BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: SC
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:
To Whom It May Concern : I recently received a copy of my XXXX Equifax or XXXX XXXX credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX XXXXXXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: ID Analytics, Inc.
State: OH
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 have filed for a copy of my consumer report several times over the past 2 months. They keep claiming they XXXX sent me a letter and then they will provide my with my report after I receive it. 

Then they send an email and ask that I verify my email address. 

3 steps to get a report that I haven't been able to receive still at this current time. 

My rights are being violated and I am unable to acquire the proper financing to support myself and my family. I have attached the adverse action notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXXwas {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between Transunion and XXXX on XXXX XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.

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 2022-02-14
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At the end of XXXX, XXXX, I refinanced my car loan I had originally taken out in the summer of XXXX with Kia Motors Finance. The new financing was through a credit union and they sent me all of the required documentation and confirmed payoff amount and ultimately the cleared check cashed by Kia Motors Finance in XXXX XXXX. The payoff amount was less than {$14000.00} in XXXX, the payoff amount paid was made for more for {$14000.00}. The following month, since I was on Autopay, Kia Motors Finance took out an additional {$450.00}, even though I had gone on their website and 'stopped " the autopay function. I heard nothing from Kia Motors Finance in XXXX or XX/XX/XXXX, although I starting paying the new loan to the credit union in XX/XX/XXXX. In XX/XX/XXXX, I started getting email and text requests from Kia Motors Finance with invoices, as if the loan with them was still active and valid. I went on their website and confirmed my balance was XXXX, yet I still kept getting notices. I contacted Kia Motors Finance through their website and again via phone and tried to get the problem with their accounting resolved. Nothing was done, In XX/XX/XXXX, I got another text notice and it stated that my 'account was past due. ' I again called them on XX/XX/XXXX and spoke with a representative XXXX XXXX or XXXX ) and her supervisor ( no name given ) who gave me a fax number to send the duplicate documentation confirming the payoff to them. The fax number provided did not work. ( XXXX ). I found a way to upload the confirmation documents on the Kia Motors Finance website, even though they did not provide an accurate option or category - I had to use an alternate, unrelated category to get them the documentation they stated over the phone they required to correct the misinformation they maintained on my account with them. I wish they would fix their problems, stop harassing me, and return the overpayment of around {$800.00} made to them last year.

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 2015-07-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Loancare mishandled incoming payments and hence had a chronic issue with late posting and missing payments Loancare dropped the ball on responding to a payment inquiry. As a result of their mishandling mail and then not responding to an enquiry they never recorded the payment which was made by the consumer and conformed by the sending bank. 
Loancare did not acknowledge their inefficiencies and went ahead and just reported a late payment to the credit agencies. 
For no fault of the consumer and lack of proper accountability at Loancare the consumer credit was affected. 
Loancare has to be held accountable for their mistakes but instead since it does not affect them they keep on responding with excuses. 
Full detail on the case is attached which I request be read in detail. This evidence was sent to Loancare and they still responded stating that they did nothing wrong. They can not be allowed to be ignorant at the cost of a consumer. At this rate, the Mortgage company can do whatever they want and a consumer has no way to protect themselves. 

Please note that they will again respond that it is not their fault and that they have responded so. But they need to provide justification for all the points mentioned in the letter attached and can not just claim innocence and close the case. Else what is the point of the complaint if they can ignore the facts each time and just claim that they are not at fault?

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 2022-02-14
Company: BSI Financial Holdings, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
requested payoff from company after them telling me for weeks that my modification was in review, company told me that my modification was in review instead of telling me it was still going to foreclosure, someone came to my house and told me my home was going to auction in the morning and wanted to take some pictures, I immediately got on the phone and asked for a payoff amount to stop the foreclosure. paid the amount they requested, then after the fact they are still saying I owe over 5k on the loan, I have requested a full audit of the mortgage and have requested several times, and still not able to provide a full audit, I need the audit to provide to my attorney. Requested again on XXXX and they told me it would be mailed out in 3 to 5 business days after waiting on the line for two hours to talk with a representative. I would think a company could provide a detailed analysis of the mortgage. I want it from when the loan started. the fees they have charged are not fair and when I payoff request is provided and should include everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, Equifax, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon analyzing my most recent credit reports, I discovered that my personal credit file had been given inaccurate information. XXXX, XXXX, and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, and have continued to report unverified information without providing the documentation needed by law. The 3 Credit Bureaus have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following inquiries to be stopped : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports and as I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$30000.00}

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 2022-07-14
Company: EQUIFAX, 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 information incorrect

Complaint:
Dear Sir or Madam : I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : XXXX XXXX XXXX  Account # XXXX Reason : NOT MY ACCOUNT It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from

my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 XXXXXXXX N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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 non-monetary relief
Consumer complaint received 2021-11-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I, XXXX XXXX, am submitting this complaint for myself without the use of any third party. This is a response to complaint XXXX. My complaint is that " Wells Fargo '' has grossly neglected their civil duty to I, the consumer, by not providing proper disclosures and refusing to verify an alleged debt they are collecting on pursuant to federal law 15 usc 1692g. " Wells Fargo '' has sold my non-public information without any disclosures, and have also seized my property. I have evidence of all of these damages which can be found in my exhibits. I have also made all of these claims under an affidavit of truth, under penalty of perjury. " A complaint alleging negligence must contain the following elements : ( 1 ) That the defendant was under a duty to protect the plaintiff from injury, ( 2 ) that the defendant breach that duty, ( 3 ) that the plaintiff suffered actual injury or loss, and ( 4 ) that the loss or injury proximately resulted from the defendant 's breach of the duty, '' [ XXXX XXXX XXXX XXXX XXXX, 898 F. Supp. 2d 912, 918 n.4 ( D. Md. 2012 ) ( quoting XXXX v. XXXX XXXX XXXX, 916 A.2d 257, 270-71 ( Md. 2007 ). " Wells Fargo '' owes me a duty because " banks owe a duty of 'ordinary care ' in all banking transactions wherein a bank wrongfully disburses funds. '' Opp'n 2, ECF No. 16-2 ( citing Md. Code Ann., Com. Law 3-103 ). I have, and presented, evidence that " Wells Fargo '' has breached such duty by the reckless use of my private information and violations of FDCPA, TILA, and FCRA. I have evidence that I have suffered a loss of my property, an injury of my reputation, character, and equity. I have, and presented evidence that all of these damages are arising from the fraudulent behavior from " Wells Fargo ''. I also now have proof, which can be found from " Wells Fargo '' last correspondence from XX/XX/XXXX2021, that " Wells Fargo '' is intentionally, grossly neglecting my complaint in the face of legal evidence which can be found in all of my exhibits, when they state " You expressed concerns regarding the validity of your loan. Since no new information was received, our position remains unchanged. '' It is a fact, that " Wells Fargo '' has received new information, and have yet to properly respond to the first. " Wells Fargo '' has been addressed in the form of an affidavit ; any response not in such form may result in a default judgement. I am willing to settle this dispute. Nonetheless, any more false information from " Wells Fargo '' will lead to me to pursue litigation against " Wells Fargo '' in the proper federal court for multiple violations of my federally protected rights in the face of evidence.

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