BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Inquiry date XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/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 explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
My husband 's car " died '' on the XXXX in XXXX. He was towed off the espressway by XXXX, NY XXXX XXXX, a company authourized by XXXX to tow. On the bill, there is a {$4.00} charge under Gas/Tire/Boost, none of these services which were performed. I called XXXX and was told that it is a charge for using a credit card. I informed the man it is illegal in New York State to do that and he was surprized at that information. He is was not the owner and got nervous about his job because he did n't realize that was the law and had given me the information. I will not use his name, I do n't want him to lose his job. This business is authorized by a governmental arm of the XXXX and should be held to the law. {$4.00} may not seem like alot to get worked up over, but hypothetically, if XXXX tows a day for 300 out of 365 days a year at {$4.00} a pop on a credit card, that 's {$6000.00}! Maybe they do n't do that much business, they are still ripping off the consumer ; they chose to offer the choice of credit card as a form of payment and signed a contract with merchant services to pay the fees, NOT XXXX customers. As we have XXXX who will reimburse for the tow bill, XXXX should not have to be dunned for this amount either! I would like this business to be investigated for this. Whether or not I get this {$4.00} back, XXXX should not continue to flaunt the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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 requested to receive my title when I paid it off in XX/XX/2022. They sent me a title but not the lein release. I go to the dmv and thats not the correct title and I cant do anything because they sent me a title that should of never been sent and I dont have the lein release still to this day. I called them they told me that I need a wet signature lein release and told me they will fax it. I need my title or Lein release ASAP its been 4 months and they still show they have a lein on me at the DMV. This is Hyundai motor finance

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 2023-07-05
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
I did not give written consent to my private information on my credit report. My rights pursuant 15 USC 1681b has been violated as a federally protected consumer. See attached document with details of inquiries for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2022 : I mailed PMI removal request form with payment cheque to PHH Mortgage Services LLC. Th request form includes list of home improvements I made XX/XX/2022 : The cheque was cashed XX/XX/2022 : I called PHH for followup. No progress was made XX/XX/2022 : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH sent me an email asking for dates of home improvements I made. I responded the same date. 
XX/XX/2022 : PHH told me my request is under review by PMI removal team XX/XX/2022 : I called PHH for followup. No progress was made

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Re : Acct # XXXX According to XXXX and another collection agency called XXXX XXXX XXXX XXXX, I am indebted to them in the amount of {$11000.00}. I have on numerous letters requested validity of their claim. All that l have been receiving spreadsheets with numbers on them. I have reached out to all 3 Credit Reporting Agencies, XXXX XXXX XXXX XXXX, and XXXX  on numerous letters ( Please see attached letters and their responses from XXXX  ) have FAILED to honor my request. 

I have no knowledge of the validity of the alleged debt, nor of the certifiably compliant matter to either its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known to XXXX any debt claim must be pursued for collection in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection regulations associated with said claim to include but not limited to the FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, XXXX has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitant to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim by XXXX and I call on the CFPB to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requires to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive submit multiple documents as they requested to have public records removed. The documents was issued to me via the court house. I asked for them to removed the records or block them. they refuse to saying that they couldn't because the dispute came back accurate. so I can them to provide proof that it was accurate they refuse. I also asked them what was the third party source that they use since they use to use XXXX XXXX but the refuse to give me the name.

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 2022-07-14
Company: EQUIFAX, 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:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
SYNCB XXXX, FL XXXX Was not informed about the collection. Account was made without authorization

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 2017-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a credit card account with Bank of America. They state in their Credit Card Agreement that they are subject to the laws of the State of North Carolina. I have read that they can close my account for any reason which they did. But they did not tell me what the reason was. I have never missed a payment and I am still making payments. I believe my account was closed because I used the Credit Card in   XXXX   XXXX    in  XXXX . Right after I made this trip they closed my account. I have never been delinquent.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX CFPB COMPLAINT # XXXX cFPB follow up complaint # XXXX recent dispute confirmation with Equifax Since XXXX you guys said you deleted this inquiry for XXXXXXXX XXXX XXXX that was made on or around XX/XX/2023 and you didn't! You lied to the CFPB which is a violation and I want to know the steps to get compensated. See attached for the old Identity theft reports as well as complaints where you said in writing it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XXXX I requested a credit line increase for my Marcus Goldman Sachs account and I was denied as they said that I missed a recent payment. This is false as I have not missed a payment on my statements, XXXX XXXX, and XXXX Account. I am complaining as this information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On Wednesday XX/XX/XXXX i applied online to One Main financial for a personal loan and was approved for an unsecured loan for the amount of {$17000.00} providing, according to the approval message received on the site, i would furnish proof of identity and could verify my income.I then was directed to go into my nearest One Main Financial office to furnish said proof. I was again told that if i provided the required info my loan was approved. I had my XXXX tax return and 1099s from XXXX. I was informed that they needed my XXXX tax returns as well. I then asked for an explanation of why they needed my tax returns as i had just financed 2 brand new vehicles with only my 1099 and a statement from the folks who issued my 1099. I asked to see the policy or have it explained that states this request and my request was refused. I then asked, " so the only way i can get this loan is to show my XXXX tax return? ". The branch manager XXXX said yes. I then informed her i didn't have it completed and would need time to prepare it. I then informed her that since she would not provide me with the policy they have concerning my tax info that i was contacting the executive office to get clarification.Executive office explained in detail and informed me to go back to the One Main branch i applied at to finish up my loan. On Thursday XX/XX/XXXX i went back in with my completed tax forms and was then told my application was deleted and now i needed to reapply. They then ran my application again and i was denied because of too many inquiries. Costing me not only the loan i was already approved for but hurting my credit unnecessarily. When i asked why they did this to me and deleted my initial approved app, XXXX stated that, i assumed you didn't want the loan anymore even though i never stated that and was actually only looking for clarification and for my completed tax return which i had my accountant working on in that week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the attached documents. I request the bureau to start an investigation into these accounts. I have never been late, but they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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:
Reached out to company before repossession during first 6 months to let them know that the vehicle was a " lemon '', it had a constant oil shortage in which the dealership suggested I drive there weekly from another city to receive more oil. I called to let credit acceptance know that I didn't want the vehicle due to the issues less than 6 months having the vehicle. 
Before any issues all payments were on time even after having to pay out of pocket I started receiving recall papers in the mail regarding the vehicle however by that time the engine had already went out, I reached out again to the finance company regarding these issues and not being able to pay I reached out to the company again during covid because I was having financial difficulties as was the rest of the world, however they still wanted payments and refused my offer to return the vehicle once again Couldn't work during covid and couldn't pay to fix an engine that I had already received recall about

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 2022-08-09
Company: Experian Information Solutions 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:
Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2019-04-11
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We contacted Quicken Loans Inc. for a cash out conventional refinance. After discussing rates, terms of the loan, etc. we signed a deposit agreement that states, " If your application is denied of withdrawn, for any reason, we will refund your deposit minus the actual cost of your appraisal and credit report. '' We paid our deposit of {$500.00} with a debit card. 

Quicken sent an appraiser out and the appraisal we received was factually incorrect ( acreage, structures on the property, rooms in the home, and square footage ). We were prepared to contend the appraisal and report the appraiser to the XXXX XXXX XXXX XXXX in Missouri. We requested another appraisal or a refund. Quicken denied our request to send another appraiser and denied our request for a partial refund.

Company response to consumer: Closed with explanation