BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX/XXXX/XXXX, I received a phone from my Auto car company, Kia Finance. Long story short, I requested a Cease & Desist. They proceeded to call me 18 times, from XXXX, 3 times a day. My first complaint for F.D.C.P.A. Violations, Harassment & Abuse. The first call on XX/XX/XXXX  at XXXX XXXX, violated the C & D request. The 17 calls that followed violated Section 806 Harassment & Abuse under the F.D.C.P.A.. I sent a demand for payment & in the letter, I stated would like to resolve this without getting my Attorney or the C.F.P.B. involved, to no avail. I was advised by an Attorney here in XXXX XXXX that Kia Finance does not fall under Federal guidelines for collections abuse. So they have just do what they want. when they want??, how is that even possible. They are a Creditor & should follow the guidelines set forth as all other Creditors do. I have the backup documentation if required. U.S.P.O. receipt showing delivery, the green card, I sent it certified receipt requested, stamped by Kia. I have received 2 letters from Kia, both acknowledging my XXXX & XXXX The first letter dates XX/XX/20. The very next date after I took the 18th call from them on XX/XX/20 at XXXX XXXX. The rep I spoke with apparently knew what he was doing because the letter is dated the very next day. Still the cat was out of the bag so they say since my C & D was requested on XX/XX/20. I am looking for compensation for violations stated above under the F.D.C.P.A. My account was current on XX/XX/20, just 3 day 's pass due & is now & will remain in a current status.

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 2023-05-17
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: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2021-10-21
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Reporting company used your report improperly

Complaint:
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

In accordance with the Credit Reporting act Credit Collection 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Throughout the months of XXXX and some of XXXX my card charged me for multiple XXXX orders and I have never used XXXX on my credit card. The bank said it was " consistent with my previous purchases '' and billed me for XXXX dollars. Some of the restaurants I was billed for are not even in the state of Tennessee and the bank told me to send them more information, which I don't have any more information than they can see because I did not make the purchases. I only have my statement and so do they. I'm sure so many people have used XXXX during a global pandemic. They said if I have more information to fax or mail. I don't have access to a fax machine or a printer because I am unable to XXXX  due to a 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 2022-04-13
Company: Experian Information Solutions 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:
I have information on my report that is court information. Also accounts being shared without my consent.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible. 

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result. 

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXX XXXX XXXX XXXX  : {$5700.00} ; XXXX XXXX XXXX XXXX XXXX {$1900.00}.

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 2022-10-06
Company: Experian Information Solutions 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 made a uniform decision on XX/XX/XXXX when I entered a bank XXXX XXXX XXXX XXXX. The only evidence of debt is the agreement, but that agreement is null and void because I made an uninformed decision and I didn't understand the meaning, it was not clear to me, and conspicuous. on XX/XX/XXXX, I sent a letter to the credit bureau and Bank XXXX XXXX asking for them to remove the inaccurate information on my credit both parties refused to comply with granting my rights. After 30 days 3 credit bureaus XXXX, Experian, and XXXX updated my credit report with more inaccurate information on my credit.

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 2021-06-26
Company: Experian Information Solutions 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:
My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with Experian. Experian has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is 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 2021-10-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have been paying on a {$16000.00} student loan since XXXX that today still has a balance of approx {$12000.00}. In the XXXX timeframe, my job was eliminated and I was forced to pay close to $ XXXX monthly for ObamaCare so I was unable to pay the student loans for small period of time. When I began working again, I was forced to pay {$5000.00} which I'm finding out now that none went towards my loan at all. The servicer, XXXX, doesn't even have record of that payment. 

Further, approx 50 % of my monthly payment is going to interest. 

I find that this loan is the clear definition of predatory lending. I will not pay on this any longer while others have their debt erased.

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 2021-06-26
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 I logged into my Venmo account to find there had been nearly {$500.00} in fraudulent online charges made on my account. I immediately contacted Venmo to cancel them and was told I had to wait until they were no longer pending. I immediately contacted the vendor after I searched for them on google and requested the charges be reversed but was unable to reach a human. 

The charges have been reversed and yet my account is still frozen so I am unable to pay and receive payments such as child support. I have reached out via chat but keep getting told to wait for an email that never comes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Renton Collections Inc.
State: WA
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 disputed a XXXX  ER Bill after a minor car accident XX/XX/XXXX. XXXX claimed XXXX denied the claim and XXXX refused to resubmit to include additional detail. 

I paid the debt in full, {$480.00}, to Renton Collections by check XX/XX/XXXX. The collector assured me that a receipt would be mailed upon receipt of the payment. The check has been processed. 

I need that receipt in order to file an appeal with XXXX XXXX Medicare. As of today XX/XX/XXXX, I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Marlette Funding, LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This was my wife, XXXX 's loan of {$18000.00} from Best Egg. I wrote on her behalf and notified them We are experiencing extreme financial hardship as a result of severe health problems including an XXXX XXXX I suffered and multiple XXXX XXXX my wife suffered that has caused massive medical bills and left us both XXXX, physically and financially. I am XXXX, XXXX is XXXX. 

You proposed a settlement option '' of our financial hardship. Your agent, XXXX XXXX # XXXX ), who had written us offering XXXX interest options, called XXXX who gave me permission to talk with him since I am not a party to the loan. He said he was authorized to cancel the old loan and propose a loan under new terms. We would not agree without written loan papers which he promised to send via email immediately after our call. He stated the terms, I repeated them, I gave him my autopay info, he said I was correct, then said, " plus the {$440.00} ''. then hung up and did not follow through with his promise to mail the papers. The call was recorded. 

XXXX then signed a new loan on their website in our names after removing and cancelling the old one. He used my debit check card number WITHOUT my permission. I cancelled this immediately via email and phone the next morning, explained the fraud to his office and they cancelled the transaction. We no longer trust anything said to us as this obvious fraud clearly raised questions as to their business integrity and/or willingness to follow existing law. Their agent CANCELLED the original loan and replaced it on his own with a fraudulent one signing XXXX up and using my autopay information wholly without our permission. Since they unilaterally cancelled the original loan, it is null and void. 

I responded to their letter dated XX/XX/2023 in which they are attempting to collect a debt. Please record that our only income comes from Social Security and workers compensation benefits that are protected by Federal law from garnishment to pay a debt owed to a private person or company. My total income is XXXX XXXX monthly, my wifes is XXXX XXXX  monthly. The only other income is an annuity she received as compensation for being 100 % XXXX from her employment, an amount less than her SS. Our mortgage is {$2100.00}. Thankfully, our equity is protected by our automatic homestead in AZ which will keep us in our home which we have owned for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've attempted to contact Aidvantage multiple times, but have not received a single response to my messages through their website and haven't even had a customer support agent answer my phone calls after being on hold for more than an hour. Their website lacks so much functionality that I can't even see the outgoing messages I've sent to them. It should be illegal for Aidvantage to understaff their customer support team by this much as to make it seemingly impossible to get a response to simple questions and requests. It only takes a quick XXXX search to find thousands of similar complaints posted online. There are so many reports of people that have contacted Aidvantage and received wrong information, including being put in the incorrect income driven repayment plans and having payments applied incorrectly. I have zero faith in Aidvantage to service my XXXX XXXX accurately. I don't know why Aidvantage was allowed to take over XXXX 's portfolio of student loans, because I never had any of these issues with XXXX. Aidvantage needs to be legally required to answer their customers questions quickly and accurately, and if they aren't able to do that they shouldn't be able to service these loans and the loans should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to Experian, XXXX, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX XXXX XXXX XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX directly to XXXX XXXX XXXX XXXX # XXXX. 
In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX XXXX # XXXX was to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX  XXXX # XXXX ...., XXXX XXXX # XXXX XXXX.. 

As of today, the credit reporting agencies ( Experian, XXXX, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.

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 2023-12-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
The line of credit, the mortgage and the credit card was fix and for 30 years, but a worker from Wells Fargo modified the terms, more than a year ago of my line of credit, I returned and talk to her again to asking why if my terms are for 30 years and she said that the bank can make any change they want, and from {$78.00} dollar I have to pay now more than {$190.00}. Monthly and the terms are that I will pay {$78.00} dollars until XXXX, then I will repay the amount finishing up on XXXX when my contract finish. Also they frizz my line of credit, and I can't make any transactions only make payments.

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 2019-01-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.

Company response to consumer: Closed with explanation