BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX my XXXX XXXX XXXX XXXX was a Total loss have a remaining balance of XXXX for my gap Insurance to pay my gap insurance needed my contract and payment history from my line holder which is Kia motor finance but my lien holder Kia Motors Finance dont have my contract no where on file .Then Kia motor finance submitted the wrong finance amount in there system that I have on My original dealership contract that I signed. I then told Kia motor finance how do you have no contract when you bill me statements every month with the right Monthly payment they never have no answers I call them everyday I talk to All the supervisor in there they tell me they All tell me they have to wait till booking department emails them back because the booking department is the one that gets the contract from the dealership and has to put it in the system so they can see it in there their system .with that its been A month and a half and there is still no contract and still no reason how they put in a wrong finance amount. Every time I call they just keep telling me we will email the booking department. And then Kia motor finance is still billing for that balance XXXX And also Billing me late fees due to their actions they dont have my contract that I can give to my gap insurance are any questions on how they have the wrong finance amounts on their behalf .so my gap insurance cant go on with the pay out till they respond and have the contract Kia Motors Finance is still telling me I still need to make the payments when there at fault for this Because of their incorrect actions they made. Now it affected my credit score real bad I ask Kia if they can put a hold on the payments till they get the contract from there booking department because there at fault for this they told me no they cant and steel charging me late fees even when they no they dont have a contract on file and wrong finance amount .I cant pursue on with the gap Insurance pay out until my Kia Motors Finance fixes their mistake they made one there end which I never get answers from them and I called them every day and they tell me the same thing over and over. My gap only gives up to 6 months its been since XXXX I been dealing with this .So basically my Contract I financed at the dealership doesnt match Kia Motors Finance XXXXount in their system and they dont have no contract in their system They basically messed up my credit score and my life Causing my credit score to drop majorly..I even took upon to write a letter to their legal department to their headquarters and to their customer complaint

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 2023-01-24
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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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

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 2022-02-07
Company: Experian Information Solutions Inc.
State: TN
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 have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX such as XXXX XXXX all of this XXXXnformation is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on Identitytheft.gov and I will attach this file with this complaint.

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 2023-05-09
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This contract was handled with the company directly and is not a correct debt. I have proven this on my disputes with 2 credit reports and this has been removed. Instead of sending me proof of the debt, they just try to verify it as " accurate '' with NO PROOF! 

Credit Collection Services is the company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I agreed to a month trial of the services provided by XXXX for nutrition. They increased the price I paid since I was not agreeing to sign up for the full 6 month contract and I agreed. I was not advised that I was signing up for a recurring monthly charge that would require 30 days notice to cancel. Therefore, in order to sign up for one month I would need to advise that I was cancelling on the day that I signed up. 

After the month was completed and paid for, on XX/XX/XXXX I was charged for a second time {$490.00}. I tried multiple times to contact someone about this and would leave messages with the answering service as the business can not be reached directly. Finally, XXXX XXXX called me back days later and advised that it was a monthly recurring charge. I advised her I had no knowledge of that and she insisted I signed the agreement. I received an email from their " support '' team finally on XX/XX/XXXX advising that XX/XX/XXXX payment would be my final payment and my membership was valid for the next 30 days. Therefore, in theory I should only be responsible for 2 payments of {$490.00}. 

On XX/XX/XXXX, i received invoice number XXXX in the amount of {$2900.00}. This assumes 5 payments of {$490.00} and a 16 % chargeback fee and a collection fee. I again tried to contact support with no response. Apparently, my messages were received and I received a revised invoice with no explanation on XX/XX/XXXX in the amount of {$1100.00}. This assumes 2 payments of {$490.00}, a 16 % chargeback fee and a collection fee. This invoice continues to be incorrect because I already paid {$490.00} in XX/XX/XXXX and that charge was not disputed or declined. 

Instead of correcting their erroneous invoice or responding to my calls, they sent my file to collections with Fein, Such, Kahn & Shepard. This debt collector sent me a debt collection bill in the amount of {$2800.00} which is a wholly inaccurate amount since my account has been cancelled since XX/XX/XXXX. I was only a member for 2 months which is $ XXXX  monthly. This debt collector did not verify the debt before contacting me or is trying to intimidate and harass me by including a larger completely inaccurate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Early Warning Services, LLC
State: OH
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX ( XXXX  XXXX XXXX & Early Warning Services , 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my Early Warning Services consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. Early Warning Services responded by placing a block on the XXXX  file due to Identity theft in which I included a police report. I then received a letter from XXXX attempting to collect on this alleged debt. Early Warning Services sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at Regions bank to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that Early Warning signs has to provide copies of signed documentation and Early Warning stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. Early Warning didn't properly investigate this information so why are they reporting this information on my file. Lastly, Early Warning didn't respond to my dispute regarding XXXX XXXX Bank at all. This letter was included with the other two dispute letter sent by Certified Mail as Early Warning did say they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: AR
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 notice on my credit report with Experian they drop my score by 32-point this month for what I do not know. They also charge me for membership that I did not request finally I got a hold to them and I asked them to drop it and they did. Membership # XXXX I can no longer look at this account that ok. My Report # XXXX for XX/XX/XXXX. By dropping my score to 32-point was a lot. Please let me know what's going on. My Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ar XXXX Date of Birth XX/XX/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 2022-12-05
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:
In accordance with the fair credit reporting act the following creditors have violated my rights : 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 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.

15 USC 1666B : A Creditor may not treat a payment on a credit card or installment account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: OH
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 not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX living XXXX has been identity thefting. I trusted him before so all my personal mail was deliver to his address. 

phone XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA USA has been using my personal information to trying to applying the loan etc. Identity theft has been happening recently. 

First I caught him making XXXX  XXXX card under my name. And he attached my name with my XXXX XXXX routing and account number. About XXXX dollar has been deducted by XXXX  XXXX credit card company from middle of XXXX. 

Second I see he trying to use my XXXX account. But I did not authorize the use so it blocked. 

Now I got the call from XXXX XXXX  super visor her name is XXXX XXXX. She said there were suspecious activity on my account so they had to freeze my XXXX account. ( Someone was trying to trying to transfer my funds they said probably XXXX did ) There might be more stuff are happening which I have not know yet. 

Such as trying to loan under my name etc.

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 2018-11-06
Company: BlueChip Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I was issued a loan from XXXX for {$600.00}. To date, I have paid {$620.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$600.00} loan, the fees collected should be {$90.00}. XXXX states I still owe {$160.00}. For a {$600.00} loan with a {$90.00} fee, my amount to pay would be {$690.00}. With the {$620.00} which has already cleared, to collect another {$160.00} from me would mean XXXX will receive {$790.00} on a {$600.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. I will pay a final payment of {$75.00} on XX/XX/XXXX. At that time, I want my account marked " Current/Paid in Full/Closed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I checked my XXXX  credit report and a debt for {$4300.00} from a company called Transworld Systems. It was reported on XXXX XXXX,2020. The company states the debt is 2.5 years old and it has no account type to identify what type of debt it is. The company put a fraudulent debt on my credit report. I have no knowledge of this company. Then at the bottom the company put remarks stating it was result of a natural disaster. I have no idea how they obtained my information. Two years ago I wasnt in a natural disaster. The collection agency or the original creditor I have never done business with. I live in California and the original creditor is not even located in the stare I have lived for the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Old information reappears or never goes away

Complaint:
My complaint involves the XXXX credit reporting agency they are reporting old or outdated info which affects my credit score and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AMCOL which was received on XX/XX/XXXX at XXXX. The letter an affidavit was sent requesting proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. AMCOL Systems also has failed to provide and Health and Portability Act release form or ( HIPPA ) pertaining to this matter AMCOL Systems has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of AMCOL Systems. AMCOL Systems is in violation of the fair debt collection practice by continuing to  report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I made contact with tranunion on XX/XX/22 and again on XX/XX/22 after submitting numerous disputes on their site. 
Ive provided them with documentation proving that the account reporting on my credit report is forged/ fraud. Ive provided them with an identity theft report as well. 
Ive requested all steps and procedures on how they verified the information that they are reporting. 
Transunion told me that they dont verify anything. They send the details to the company that is reporting and if they confirm my social, date of birth, and address, they allow them to continue reporting and the information I send in is not sufficient. 
Transunion informed me that because of my previous dispute, they were able to make a fast decision based off of the previous result. I was never given a proper investigation and they arent accurately furnishing 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 2018-11-06
Company: MIDCOUNTRY FINANCIAL CORP
State: ME
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 took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.

Company response to consumer: Closed with explanation