BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2015-08-28
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company has called my husband repeatedly demanding payment. We are currently working with our insurance company to cover the bill. We have also stated to this company to ceast and desist until we are able to straighten the situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am still really confused as to the fees and past due balance being assessed on my account. I received a statement in the mail yesterday. It says I owe {$7400.00}. When I go to the Greentree website it says I owe {$6400.00}. Why are these numbers different? What happened to the left over money from Save the Dream? What is the real past due balance?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.

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 2017-07-31
Company: EQUIFAX, 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:
XXXX REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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:
Someone has been trying to get XXXX XXXX cards in my name for years and they will not take the inquires off my credit report. I have been disputing my inquires with them for years I have been sending my dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX where all 3 credit bureaus say to send disputes. After calling XXXX XXXX dispute department they say I have been sending letters to the wrong department and that I need to dispute the inquires with the 3 credit bureaus. The address I was supposed to be sending disputes to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was told by the XXXX XXXX employee. XXXX XXXX credit card applications are confusing some say they will not affect your credit and and some dont mention that they will do a hard credit pull. The 2 XXXX XXXX credit card applications that I applied for business credit does not state anywhere that they will do a hard inquiry on your personal credit. I look for the fine writing and I can not see it anywhere on the application even though they say it is there, the place where they ask you to put your social security number they only say it is for identification purposes only it says nothing about a hard credit pull. You shouldnt have to read a book or search for something that can lower your score. That should be in big bold letters on all applications so a customer is well informed because some applications dont affect your credit but they are from the same company and you can not tell them apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One charged me a {$15.00} late fee on XX/XX/XXXX and a {$15.00} late fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. Please note, I have did not sign up for paperless statements for those billing periods. If Capital One disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. 


In addition to this, I obtained refunds from several companies for returning merchandise. 
{$29.00} refund on XX/XX/XXXX, {$380.00} refund on XX/XX/XXXX, {$29.00} refund on XX/XX/XXXX, {$480.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$5.00} refund on XX/XX/XXXX, {$270.00} refund on XX/XX/XXXX, and a {$180.00} refund on XX/XX/XXXX. Please provide a credit for the interest charges associated with these charges that were refunded. 

Please note, I am requesting a refund for the late fees, interest charges associated with those late fees, and interest charges associated with the charges/transactions that were refunded by the merchants. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Watermark XXXX made errors in the process of refinancing my loan that caused the excessive delays. On XXXX XXXX, they sent me an email telling me that our rate lock had expired and they were unable to get an extension so the loan would not be going forward. I asked the loan officer, XXXX XXXX, when the lock had expired and he told me it had expired on XXXX XXXX. According to the rate lock agreement which they drafted and signed, the rate lock was not to have expired until XXXX XXXX. They lied about the expiration date when they said the lock had expired. They took 24 days to provide XXXX documents they already had on hand to a third party lien holder simply because they lost track of the detail. I have the email chain from the third party documenting how long it took. When I asked about the delay, they lied and told me that the third party was causing the delay. Email documents that they did not cause the delay. They did not answer my multiple questions about when the loan would be closing. They did not inform me that I was at risk for losing my rate because they had not done the simple work they were required to do. Their failure to complete their work within the specified time resulted in the loss of a loan that was approximately .75 % lower than the current market. Multiple calls to the lender have been unable to resolve the problem and, to date, they have not even refunded my out of pocket costs. If they had done their job, the loan would have closed. They made serious errors and the result will potentially cost me many thousands of dollars over the life of the loan. An email and a call to the owner of the company have gone unanswered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Vision Financial Corp.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
At XXXX XXXX, I received a call from a collection agency call " Vision Financial '' the collector named XXXX XXXX, he was agressive and insulting. I advised him of the time and he stated that I was " refusing to take care of my debt and I am a DEAD BEAT '' 1. This company calls me once a week, and I have asked them to stop. I have limited minutes on a cell phone. I asked for an address previously to put this in writing, but have been refused. 

2. It is XXXX XXXX, it is wrong and against FDCA to be calling me at XXXX XXXX. 

This company has violated my rights. They have made aggressive and inappropriate comments such as " you are homeless, so you do n't have bills why are you being a dead beat? '' It is inappropriate, insulting,

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: MARINER FINANCE, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We got a little behind on a loan after being good customers for over a year. They served us and we paid them in cash the court costs and the payments to get caught up ( this was XX/XX/2015 ). A week later they say we are behind we call repeatedly to try and determine what is going on. They refuse to take our calls and hang up when we give our name. In XX/XX/XXXX they claim they are taking us back to court and I write them a letter to call my mother because they refuse to take our calls. The agreement was {$75.00} every two weeks. Total amount owed court costs included was supposedly {$1400.00}?? this was verbally given they refused to give us anything in writing and they refused to give us the corporate number. XXXX the local manager was difficult to work with. No missed payments between XX/XX/XXXX and XX/XX/XXXX {$900.00} paid. Called for pay off and were told {$990.00}??. Called another store to get manager 's name and number. XXXX XXXX called claiming that she was the manager but she called from XXXX store. She will not listen she claims we owe {$640.00} and the {$350.00} in fees. She claims her employees would never be dishonest and if we had paid on time it would not have come to this. Ignoring the multiple attempts to make arrangements that they would not answer.

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 2020-03-26
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have gone back and forth with Doctor 's Business Bureau about a {$350.00} collection being reported to credit reporting agencies. This debt is a result of medical services provided to me. I have disputed the debt as I am an insured patient with 100 % XXXX/XXXX  coverage provided by my insurance. The facility ( XXXX XXXX XXXX ) was in-network for the annual/XXXX  XXXX  but out-of-network for the follow-up XXXX  resulting from an XXXX  detected in the annual XXXX. I was not informed that the second ( required ) follow-up XXXX  was an out-of-network service. In addition, I was required to sign the attached Assignment of Benefits in order to receive services during a medically and emotionally trying time. I am claiming that a reasonable person ( distraught or not ) would NOT assume that a facility is in-network for annual/preventative services and out-of-network for follow-up services resulting in an XXXX  from the annual XXXX. 



I was never given the option to dispute the debt. A few months after the services, my employer changed insurance carriers, and I never hear from XXXX XXXX again. Moving forward, XXXX XXXX XXXX assigned the debt to Doctor 's Business Bureau who proceeded to report the debt as a collection to credit reporting agencies and negatively impacting my credit. 

As a result of a recent request for Doctor 's Business Bureau to verify the debt and provide my authorization for XXXX XXXX XXXX to share my personal medical information with a third party, they submitted the attached assignment of benefits. 

I am reaching out for verification and validation of XXXX XXXX XXXX and Doctor 's Business Bureau 's debt collection practices. 

Please review the attached and provide insight to help me amicably solve this matter with Doctor 's Business Bureau or provide the contact information of an agency that can support me with this matter. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2015-10-30
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
Summary : we agreed on a $ XXXX/ month payment for 36 months and XXXX miles/year on a leased vehicle from XXXX XXXX ( XXXX ) XXXX located at XXXX XXXX XXXX XXXX XXXX , IN XXXX. After we agreed on the price of the vehicle and 36 month terms, the salesperson XXXX XXXX came to us and said they made an error and did n't figure in the correct amount of sales tax and the new total with tire protection would be {$540.00} per month. I authorized the deal. 
Problem : The terms changed after we agreed on the deal, Fraud & Deception. We later leaned that a document for 48 months on XXXX page and 36 months referenced in another section ( attached ). we 've made several calls and have written several notes and have not received a response resolving this fraudulent action. When we initially discussed it with XXXX ( salesperson ) and the Finance Mgr. we were informed that there were XXXX options presented, XXXX for 36 mo and XXXX for 48 mo tosign. This is not true. 48 months was never discussed or part of the terms. We would have never agreed to 48 month terms. We are requesting the following:1 ) the correct terms of 36 months be applied to the lease, or2 ) Return the vehicle and terminate the lease. 
Thank you for assisting in the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2022-09-03
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX XXXX 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 explanation
Consumer complaint received 2022-04-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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 couch and love seat from Ashley furniture online on XX/XX/22 using my Ashley XXXX credit card. An hour after making the purchase I canceled the order. Ashley furniture charged me for the canceled items. Neither the store nor sychrony bank will help me remove the charges even though it shows the order was canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Account information incorrect

Complaint:
Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, TransUnion, & XXXX to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.

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