BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-11-28
Company: NCB Management Services Inc.
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:
Good afternoon, Ive previously disputed this debt XXXX with a letter and phone call. The reporting for this debt is wrong, date opened, last active to name a few. Please see attached credit report, the notes read previously furnished however the information is still incorrect. The fair debt collection practices act had been violated on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or before XX/XX/XXXX, I contacted Select Portfolio Services asking about the maturation date of the loan. They told me XXXX. I told them that can't be right because I brought the house in XXXX. However, she told me I received a loan modification in XXXX. I never had a loan modification in XXXX it was XXXX. So, I asked for all the paperwork and they didn't send it. I have requested all my paperwork for the XXXX time. I received 3 years of payments and the amounts were changed... Showing, XXXX XXXX XXXX  placed at the end of the loan. I asked her where did the XXXX additional years come from because I did not agree to that and had no knowledge of that amount. She started ro make excuses telling me that they didn't own the loan because XXXXXXXX XXXX owned the loan. I was told my loan was transferred to SPS and now they're telling me that they are not responsible for anything and not the owners. I have been making payment to SPS and all the paperwork comes from them. They have fraudulently placed an additional XXXX  years on to the house plus a XXXX XXXX XXXX  at the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to close escrow on my mortgage, the lender for which is Mr. Cooper. I purchased my home in XX/XX/XXXX for {$470000.00}. The XXXX of XXXX re-assessed the property value of my house for tax purposes as {$520000.00} on XX/XX/XXXX, and I have documentation from them that states that my valuation is {$520000.00}. Because this is the city 's official valuation ( and is the basis for my taxes ), I believe it should suffice as the official valuation for my lender. My outstanding principal on my loan is {$420000.00}. The lender previously stated that I could provide the official letter from the city as proof of my valuation, and I intended to do that and make an additional payment of {$5600.00} to reach the XX/XX/XXXX principal to loan ratio to close escrow. However, when I called Mr. Cooper today they said that they would not accept the city 's valuation, and would require me to get a new appraisal by an appraiser of their choice, for which I would need to pay {$350.00}. Moreover, they said that the entire process would take months, during which time they will continue to escrow. I do not understand how it is fair that the lender will not accept the city 's valuation ( which informs my taxes ), and that they get to choose the appraiser, who will most likely value my house in line with what the lender wants ( which will likely be the {$470000.00} sale price from over 2 years ago ). Mr. Cooper is escrowing {$940.00} per month, so this is a significant financial issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to this bank on XX/XX/XXXX to get information on the Property insurance on the building of which I am a cooperative shareholder. This bank refused to provide the information given that they just conducted a refinance where the Assignment of Leases and Rents requires that " The premise shall be kept in good order and repair, and all Federal, State and Munciipal laws, rules and regulations applicable to said premises shall be complied with by XXXX. This is not the case because I have a mold violation on my unit which is on the very top floor of the building which was place by New York XXXX XXXX XXXX and XXXX. Moreover, an open violation report from the New York XXXX XXXX XXXX and XXXX so that other units on the XXXX floor as having the same issue with water leakage and mold which means that the XXXX is not maintaining the building. I want the policy information to file for damages to repair my unit. This is an unsafe situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Kia Motors Finance overcharged me for excessive wear at the end of lease. I wrote them several letters and included quotes from repair shops which indicate the over charge. The threatened to report me to the Credit Bureaus and I sent them another letter restating my position. They finally came back with a reasonable settlement amount, which I paid according to the deadline they indicated on the letter and Kia Motors Finance went ahead and reported me delinquent to the Credit Reporting agencies. This was totally unfairly done and I still have this on my credit report. I would like this removed. Kia Motors Finance was found guilty in a court action of improper and unfair credit reporting practices, that I experienced.

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 2022-06-25
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:
In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
State: LA
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:
Over 12 years ago, Lowe's/Synchrony Bank , closed my Lowe 's credit card for non-use, I paid the card in full, but they wanted to come back with interest charges, then late fees, etc. I told them and have proof that the debt was paid, except for the " after-the-fact '' interest charges, so I refused to pay the interest charges, so they started tacking on late fees, collection fees, legal fees, put it on my credit report ... it has rolled off my credit report and now I have collection agencies and this " arbitration '' firm, XXXX XXXX XXXX calling me , threatening to take me to court to collect. Calling me at work on my cell phone and threatening to serve me court papers at work, hanging up on me when I try to explain the situation, 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 explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-08-03
Company: Experian Information Solutions 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 been trying to reason with XXXX credit about my credit reporting, every time someone looks at my credit all other credit bureaus take 5 maybe 10 points off, XXXX XXXX XXXX points the minimum, I'm no understanding WHY??? I have called try to explain multiple times now since i made them mad they just took XXXX points and i was told because i Purchase a house and have a Morgage. REALLY???? I WAS TOLD TOO BAD BY THIS LADY XXXX XXXX XXXX, JUST BECAUSE I HAVE A MORGAGE NOW I NEED TO BE PUNISH, NOPE DONT THINK SO First of all this is not a government entity and there for no they should not have my information don't care that someone invented to mess up with people 's life 's. NOT A GOVERMENT ENTITY

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 2022-06-06
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, Experian, XXXX and XXXX, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account.

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 2022-06-25
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX wrote a check for sons wedding reception dinner. Vendor cashed it XX/XX/XXXX and Ally decided not honor it on XX/XX/XXXX. Had I not been reviewing my account I would never had known. No phone calls, no emails, no communication whatsoever. The reason given was that I have sloppy writing and they thought the check was post dated XXXX. I guess if you stretch it was messy, but who post dates a check for XXXX? Really? I also think there an accessibility component to this. XXXX with some XXXX, sure might be a bit hard to read, but why wouldn't they call, especially on such a large amount. I could almost see if it was a {$30.00} check. All I really asked Ally to do was to offer to cover vendor expenses from their poor judgement. Nope, Every agent ( except XXXX, he was wonderful ) said I am to blame. I spoke to a Chat agent and a supervisor XXXX ( Agent # XXXX  ). No help. they could expedite a check for {$15.00}. Awfully not nice of them. I would think there would be some protections around this.

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 2022-09-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am complaining because Credit acceptance has harassed me continuously. Ive asked multiple times since the pandemic started if my payments can be lowered due to me losing my job. I was mocked and humiliated because I was unable to make my payments on time. Every representative that I have spoken with has been rude. This company is refusing to lower my payments and is threatening repossession. They call me non stop and its causing XXXX XXXXXXXX I am getting back on my feet and would like the harassment to stop. I am a single mother trying the best I can and the representatives make me feel less than a person. Something has to be done about this immediately! Credit acceptance keep putting late payments on my credit which is causing my score to decrease, putting me further behind in 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 non-monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-12-20
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened a Citibank Priority checking account with a promotion {$1000.00} cash deposited balance after 81 days per their website and promotion online. Depending on the amount of funds you deposited. Mine was {$75000.00} and I would receive a {$1000.00} deposit after I met the requirements. On XX/XX/XXXX I met the requirements of the promotion and have called 3 times and spoke to XXXX and managers and they keep telling me they have 90 days to deposit. This is not what their website said when opening the account. I called again on XX/XX/XXXX and was told 30 days and I called again XX/XX/XXXX and was told 90 days by the XXXX person and her XXXX at XXXX. They are in breach of what their online advertising says and under most pretenses most customers would just wait. Pursuant to their website of them having 30 days to deposit the funds. They are gaining my interest off me and therefore pushing their obligation to me ie the bonus to even out their funds. This is wrongful and therefore I wish these promotion items to be investigated. The consumer should not have to full fill their obligation but the banking institutions get by using our funds for their gain and not full fill theirs.

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 2022-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$850.00} on XX/XX/2022. I used my card to open a tab at a bar in XXXX, SC. I was charged the {$850.00} by the business and disputed the charge with Chase two days later after. I did not initially notice the charge, someone charged my card the extra {$850.00}. I told Chase the charge was fraud and they decline my fraud claim a few weeks later. I called Chase and they said it is a separate issue since I used my card after the charge was made. I did this because I did not know the charge was even made on my card until I reviewed my credit card statement. Chase is not refunding me for a fraudulent charge. Chase issued me a new card after I flagged that charge as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 2022-04-24
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Type : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$470.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Date Last Active:XXXX  XX/XX/XXXX Date of Last Payment : - As you can see, the account was disputed, but the inaccurate information was not removed.

Company response to consumer: Closed with explanation