BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-18
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:
I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.

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 2022-12-12
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 paid off my lease on XX/XX/XXXX with a cashiers check in the amount of {$13000.00}. As of today, I still have not received the title. The car is unregistered and undriveable at this time because I have no proof of ownership. 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 2022-09-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XXXX inquiry dates XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Inquiry dates XX/XX/XXXX XXXX 

15 USC 1681 section 602 A. States i have a right to privacy 15 USC 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX 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 2022-09-29
Company: EQUIFAX, 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:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2022-08-01
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX Middle Name : XXXX Last Name : XXXX First Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX XXXXXXXX XXXX  XXXX # XXXX amount : {$600.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX  Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This rude uncooperative arrogant representatives that represent this company engage in unfair and deceptive practices. They offer extensions due to a natural disaster, then in the next breath say " oh your not qualified '' This is a violation of UDAAP .... 
Calls were placed on XX/XX/28 and both customer service n collection reps like to play games and profusely refused to transfer to a superior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call on XX/XX/XXXX at XXXX XXXX from a private number stating that he was a representative from XXXX XXXX XXXX XXXX XXXX He said he tried to deliver a summons to me last Friday to appear in court but was unsuccessful. He then said, " unfortunately the document is sealed, but you can call the lawyer in charge of this matter. '' He proceeded to give me the number to a law office which is XXXX. He also gave me a case reference XXXX. I asked was there anyway I can get a copy of the documents and he said to just call the number. 

When I called the number I was asked for the case reference number and put on hold and transferred several times. I was then put on the phone with a woman who never identified herself or the law office she was representing. She said this is concerning a car loan that was never paid with Santander Consumer USA. She said that the summons was for me to appear in court because I was being sued for a wage garnishment. She said the debt was over {$11000.00}. She said they tried to contact me in XXXX. The car loan I had with Santander is from XXXX, over 15 years ago. I gave her my address and told her to send me the information in the mail. When I contacted Santander they said the debt was around {$6000.00} and too old for them to pursue. 

After I got off the phone with them I called Santander USA and inquired about this and they had no knowledge. They said they have not tried to contact me since XXXX and the debt was sold from Santander and should no longer be on my credit report because it has been over 15 years. 

I want to report this because the lady was very abusive and argumentative. Also when calling the phone number the law office does not identify itself by name so I'm sure this is a scam. I just want to report it so other consumers can beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Self Financial Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I have closed my account with Self Lenders and they are still charging me for my account and I dont owe when the account is closed they are affecting my credit history and status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: FC HoldCo LLC
State: VA
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:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022. I was on my way to work and needed to take out money for rent. I attempted to take out {$800.00} from my checkings but was unable to take out as my checkings didnt have enough. I sent the money from my savings to my checkings to have it over {$800.00} but the machine still registered me having {$400.00} at the time and wanted me to do an overdraft protection which I did not want to do so I wanted to cancel taking out any money. The machine then said there was an issue and allowed me to take out my card with no money dispensing. I tried the other machine to see if it was just me but both machines were declining me from taking out money. The atm never opened and I was never able to collect the money and left. I came back hours later after work and asked the tellers instead for {$800.00} since I couldnt take it out. I sent a complaint to chase and after 20 days, they decided that I took out the money and reversed the {$800.00} the credited me. They are implying I took out {$800.00} and left when I know there are cameras that can show I never took out any money from the machine since it never opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I defaulted on a debt with XXXX XXXX way over a decade ago. After XXXX  years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I paid the remainder of my private loan, on XX/XX/XXXX I reached out to Navient regarding a refund for the over payment of {$130.00}, I was told by a rep name XXXX that he was entering the information for the process of my refund in the amount of {$130.00}, I informed him that I wasn't able to stop the payments in time which it will be another payment amount of {$130.00} on XX/XX/XXXX, I would like both of those payments be refunded to me. I was told that it will take 7 days in order to get that. On XX/XX/XXXX I spoke with a XXXX with Navient, he stated that the rep that enter the first time made it come up invalid. At this point I would like my refund in the amount of {$260.00} be process expedited quickly as possible so I can finally be done with Navient. It's bad enough I had to continue paying on a loans from XXXX XXXX which was found guilty in fraudulent practices. This whole ordeal have been very emotional. I already lost my XXXX XXXX XXXX that can't be returned due to XXXX so I would like my refund, this matter forever closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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 information incorrect

Complaint:
INCORRECT REPORTING SERIOUS DELINQUENCY 60 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 2022-12-12
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I am currently leasing a XXXX XXXX through GM Financial and I am wanting to trade the vehicle in for another brand ( XXXX ). The salesperson at the XXXX XXXX XXXX dealership advised that I should be able to trade my vehicle to another non-GM dealership provided that the dealership is accepting of the purchase, which they are ( XXXX XXXX XXXX XXXX ). When the XXXX dealership contact GM financial to obtain a payoff/purchase price of the XXXX, they. XXXX, were advised that their dealership could not purchase my XXXX, and that I would have to sell it directly to a XXXX XXXX if I wanted trade the vehicle in. If I were to do this, then the purchase agreement with XXXX would increase by approx. {$3000.00}, which I feel is unfair and would harm me financially. Additionally, I've read through my GM Lease contract, and even reviewed it with XXXX from GM financial, who referred me to line item 23e in the agreement and advised that although it does not specifically state that I can not trade my vehicle in to a non-GM dealership, they are requiring it due to the pandemic and to ensure that Gm dealerships get to benefit from acquiring GM products instead of non-GM. The contract terms in item 23e only indicate that if I wanted to purchase the vehicle outright it would be from a dealership designated by GM. There is no language for the situation of trade ins. Again, the XXXX dealership that I leased the vehicle through is also contradicting what GM Financial is telling me. I believe that this practice, since it is not explicit in the contract terms, is unfair, deceptive, and harmful to me financially by causing me to spend an additional/excessive amount by not allowing me to trade my vehicle into another non-GM dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Equifax reporting agency is reporting false and inaccurate information on my credit report I have reached out to them on this matter there is a medical debt collection appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with XXXX disputes for this account is not been properly Investigated the dispute is coming back as accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter. the three accounts listed was coved by XXXX XXXX to the original Creditor I owe no debt collector agencies listed above for any debt I have not received any services from these companie nor have any contracts with them they are operating illegally and illegally sharing my healthcare information. and also documents was signed that my healthcare information would not be shared with any third parties so I don't even understand how theses companies has access to my XXXX data

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
On XX/XX/2022 I sent a certified letter to Experian to dispute incorrect information on my credit report. I received a response dated XX/XX/2022 claiming that an investigation had been done and the information had been verified. On XX/XX/2022 I sent another certified letter to Experian because they did not actually prove that the debt in question was mine. I did not receive a response within 30 days. On XX/XX/2022 I sent a certified letter explaining that they did not respond in 30 days and they should re-investigate the incorrect items and remove them immediately. In XXXX, I received the green proof of signature card from Experian but it was not stamped or dated, which allows me to track how many days it takes for them to respond. Experian Credit Bureau has not responded in the time frame required by law and they have not removed the incorrect information from my credit report. I believe this is a stall tactic used by Experian to keep from doing the work of investigating and removing incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Target Credit Card defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
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

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