BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
Leased vehicle was returned on XX/XX/20. Final check # XXXX of {$990.00} was mailed on XX/XX/20 to pay off the remaining balance, posted on XX/XX/20 on their website incidicating payment was received. The withdrawl also appeared on my bank account on XX/XX/20. Shortly after this I have started to receive calls from Kia Motors Finance ( KMF ) indicating my payment was not recieved and there was an outstanding balance of {$990.00}. I spoke to several individuals over the phone at KMF and have gotten very different explanations each time. I was first instructed to wait 7-14 days due to the check possibly not getting posted on their end, even though my bank statement showed the transaction. After this incident I spoke with another individual who requested my check number which I provided and he explained to me they would have a supervisor look into this matter and contact me via phone. I never heard back from the supervisor, each member of KMF indicated they saw the comments from the last employee I spoke with however nothing was done. Most recently within the past few months ( XX/XX/20 ) I was advised I need a copy of the check in order for them to look into this matter. The transaction that took place on XX/XX/20 from my bank indicated my check was converted to an electronic transaction by the merchant. ( KMF ). Due to this I was unable to obtain a copy of the check. I have contacted my bank as well and they only have the transaction that took place on that day. On XX/XX/20 My credit reporting agency alerted me that I am deliquent on this payment. I have once again contacted KMF explaining this charge has already been paid off and I have documents I am willing to send over to support this. However, KMF always gave me the same response now that I need a copy of the check and they were not sure why it got converted to an electronic transaction. I most recently on XX/XX/20 recently filed a dispute with XXXX  indicating this information is not correct. On XX/XX/20 I received my dispute back results indicating this information was reported correct however the KMF loan indicates the account as closed but I still show the negative impact on my credit report. Thank you for taking the time to read this, I would like this issue to get resolved 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 explanation
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX did a hard inquiry to my credit report in XXXX XXXX and again in XXXX. When I switched my account from business XXXX to individual XXXX XXXX proceeded to do another hard inquiry on my account despite the fact that they were informed that it was the same social security number and I did not agree to a hard inquiry on my credit. They were informed that if they had to run a hard inquiry on my credit report I was going to close my account. I was assured by the customer service representative that they were not going to run my credit again. When I pulled up my credit report it appears that despite the recorded message of me NOT agreeing to another hard credit inquiry XXXX went ahead and proceeded with a hard credit inquiry. Once again I never agreed to allow XXXX to run my credit for the second time as my recorded message would indicate. I have notified XXXX on several occasions both in writing and over the phone that this is unacceptable and XXXX has done nothing to rectify the situation. I am therefore asking for your assistance in this matter as this company can not be trusted to do right by their customers.

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 2022-04-21
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I first took out my mortgage I was married at the time and the loan was based on my husbands income of XXXX a year with him as the primary and me as secondary. We have been divorced since 2015 and he have me the house in the divorce and has also quick claim a deed and sent to mortgage company and court house. I only make XXXX a year and have asked many times for a loan modification and have been denied. My current mortgage is higher now then what it was before due to escrow. I am struggling financially and have XXXX children to support. I have been making my payments each month but in past I have fallen behind when between jobs. When I am late on a payment the company sends a letter stating they can help with a loan modification-Or type of assistance that would give me a few months to get financially better but deny me when I call. I need to make some home improvements and catch up on other debts. This mortgage company will not work with me and base my mortgage on my current income nor will they take my ex husbands name off of the mortgage. The mortgage company is Vanderbilt mortgage company

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 2022-04-21
Company: GOLDMAN SACHS BANK USA
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:
As of this day Goldman Sachs Bank USA remains unjustified on my credit report..In XXXX I file a FTC Identity theft report and police report and account was removed..However, as of XX/XX/XXXX it has reappeared on my credit report after 4 years..I contacted the 3 credit reporting agencies XXXX, XXXX, and XXXX was told this company reinserted there name on my credit file in the amount of XXXXThis company continues to violate the Fair Credit Reporting Act and the fair debt collection practices Act related to Identity fraud..I have provided all necessary documents to clear my name back in XXXX and this account was deleted..Now it has been reinserted after 4 years..I am reaching out to the CFPB to protect me as a consumer from creditors such as Goldman Sachs who violate federal law without any repercussion..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A short sale request has been placed with US Bank - and they have not made a response in over 30 days

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 2016-11-03
Company: LOAN TO LEARN
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at XXXX. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until XXXX. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to pay and that I would still be reported to the credit bureau for delinquency. I am not sure how to get them to work with me, other then have them send me forebearance paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX XXXX  loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX XXXX  that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX XXXX  or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Problem getting your free annual credit report

Complaint:
Hello, I have contacted Transunion to receive my annual consumer report and they have refused to issue me my consumer 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 2022-04-21
Company: Experian Information Solutions Inc.
State: CT
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:
I wrote these letters to them over 1 month ago with no response. Please assist 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 explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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. 
Office of the XXXX  XXXX account # XXXX, XXXX XXXX account # 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 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. 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.

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 2022-08-17
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-12-04
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting an XXXX XXXX  # XXXX on our credit reports that one was closed and paid in XXXX of XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Accnt # XXXX in the amount of {$7900.00} has violated my rights posted by the Credit Bureaus on or around XX/XX/2020. 

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 : States " A Consumer reporting agency can not furnish an 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 2016-02-11
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have requested a new relationship manager more than once because the one we are assigned to does not return our calls within 24-48 hours. She does not put correct updates or information that we give her in the computer system. She does not answer calls when transfered to her ext. We have spoken to others in her department more often than speaking with her. 

The other issue we have is trying to be changed from the short sale review over to the home saving options review even after submitting all paperwork. It has been 30 days from the day we made that request and sent in all paperwork that was asked for. The mortgage company have been telling us that there are no updates at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting on my credit that I owe them XXXX from back in XX/XX/XXXX but I did not open an account until XX/XX/XXXX, I feel that my identity was used without my knowledge because I do not have a balance with XXXX and still use them as my phone carrier today.

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 2015-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found out there was a judgment placed against me for a CC account that I never opened. Upon finding out about this judgement, I contacted the circuit court, who gave me the information of the company who filed the judgement. I finally tracked down the original company ( XXXX XXXX XXXX XXXX ) who took the account with hopes of collecting the defaulted funds. Through constant communication and filing an ID Affidavit with there company, XXXX consented verbally to XXXX to remove the fraulent account from my record. XXXX sent written correspondence for XXXX and Experian to do the same. XXXX also notified both agencies to inform them that the accounts were removed on my other reports. I, too, sent correspondence letting XXXX and Experian know as it was suggested that I do so to ensure that my credit reports reflected similar, accurate data as much as possible. XXXX reviewed the info and removed the account from my report. Experian has refused to remove the report although I have provided them with the same information I gave to XXXX, XXXX, and XXXX proving that this judgment should have never appeared on my credit reports. I do not feel like I 've received serious or effective assistance from Experian in a manner that effects my current and future livelihood.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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 XXXX XXXX Account # 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions.

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CBE GROUP added something on my credit for collections but I dont owe anybody anything I had made a report with you guys for receivable management system and they removed it because they were reporting on my credit XXXX times a week which is wrong plus it was on my credit too long so they removed it but I believed they sold it to this company CBE GROUP XXXX  XXXX XXXX has been harassing me too long and wont stop! This CBE GROUP lowered my credit score today!

Company response to consumer: Closed with explanation