BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Balance : {$1400.00}

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 2016-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My ex-husband opened an account with XXXX XXXX XXXX Bank using my name and SS #. His name is XXXX XXXX XXXX, SS # XXXX. The account is now in the name of Portfolio Recovery , Inc., XXXX, VA. in the amount of {$950.00}. There is a judgement filed against me for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Convergent Outsourcing Original Creditor- XXXX XXXX Account address- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , LA, XXXX Collection opened on XX/XX/XXXX Original debt from XXXX I moved from the address associated with the collection account 3 years ago. My phone number changed within that time but not until XXXX. I never received a call from the original creditor stating I owed anything. Received a call last week in regard to this debt from Convergent Outsourcing in the amount of {$180.00} from XXXX XXXX. 

The collector didnt want to identify themselves and I questioned if it was even real since the agent was so reluctant to even identify themselves. 


I updated my address and received no communication in regards to this in XXXX years. 


Once on the phone with the agent I asked what it was in regards to because I had no idea. I simply asked if the CO representative to send me a validation letter so I could review the debt. I called the original creditor to ask if the debt was valid. Although I question the validity of the debt I was happy to settle the debt in full after being notified of it. I told them that I could pay them once they sent a final bill as I never received anything. 

I received a collection on my credit report notice this morning from both the XXXX and XXXX. I wasnt given any time to pay the debt or any real notice in regards to the debt and any documented validity that I even owed the debt in question. I even paid it just because I didnt want it to keep staying on my credit but havent received any notice from either agencies on what I allegedly owed in writing. I had no issue paying the debt I just wanted to receive a validation letter in writing.

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 2022-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have calles all three of the credit bureaus but I keep getting hung up on when I try to get the fraud department and get these alerts removed. I have missed out on getting my apartment and I really need these alerts removed so that I am able to secure another apartment before my current lease is up next month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I completed a lease buyout of my XXXX XXXX XXXX as of XX/XX/XXXX. 

I was sent the title for the vehicle with several errors on it included an incorrect buyers address as well as an incorrect odometer reading. This incorrect information is now preventing me from transferring the title to my name so I can register or sell the vehicle. 

I have called and submitted multiple requests to Hyundai Motor Finance and have been told for weeks that I would be receiving " affidavits of correction '' to reflect the correct information on my title so that I can transfer it to my name and register the vehicle in my name. 

On XX/XX/XXXX I made my second request for the affidavit of correction and was told the request would be complete in 3 business days. On XX/XX/XXXX I called again and was told the request was still pending and no other updates would be available. 

I have discovered that XXXX outsources this service to XXXX XXXX XXXX XXXX in XXXX Georgia. This is why XXXX is unwilling and incapable of doing anything but submitting new requests that never seem to get completed. They intentionally conceal the identity of the company they outsource the service to.

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 2017-05-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have has several issues at  two  different locations, even with corporate. So the first location  XXXX  tried to add on several options to my loan without my permission, told me I had to borrow more than I asked for to get approved. I asked for  XXXX  they said I had to pay off all debt on credit report around {$10000.00}. So i asked for  XXXX  they said I had to borrow {$10000.00} to get approved. I said that is too much, they got it down to {$6000.00}. Also told me I had to do automatic payments, pay fees, and interest was not disclosed. They also did not tell me about all payment options to me. I called corporate asked to be transferred to another office. They sent me to  XXXX . This location also had undisclosed fees, and tried to add on optional items to my loan. They also had undisclosed fees, and did not give me correct information.They were to pay off current loan, and refinance me. However, it was not the correct pay off amount. What they paid off was higher than the original loan, even after I made a payment of {$190.00}, and had the loan for less than  one  month. I called the manager, sent emails and even called corporate no one has returned my call. I was speaking to someone name  XXXX  from corporate out of South Carolina, she was suppose to help with the incorrect pay off amount. Stated she would research, and get back to me. It has now been  three  weeks no response after several calls, and messages to her. So she is now avoiding me, and none of them are taking responsibility. Although they were legally, morally, and ethically wrong. Furthermore, my husband and I wanted to get a loan or I would co-sign for him. We received a declination letter stating they could not verify our income, it was a lie. We had all pay stubs. They also said debt to income ratio, it was a lie. They improved me for an additional loan of {$3700.00} my take home is {$2500.00}. My husband, and I only wanted {$1500.00} and our combined take home is {$5000.00}. So they have unethical sales practices, they want you to borrow more than you need. They claim it is to reduce debt when in reality your payments go up with their loan. They pay off lower rate loans, for their higher rate loan. Therefore, no benefit for the customer, and nothing is done in the best interest of the consumer. The dates all range from   XX/2017   - XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: TX
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 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.

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-03-29
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Found incorrect items on my report investigation taking longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I NEVER HEARD OF/FROM THE CURRENT COLLECTIONS AGENCY ( U.S. ASSET MANAGEMENT INC. ) FOR XXXX UNTIL AFTER XX/XX/2022, WHEN I HAD SENT A DISPUTE TO CREDIT BUREAUS CONCERNING MY LESS-THAN-GOLD-PLATED CREDIT SCORE. THE COLLECTIONS AGENCY SEEMED UNMINDFUL OF THE POINT THAT I MADE ABOUT THE REPEATED LY FAILED ATTEMPTS BY XXXX TO CORRECT MY PHONE SERVICE PROBLEMS AND THE CONCERN FOR " JUSTICE AND FAIRNESS IN BILLING '' TO FAITHFUL CUSTOMERS WHO HAVE RECEIVED CONTINUALLY FLAWED SERVICE OVER AN EXTENDED PERIOD OF TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: SC
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:
I ask the company to check the validity of my accounts with recoverable receivable. These accounts have the same amount on some balances. Also I wanted them to validate that I 'm the intended party they are asking for. Experian only verified the accounts but did n't validate them. After even talking to a agent at the company they advised me themselves to dispute the account because it did n't look right. They asked me to send proof so I sent my driver license and I still did n't get a reply from them.

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 2016-06-22
Company: BB&T CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I paid {$60.00} to open a bank account online with BB & T. I got an email, after they took my {$60.00} and all my information, stating that I needed to go to the office and verify my address. They made me pay {$50.00} more to open another account because they could not find the account I opened online with the {$60.00}. They said that it is XXXX fault and not theirs. I have talked to the manager at the BB & T in XXXX, AL and talked to the lady who opened my XXXX account named XXXX XXXX. She says over and over that it was not {$60.00} but {$50.00} and that she has sent a fax to regions bank. XXXX XXXX has been very rude to me and probably because I 'm on XXXX. She now says I have to call her back regarding an issue she has with me. I 'm just going to change banks but I need the {$60.00} that was taken from the XXXX XXXX account before I leave. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
Found incorrect items on my report investigation taking longer than 30 days

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 2022-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
I Pulled an Updated copy of my consumer Report and I found that Experian has information reporting that I didn't consent to nor did I understand/ comprehend that they were furnishing information from XXXX XXXX XXXX didn't give either one of them express permission to report my nonpublic personal information or given the option to Opt-out. they are directly violating 15 USC 1681b permissible purpose of my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued by section 5318 of title 31 or section 3486 of title 18.

( 2 ) By the written instructions of the consumer to whom it relates.

I never gave them Written instructions so any reporting isn't authorized not once did they reach out and ask if the information was accurate they aren't doing their job and assuming a vital role in the inaccurate information that's being reported to fix the issue now I hate that the banks have the upper hand because if this inaccurate 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 explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
Called Equifax @ XXXX but their operators do not pick up. Was required to give a ton of information to " verify '' my identity, only to have the call go straight to their survey ... TWICE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account  # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXXXXXX 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

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 2020-04-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We purchased a piece of furniture at XXXX XXXX in XX/XX/XXXX with interest free payment option. The purchase price was {$2300.00}. Our monthly payment was {$83.00}, but we made an automatic payment of {$100.00} a month. We decided to pay off the remaining balance of {$250.00} yesterday. But we logged into Synchrony website, it said we still owed {$1300.00}. I spoke to XXXX at XXXX XXXX this morning and then she transferred me to her supervisor, XXXX . XXXX said that the interest free payment is for only 18 months, which ended on XXXX XXXX, XXXX. Since it was not paid in full on XXXX XXXX, XXXX, she said that there is {$1100.00} of interest charge on the remaining balance of {$450.00}. First off, we were never told that it needs to be paid off by XXXX XXXX, XXXX. But more importantly, how someone can charge {$1200.00} interest of {$450.00}? This is ridiculous. Absolutely deceptive business practice! Who allows them to run a business this way? We already paid the remaining balance of {$250.00} yesterday. We want them to remove the interest immediately and close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I set up an account on XXXX to find a lender to purchase my first home. XXXX provided a small number of lenders that offered low interest rate that were generated from a soft inquiry of my credit report. Quicken Loans contacted me to see if i would be interest in using them as my lender of choice. I told XXXX XXXX the representative that i was using a down-payment i was granted by XXXX XXXX of {$15000.00} and was only! looking for a lender that accepted the grant ... and I only! wanted to know if Quicken loans was compatible and accepted this grant. he was unsure and stated he would check and get back to me but that he would also set up an online account for me to view other programs that they offer for first time buyers. he confirmed the last XXXX of my ssn to confirm my identity which he had from the XXXX lead. next day i check my XXXX account and i have a hard hit from quicken loans.. i was never inform nor did i authorize for them to run a report i only wanted information on them being able to accept the XXXX grant . i left an voicemail with the supervisor XXXX immediately. XXXX called and left a voicemail apologizing and said he reviewed the call recording and i was in fact correct that i was not informed and i did not authorize the report to be drawn.. and that they take this very seriously and will contact the bureau to dispute the report screen since it effected my score lowering it significantly! next day an exceutive of quicken loans calls me to say he reviewed the call and that they will not dispute the inquiry and that it was justified ... even after the supervisor who reviewed the recorded call said it was in fact faulted..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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