BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/22, I identified items on my report as fraud and requested the items to be blocked and deleted from my report ( see attached ). 1st FTC report was filed on XX/XX/22 and TransUnion initial CFPB complaint was submitted. On XX/XX/22, I followed up on my request and was informed that my request to block was denied because my address was missing on the FTC report. The attached updated FTC report with my address added to expedite the deletion of these reported items. The continued reporting is of improper utilization of my information.

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 2022-09-29
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/XXXX please mail to XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX THIS WAS KFA RESPONSE I WANT THIS MATTER TAKEN SERIOUSLY! 

In their complaint, XXXX XXXX XXXX XXXX Kia Finance America ( KFA ) issued him a refund check, in the amount of {$4000.00}, which was stolen from his car. XXXX XXXX states he has contacted KFA to request the check be reissued to him, but KFA advised the check had been cashed and would not reissue it. XXXX XXXX requests KFA reissue the refund check to him. While KFA is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion regarding the refunds issued to XXXX XXXX. KFA issued XXXX XXXX refunds totaling {$4000.00}. KFA spoke with XXXX XXXX on XX/XX/XXXX, at which time he confirmed receipt of the refund checks, verifying the amounts and check numbers with KFA. Both checks were then cashed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted KFA, advising he had misplaced the refund checks, at which time he was advised they had previously been cashed. Should XXXX XXXX believe the checks were cashed by an unauthorized third party, he may contact KFAs Customer Service department, at ( XXXX ) XXXX, to have an investigation opened. 

THE FACTS IS TRUE I DID CAL KFA AND ASKED WHY WAS IT MAILED AND YES CONFIRMED RECEIVING BUT THEY WERE STOLEN OUT MY CAR BEFORE CASHING WHICH I EXPLAINED MY FAMILY NEEDS THIS MONEY THIS IS HUMILATION.JUST BECAUSE I RECIEVED AND CONFIRMED I GOT IT DOESNT MEAN I CASHED IT

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 2022-08-02
Company: Bread Financial Holdings, 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  account XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.

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 2022-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my XXXX  and XXXX  attempt to get this XXXX late payment removed from my credit profile or to remove the entire account completely. I have sent in XXXX documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for XXXX to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a XXXX XXXX late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX XXXX late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to XXXX, XXXX, XXXX XXXX and Equifax. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, XXXX and Equifax has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022 two letters were sent out by me to Equifax and XXXX ( fraud victim assistance ) I let both companies know that my Identity has been compromised as the addresses, account information, names, employment, phone numbers, are wrong on both XXXX XXXX and Equifax and I also have absolutely no knowledge of the inquiries on my Equifax and XXXX. According to the law both companies have 4 days to respond once received. ( 15 USC 1681-2 ) A consumer reporting agency shall block the reporting of any information as a file of the consumer that the consumer identifies of information that resulted from an alleged identify theft ) ). As I sent these letters through certified mail I seen that both companies XXXX and Equifax did indeed receive my letters but did not respond within 4 days now it is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
follow up of cfpb complaint XXXX I have not received anything I required of them. They closed the previous complaint before it was ever resolved. 


Get me all the information I require immediately. Do not close this complaint until I actually receive it. 

Send it to me as the actual response to this cfpb complaint -- in the PDF file attachment to this complaint.

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 2022-06-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-24
Company: EQUIFAX, 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:
Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Delete this account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

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  ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : [ 3 UNWANTED INQUIRY NEED THEM REMOVE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-08-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I went into Navy Federal XXXX Fl location XX/XX/22. I told the teller that I received a check for my business XXXX XXXX XXXX aka XXXX XXXX. I ask the teller is there a way they can run a check to see if its good? I was told no but if I wanted to protect myself from fraud checks, dont put it in my checking account. I was told to deposit it in my savings and leave it there 2 days, if the check is good the funds will be in the savings after 2 days. On XX/XX/22 the funds from the check was still in my account. I paid out {$1800.00} to a property where my business was supposed to do service at. Now comes Monday XX/XX/22 the bank email me that the check was fraudulent. The {$1800.00} was sent from navy Federal to the person that wrote the fraud check. Now my account is over drawn, the lady XXXX XXXX has the {$1800.00} and navy federal is telling me theres nothing they can do. I asked them, how can I protect myself??? Now my money gone and I have to pay back the XXXX and the bank have all of the information where the money went but telling me theres nothing they can help me with. Im out of {$1800.00} and sum more. I was treated very unprofessional and unfairly. I have a lot of money in that bank. They are supposed to the experts, I asked and I still was failed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT THIS IS JEOPARDIZING MY CREDIT

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 2022-10-23
Company: EQUIFAX, INC.
State: NV
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:
XXXX I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT THIS IS JEOPARDIZING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: IL
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:
I have called Equifax to report unknown inquiries and also disputes online. They refuse to fix my issue I have told Them numerous times I did not authorize the inquiries on my report except the inquiry from XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX Mr.Cooper took over my Mortgage from XXXX on XXXX I mailed a notice of error of escrow because the amount they were trying to collect was far too high, and my escrow balance was too high compared to what would be owed in taxes at end of this year. They ended up providing me with a refund of escrow because they deemed what I said to be correct. By XXXX my bill & escrow amount was correct totaling {$1500.00}. By XXXX the bill was for incorrect amount of {$1900.00}. I spoke to XXXX in customer service on XX/XX/XXXX @ XXXX to address this, as they increased the escrow from {$410.00} to {$750.00}, in error. They also noted the payment I made in full on XXXX was a partial payment ( error ). After speaking with XXXX, he said hed have escrow analysis done. I received two letter from Mr. Cooper. One dated XX/XX/XXXX & one dated XX/XX/XXXX & Both showed my escrow to be {$410.00} with payment amount of {$1500.00}. I made that payment on XX/XX/XXXX. I received a statement they created on XX/XX/XXXX showing my payment due XXXX in the amount of {$3800.00}. They did not apply my full payment from XX/XX/XXXX to my XXXX due date. They actually suspended the payment I made! On XX/XX/XXXX I spoke to XXXX XXXX who states that because I made my payment prior to XXXX, that I messed up my account! The escrow noted as due was incorrect on this statement, as well as payment due. XXXX XXXX states my payment should be {$1500.00} and that she would rectify this and told me to make my payment on XXXX, and not before. On XXXX I logged into online account and it shows payment due in amount of {$1600.00}, with escrow at just over $ XXXX-all incorrect again! I have left a message for XXXX XXXX and sent her an email regarding the incorrect amount due today! They constantly try to adjust my escrow when nothing has changed, and this is after they have done XXXX escrow analyses to show my monthly escrow of {$410.00}! They constantly try to rip me off. And continue despite numerous calls and attempts to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ally Bank sent me an application denial letter. This is 2 of 3 attempts to open a banking account in my name fraudulently. Ally Bank did not open an account because they could not verify identity. I did not request an account from Ally Bank.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
( 1. ) During a phone call to Experian after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( 2 ) During the same phone call with Experian after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''. 

( 3 ) The Experian representative manager refused to remove variation of my name even after admitting she could verify my legal name : XXXX XXXX XXXX FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Cbna XX/XX/XXXX Account not mine need to be remove off my credit 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