BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Accounts, has violated my rights. 
( XXXX  ) # XXXX ( XXXX XXXX # XXXX ( XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states 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 2022-10-20
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called them on XX/XX/26, XX/XX/26 and XXXX. The call XX/XX/26 i request a refund under the cares act and they confirmed i would have it within 30 days. Its almost at 90 now and now they do not accept phone calls and ive emailed 3 times using their complaint option which says ill hear back within 3 days and no one has replied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
Everytime i try to access my credit report i get an error message saying they are experiencing technical difficulties. I am not able to view my report or dispute anything. I believe they are purposely blocking me from doing so. I called and got transfered XXXX times and everyone acted like they did not know what was going on.

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 2023-02-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as XXXX on my XXXX report. 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXXXXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX XXXX XXXX * * on my Experian report, and alleged as XXXX XXXX XXXX * * on my XXXX report. 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report XXXX 

Account name : XXXX with account number displayed as XXXX on my XXXX XXXX report, shown as XXXX on my Experian report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report 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 2022-09-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX  has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.

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 2022-09-23
Company: MOHELA
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:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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 the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX  Balance XXXX and XXXX XXXXXXXX balance XXXX, has violated my rights. 

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

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-10-09
Company: Westcreek Financial
State: WI
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:
On XX/XX/ a person made a purchase at a store called XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was for {$1100.00}. This person gave a phone number of XXXX. This phone number is XXXX digit different than mine. The finance company was Koalifi, who then sold the lease amount to West Creek Financial & closed it for {$900.00}. Their phone # is XXXX No money came out of my account, but this shows up on my credit report. I am not the person who made this purchase nor am I the person who defaulted on this purchase. I need to have this incorrect information removed from my credit report as it continues to affect my credit report negativly. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act Capital One act # 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 an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I sent a identity theft affidavit to transunion. And they failed to remove accounts that are not mine and product of identity theft violating my rights under 15 U.S.C. 1681 ] and identity theft victim rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate late payments on my experian XXXX  credit report. they sold the debt I owed to XXXX XXXX XXXX XXXX XXXX. I started paying this third party debt collector through a debt consoldation program. the first payment was made XX/XX/XXXX. they were paid monthly through ACH transfers with the final payment being made XX/XX/XXXX. this debt was no longer owned by them since it was sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX  even with payments being made to their debt collector. once the final payment was made on XX/XX/XXXX. XXXX XXXX XXXX XXXX this point added " 30 days late '' een with the debt settled. they are reporting inaccurate late payments ( XX/XX/XXXX for experian and XX/XX/XXXX for XXXX. highlighted pictures provided are evidence of payments made to third party debt collector nXXXX XXXX XXXX XXXX XXXX  for the debt owed. the other pictures are evidence of inaccurate information being reported to my credit reports

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I applied for a car loan through my bank and through XXXX credit. Both advised me Transunion reported my score as a XXXX. My score with transunion has been over XXXX for the last few years On line the score was over XXXX. When they did the hard inquiry I saw the score change to XXXX in real time. There is obviously a mistake in Transunions reporting. I called Transuion and was advised there was a big discrepancy between a XXXX and my actual credit score which in fact much higher. They were going to send verification via email but I have not received anything yet. I called a second time today and they advised me that I needed to file this complaint. This disinformation from Transunion cost me points on my loan application and a great deal of cash over the course of the loan. I NEED Transunion to fix this and send me confirmation.

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 2023-10-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I fully paid off my auto loan on XX/XX/2023 for a XXXX XXXX XXXX with Hyundai Motor Finance. I have repeatedly contacted Hyundai Motor Finance, specifically their title department and they have not agreed to request a car title that shows me as the sole registered owner. I even filed this issue with the XXXX XXXX XXXX  and they have responded with generic responses saying " they are working on it ''. It has been 6 months since I have paid off my auto loan and I still do not have a car title that shows me as the sole registered owner. 

I have even tried to resolve this myself by filing a case with the DMV but without the proper signed paperwork from Hyundai, I am unable to resolve this issue.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
Experian said they are unable to get my credit report or credit score. Companies running my credit say they are unable to get my credit report or that it is at XXXX due to this. XXXX, and XXXX both give me a score of XXXX as of XX/XX/2022.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: WA
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: Problem with personal statement of dispute

Complaint:
I spent 2 months trying to make a payment and even set up payment from my account. Their system would not let me make a payment. I called multiple times to get it corrected. I was disconnected and hung up on multiple times. 
I was even told I could not make or set up a payment without making a payment. I finally got hold of a person who knew how to fix the problem. Now they refuse to correct the reports of me being late even though it was their systems fault for the issues. They have told me that if it was found that it was their fault, they would correct the report, which they still have not done.

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 2022-09-22
Company: SYNCHRONY FINANCIAL
State: AR
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 purchased a living room set from XXXX XXXX in XXXX, Arkansas. I chose to use Synchrony Bank for the no interest. My dispute is that the furniture I purchased was not the furniture that was delivered to me 3 days later @ XXXX XXXX in pouring rain. I noticed immediately that the furniture delivered was a much cheaper set and not the set I agreed to buy. I called the very next morning and was told to try it and call back Monday. The furniture is so bad that you can't even set in it due to a board hitting your back. I was immediately told they don't take returns. XXXX submitted numerous documents multiple times and all Synchrony Bank customer service continues to say is that its a quality issue. For one reason or another they can't get it through their head that I was delivered a much cheaper, lower quality of furniture and NOT the furniture I agreed to pay for. XXXX XXXX have forged my signature on the delivery paper saying I inspected it. The 3rd party delivery wasn't in my house long enough for me to sign anything. I have attached documents that were notarized by my attorney on the forging of my name and from 2 other parties and still Synchrony says its a quality issue and work with XXXX XXXX which I did and received the rudest conversation with. All XXXX XXXX has to do is submit the forged delivery slip and the copy of my application. I even agreed to upgrade and pay the difference but XXXX XXXX wouldn't even consider it. Hopefully I will be able to attach my documents that I sent to Synchrony. All I want is the original furniture I agreed to pay for instead of waiting 3 days to get a cheap set that I wouldn't pay XXXX for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07
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: Was not notified of investigation status or results

Complaint:
I submitted my reinvestigation request to all 3 credit bureaus on numerous occasions with proper identification required and have also requested that they block fraudulent inaccurate, erroneous, or misleading information in my credit files. I also provided my FTC report for the fraudulent accounts reporting on my credit profile and the only correspondence I receive is that I did not provide proper documents This is a stalling method that these bureaus continue to use in order not to process my request for a re-investigation. My rights are being violated at this point and I feel that they are i in compliance with the FCRA. This type of behavior needs to cease immediately and do what is right for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX # XXXXXXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX 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 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 non-monetary relief