BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 : # DEPT OF EDXXXX Account number XXXX Account name : DEPT OF EDXXXX  Account number : XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name DEPT OF EDXXXX Account number XXXX Account name DEPT OF EDXXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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
Consumer complaint received 2023-08-01
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: GA
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 # XXXXhas 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a Repossession account on my credit profile report on Transunion In the name oXXXX XXXX XXXX XXXXXXXX and the same account on XXXX by XXXX XXXX XXXX those accounts was attached to a repossession that was already deleted off my account that was XXXX XXXX XXXX but those two are still one my credit profile.. those are all the same XXXX  XXXX  it was XXXX XXXX then XXXX XXXX XXXX they just bought it out and merged together.. i have provided the police report and will provide it again i have called them and told them they even misspelled my middle name and put payments on there that was never paid because i have never opened 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 non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: TX
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
This is insane. I deposited a check through cash a check feature on PayPal. I even paid a {$5.00} fee so I could get the $ in 10 minutes. Hours later I realized I got an email telling me check was accepted and to void the check and submit picture of that. Then I was told check failed. This is unbelievable. Now I have a voided check and no money. I needed if hours ago. How can they tell someone check accepted and to void it and then not accept it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been waiting more then 30 days to hear back from XXXX and also transuion and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.

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 2023-05-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called experian on XXXX, XX/XX/2023, around XXXXXXXX XXXX. XXXX. I spoke to a fraud XXXX in XXXX XXXX named XXXX. After he said his name, the call became silent and there was a long moment of dead air. XXXX stopped talking. I kept saying Hello? Agent are you there?, however, there was no response. This is known as call-avoidance and is inappropriate. As a result, I was unable to file a fraud dispute by phone. In addition, I was on a long 30 minute hold to get to XXXX. Experian needs to correct this issue because it has happened to me multiple times in the past. I have the phone call recorded for proof.

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 2023-08-01
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, CFPB, I was recently afforded an a loan modification through Dovenmuehle who is the servicer on my home loan and its owned by XXXX XXXX  . I successfully completed a 3 month trial modification XXXX XXXX XXXX paying {$3200.00} for three months and with the understanding that if completed, l will then receive a lower affordable monthly payment. I received a package in the mail on approximately XX/XX/2023 with agreement and terms of the new payment however the documents have a date of XX/XX/XXXX and Dovenmuehle is asking for a payment of {$6000.00} for XXXX & XXXX and once received my new payment will be {$2900.00}. This payment must be received in their office by XX/XX/XXXX and must signed by a notary public in order for the new terms to be accepted. I believe l was blindsided by this and was not made aware of this type of payment which doubled and l dont have. I made several attempts to speak the specialist in their loss mitigations department but have been told they dont speak with any homeowners and the terms are not kept, they will move forward with foreclosing on my home. This is not how a mortgage company should operate and this wrong. Im respectfully asking for CFPB to assist me with this matter in hopes of stopping my home from foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Synovus Bank
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon checking my credit report and my po box . I see that a credit card is reporting from your company and i am getting bills sent to my po box for this credit card. I was recently in the market of purchasing a house and gave a realtor all of my information including bank information for my deposit/down payment. When i talk to the realtor again i was told that i didn't get the house but i should get a denial letter stating why. instead of a letter i am receiving bills and not only bills payment have been taking out of my account to pay this credit card. i never applied for this card and i didn't give this realtor information to apply on my behalf. the weird thing about this is that i never had this card in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

Account Name XXXX XXXX Account Number XXXX Opened date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX Account Name XXXX Account Number XXXX Opened Date XXXX Account Name XXXX Account Number XXXX Opened Date XX/XX/XXXX 2018

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 2023-06-25
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: Public record information inaccurate

Complaint:
Dear credit report agency, I am writing to dispute the accuracy of the information contained in my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to delete inaccurate information from credit reports -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I demand these accounts be deleted from my hard inquieres their unauthorized inquiries If you continue to report this in my credit report it will only compound the legal consequences you will face. I urge you to do the right thing Thank you for your attention to this matter. 

Sincerely, 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 2022-12-18
Company: ATG Credit, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know who this company is, as they won't answer the letter you have on your website to send XXXX. I don't owe this company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax had the incorrect Name, Social Security Number, Date of Birth, Address, and loan history. After submitting several disputes with documents like my Social Security Card they have only fixed my name and rejected the others. I was able to call the company that gave out the loan and they said the information doesn't match mine, but Equifax refused to remove the loan or correct the other information. Equifax spent less than 24 hours " reviewing '' my dispute before it was rejected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had received a notice in the mail that XXXX had turned my account over to collections. As I was no longer a XXXX customer I asked the CCS for a detail explanation of why I had a past due amount with XXXX. I never received a detail copy of the charges but continued to receive phone calls demanding payment. As the payment amount was only a few hundred dollars I paid it AFTER the representative indicated that they would DELETE any information on my credit report with a full payment. I have never received any documentation that proves this debt is mine and that equipment was never returned. This was in 2017 and today it still is on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have been trying to get Hyundai Motor Finance to complete a state title transfer from XXXX to XXXX  since XXXX. When I originally called in, they had me create a state title transfer request on their website. While the site said 6 to 8 weeks, I grew increasingly concerned, as my request continued to sit in the first state of review. 

When I called in XXXX, the representative told me the request I sent had actually got deleted and was never processed. They also told me I would have to start the process over on my end and submit a new request, which I couldn't do, as the original request was still visible on the site and there was no option to create an additional one. 

I call back again in XXXX. This time, I was told that they had actually sent me title out two weeks prior, and I should have received it. I hadn't though, so they said they would ship out a new one. 

I call back in XXXX. This time, I'm told that the person in XXXX must have been mistaken, because the title gets shipped to the DMV and not me. They said they had yet to send it to the DMV but would do so immediately. I also asked at this point in time if they could possibly create an email thread showing the actions they had taken to resolve my transfer. The representative on the phone said they would, but I never received anything. 

I still don't have my title. I'm unable to register my car in my new state. My inspection has also lapsed from my old state, but I can't get that renewed as my license and insurance is from my new state. 

Hyundai Motor Finance 's representatives have lied to me throughout the process. I have no clue if my transfer has even been started. I also have no idea where it will be going to or how I would know if the process has been finished, as they've been unwilling to document any of our conversations or actions taken on their end.

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 2023-04-20
Company: Nelnet, Inc.
State: LA
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:
Credit Agencies are showing that I have been years late with student loan payments from XXXX through XXXX. I have ALWAYS completed the necessary paperwork and have NEVER just " not paid ''. I filed bankruptcy in XXXX my discharge date was XX/XX/XXXX. During that time documentation was submitted to all creditors including student loan servicers. Attached is communication with US department of education/loan servicers documenting I continued doing what I was supposed to do and should NOT have been in repayment. ( separate issue of complying with federal discharge ). Originally is was never showing " late '' or " past due ''. I was informed of " default '' status when I went back to school in XXXX which prompted the attached correspondence because I could not get financial aid. It was not showing on my credit report just in the fafsa system. I informed them of the bankruptcy and results ( also attached ) so the discussing of late was reportedly resolved but they would not discharge it. ( separate issue and not the primary complaint here ). I was able to dispute and correct dates from most of XXXX through today ( thanks to Covid and being enrolled in school ) but it still showing XXXX through XXXX as being late which originally was not showing as recently as XXXX XXXX. It has been disputed several times and is now effecting me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. 
Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer.

So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me.

As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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