wish to sue them. Sue them for negligence and pain and suffering. All of this could have EASILY been settled had they followed through on their part. 

I have called MULTIPLE times, I have sent emails, and now I have sent a hard copy complaint via mail. Legally I have given you over 30 days to adjust or fix my account and you all ignored me and did nothing. 

If this does not catch your attention then hopefully a lawsuit will. Good day. 

I have filed a complaint with State of Nevada Office of the Attorney General and the Federal Trade Commission.

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 2020-10-21
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: Account information incorrect

Complaint:
Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.

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 2020-07-17
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I tried to despute it on XXXX  but they still keep insesting that I owe almost {$2000.00} AND I only owed them {$50.00} and some change and they are messing up my credit bad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened up an new account with Coinbase on XX/XX/XXXX and followed steps correctly to receive XXXX dollars in XXXX, and I even got confirmation emails ( in the email chain attached, and sent to Coinbase but no response from them ). This support ticket was # XXXX. I also followed all steps correctly for recurring payments of min. XXXX USD and on the XXXX and XXXX recurring payment I would receive XXXX USD in XXXX each, totaling XXXX dollars in XXXX ( attached proof ) This would in total be XXXX + XXXX = XXXX dollars worth of XXXX Coinbase owes me. I attempted to email them and received generic and nonhelpful replies which seemed like no one read my responses. 

I also reached out to them on XXXX, and their support contacted me notifying they would check in on this ( but never did ). On XX/XX/2021 I received an email stating they closed the support ticket, but there was never any solution nor response ever again. I am just asking to receive my XXXX dollars worth of XXXX, as all steps were followed and I tried every way to get a resolution, and it has been around 2 months with no response or solution. 

I have also contacted and filed a complaint with the XXXX on XX/XX/2021 in hopes of getting a solution, but when I contacted XXXX as of today there is still no response from Coinbase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX with TD Bank account # XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. My due date for payment on my account is XX/XX/XXXX as stated in the picture XXXX above. So I did the payment on this date and is showing in the payment list on the picture XXXX above. 
However I was charged a {$27.00} late fee on the XXXX. This is a wrongful charge and it has to be voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
I was unable to dispute a item online and Im getting a error message on my Experian credit report I contacted Experian and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed

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 2023-04-20
Company: Experian Information Solutions 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 unauthorized inquiries off of my consumer report immediately. They are affecting my credit report and tarnishing my reputation. 

These are the inquiries to have removed immediately. 

XXXXXXXX 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 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 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 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent inquiries appearing on credit report. 

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 2020-12-20
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2022-01-04
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:
I have reached out to both Equifax and the Collection agency Named XXXX XXXX XXXX regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while Equifax is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while Equifax is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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, this creditor has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every day for the last two weeks Fifth Third bank calls from number XXXX between XXXX. They never leave messages and often do not respond back when I answer " Hello '' When I finally spoke with the caller one day last week, they requested personal information from me including my DOB and last four of my SSN. When I asked them why they needed it, they said it was for verification of contact information for an auto loan which my wife and I have for her car. They said alternatively I could give this information at one of their branches. I said " fine, I don't give that information out over the phone, especially for the stupid reason which they stated. '' They already have all of the required information from us. We are current on this loan, have never missed a payment and have an excellent credit rating. These calls need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I never lived in XXXX XXXX XXXX XXXX, GA XXXX someone was using my information to attain credit I didn't authorize NOBODY to do so and All the credit bureaus are not cooperating to help me delete off credit i contacted them several times and I also dispute these account nobody cares and no one what's to do anything I send in my police report they still didn't do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: SYNCHRONY FINANCIAL
State: MD
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:
She apologized for my incovience. Said unfortunately unless i can prove i wasnt the peron who actually allowed credit checks etc..

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 2020-09-02
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  solicited and encouraged me to enter into a hardship plan during the Covid-19 Pandemic, offering a 3 moth deferred payment plan, with the promise of a loan modification or deferral of past due amounts to end of the loan. A month after accepting the offer they transferred the account to Shellpoint Mortgage Company. Shellpoint claimed to be unaware of any hardship plan with XXXX, added phantom legal fees and immediately threatened foreclosure. During this same time span my voicemail accounts have been flooded by people looking to purchase the property, undoubtedly companies who are complicit with XXXX XXXX   and Shellpoint Mortgage. Someone needs to look into how many homes has been loss at the hands of these companies,

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