BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: HYUNDAI CAPITAL AMERICA
State: PA
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 have a credit check from HYUNDAI CAPITAL AMERICA un XXXX. I live in XXXX XXXX  and never did anything at that time to inquire about a loan from them or anyone. I tried calling to get removed but it took the 4th phone number and different city branch to get ahold of someone that has no idea what to do or where to send me. There is no one to talk to from Hyundai capital and as soon as you call they say to talk to support call different number and company? Please help this is very scammy

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 2022-09-09
Company: AVANTE
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 act Avante USA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2018-08-27
Company: EQUIFAX, 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:
In XX/XX/2018 I sent a dispute to Equifax regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to Equifax, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, XXXX   still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2022-06-02
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
So here is the thing. Ive been trying to work this out since XXXX and nobody is helping me. Customer service has no answers. You can never reach a supervisor and they never call you back. I have sent over 50 emails with no response. I talked to a person at avant that said the company came to the conclusion the card was issued fraudulently. Fine. Now all i want is a letter saying im not responsible for the charges because avant said its fraud. One person tells you one thing and someone tells you something else. The agents constantly hang up on you. My next step is to contact a lawyer because ive had enough. Since avant investigated and said it was fraud i want my name cleared. I want it off my credit and i want the balance settled. This need to be worked out now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have two accounts with Truist which total {$21000.00}. These accounts are never used and the money just sits there. I check the balance at least once per year. These accounts were originally in BB & T and I have held them for over a decade with no problems. 
Upon checking my balance in XX/XX/2023, I noticed fraudulent charges on a debit card in one of my accounts. I don't use either of these accounts and have never used the debit card that Truist sent me when they merged BB & T. The company making the fraudulent charges is unknown to me and I have no relationship with them. I reported the fraud charges immediately but Truist has denied {$89.00} of the charges because they occurred more than 60 days before I reported the problem. This policy requires the customer to be responsible for the safety of his money. Truist accepts no responsibility for the loss. 
I'm an old man and have had many accounts and many banks in my day. Truist is the first bank to lose my money and then refuse to make it right. For all I know Truist employees are stealing money this way. How could anyone know the numbers of my unused debit card? Only an employee could have that access. I accuse Truist employees of stealing my money and giving me no way to recover it short of a law suit. 
I only lost a small about of money and it could have been much worse. But I'm forced to pull my money from Truist and take my business elsewhere. I can not trust that Truist is able or even willing to safeguard my money. I've been told in no uncertain terms that my money is not going to be returned to 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 2023-05-26
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
At the end of the XXXX  XXXX  I applied for a private student loan. I ended up not needing the loan so XXXX XXXX XXXX cancelled the loan and I never received it. It is not on my student account and it is shown as cancelled. However, they said they sent the money. I never received a private student loan from discover.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
There is a XXXX XXXX account number XXXXon my credit report that is still showing on my report that should not be there. It has been over 7 years and they should be dropped off 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 explanation
Consumer complaint received 2023-05-26
Company: Porsche Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Porsche Financial Services engaged in the following actions : 1. Offers on-line payment option via their website 2. Website offers no ability to check payment history to determine outstanding balances, total loan balance or even access full account number 3. Amount shown on website is inaccurate and does not necessarily reflect amount shown on paper statements mailed to you 4. There is no way to download a copy of paper statement online 5. Calls to XXXX have resulted in agents saying that both the amount on the website AND the amount on the paper statement is correct but that the amount shown on the website only reflects invoice that " hasn't been paid '' not an upcoming invoice that is due in 2 days 6. I have plaid the amount shown on the website with every payment 7. Porsche Financial Services aggressive tacks on late fees and has reported to credit bureaus.

8. Despite paying what the website reflected as payment due every time, I continue to be told I am late with payments have been reported to credit bureaus as more than 30-days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2022 on Friday, I went to XXXX XXXX to try and finance a car. I told the agent the vehicle I wanted and shortly after I was told that in order to get the car I wanted I would have to put more money down or get a co signer. I asked the agent I was working with as well as her manager what banks they tried to go through, as well as their address and phone number. I was told that they could not tell me and that I would receive a letter in the mail with information I required. I was told there was four banks and I only received one letter. On XX/XX/XXXX. XXXX  I received an adverse action from Capital One, the letter stating I was being denied. I then called Capital One to inquire why this was the case. I asked for what laws stopped you from approving me. I was then told that it could have something to do with my credit report. I replied with the following three USC laws. 15 USC 1602 ( f ) which tells me credit is my right, 15 USC 1603 ( p ) that makes it clear that fraud was committed by taking my credit card without authority and I received no benefit, and 15 USC 1691 ( a ) ( 3 ) that states I can not be discriminated against for exercising my rights. Which he then replied that no human is actually in charge of the process and it was done through computer automation. I called XXXX XXXX I was trying to figure out the price of the car I was denied for, when looking up the information I was told that there was no car on file. When I asked how this is possible I was told that someone would call me back with no time or reason even though I was talking to a manager of the sales department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This loan 's interest rate is well beyond what is legal in my state. I have made several payments towards it but I did not realize the loan was illegal in my state.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to XXXX, XXXX and Experian to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting

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 2019-01-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Four years ago, I opted for the " Income Driven Repayment '' plan offered by Navient, due to my own unemployment. Navient was very misleading about what this meant. Among other things, my loan was transferred from the government sponsored student loan sector of Navient to the private loan sector. Part of the statement calls is a federal loan, but my payments must be sent to the private sector loan section of Navient.

My statements have also been conflicting and misleading. When I would call, they would tell me that I was paid up ahead of time. But my online statement would say that I was behind with fees. In addition to the government/private loan conflict, the loan statement has me paying two different loan amounts two different times per month, though it's supposed to be a consolidated loan. It makes it impossible to make accurate payments, without additional fees and penalties, when my email statement, online statement and what they say when I call in all conflict.

Fast forward 4 years .... now that our income is more stable ( though we are still playing catch-up with several forms of debt ), my loan payments are now {$70.00} more per month than they were 4 years ago, and my principal has gone up several thousand dollars from what it was when I first applied for income driven repayment. My initial student loan payment when I got out of college was at a little over a 3 % interest rate, just over {$200.00} per month for 20 years. 21 years later I am scheduled to now pay for another 20 years, at a rate of {$75.00} more per month. They made it look like the income driven repayment was meant to help us pay off our loan, but what they actually did was insure that I would be paying them for the rest of my life. This is predatory lending at its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: LA
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:
Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, Equifax and XXXX over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, Equifax and XXXX to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from XXXX, XXXX and Equifax stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
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 have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! 

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law.

Please find attached document that further proves my claim.

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 2020-02-15
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 Loanme filed a complaint against me in the Superior Court of California , County of XXXX XXXX. Case Number XXXX. 

They contacted my employer numerous times harassing human resource department, threatening to visit my employer. 

They sent someone by my employer and tried to serve me at my place of employment twice. They actually served papers to my human resources department. 

The continued their harassing calls to my employer and this cause undue hardship with my employment and threatened my employment. I could of lost my job. It did do damage to my reputation as a XXXX and for this I am marked by employer as not being financially stable. 

Fair debt collection practices laws were violated and I am seeking a correction. 

I went to court and paid this bill in full. This bill was not charged off but paid in full. 

I want this account totally removed from my credit report. I paid over the amount that I borrowed. I called the company and tried to work out a pay off of the account, but when I called they would not take allow me to pay off the account. Then the collection activity started. I have proof that envelopes were sent to my place of employment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. They addressed the envelop to my employer so they would open it and read it and know all my personal affairs of this loan and the complaint that was filed in Superior Court. 

This is a direct and planned strategy of LoanME and should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company continues to report deliquent payments on the credit bureau websites despite the fact that I am current. This is causing emotional stress to me because I continuously have to address this. This is a violation of fair reporting. Help all consumers fix this.

Company response to consumer: Closed with explanation