BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-23
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have XXXX or even had XXXX some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Are reported inaccurately

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 2017-11-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I opened a XXXX Checking account and Savings account with Chase in response to an advertised offer for {$50.00} when doing so. I was able to do so quickly online using a regular desktop computer. When I went to download the app, I was informed during the process that the app only worked on XXXX devices. My smartphone is an XXXX device, and I do not have any XXXX products. I immediately called Chase/XXXX to get the accounts closed. The request was put in. To date ( XX/XX/XXXX ) the accounts are STILL not closed despite numerous secure messages between myself and Chase. The 2 accounts have been removed from my account login, but the accounts are still open. Why does it take 5 minutes to open an account ( no less- from a device you can not utilize the account from ) and nearly a month ( or who knows how long, as I am not willing to follow up with this forever ) to close it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2022-05-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
To begin this loan had defaulted back in XXXX and Navient took control. I was unable to make payments when they reached out to me at the beginning of XXXX because I am in XXXX XXXX XXXX. They only option they gave me was a temporary forbearance that came with the catch of paying XXXX dollars every 3 months. Now after a year they said I am no longer allowed to do that and my current payment would be XXXX dollars. With increasing cost of living and unchanged wages this is currently not feasible. I tried to negotiate with them and they told me the only option I have would be interest only payments at XXXX and that is also temporary. I only have two years remaining in XXXX  and all Im asking for them is to work with me. Ive even inquired if a qualified under the recent lawsuit but no information was ever given to me. It was basically a take it or leave it attitude with no concern about defaulting and ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and are impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

The following XXXX accounts that need to be removed are XXXX XXXXXXXX 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 2021-09-07
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
American Financing NMLS # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX XXXX XXXX Loan Officer I started out with a credit score of XXXX when I was preapproved by American Finance. XXXX my loan officer told me to take out a new line of credit in order to help me to get a VA Loan. She told me that the VA does not accept loans that the credit is too low. Which I later found out if not true. The VA Loan has no low end limit. It is set by the lender. I am a first time buyer so I thought the lender was giving me good advice. Turns out when I took out the new credit line it tanked my credit. I went from XXXX to XXXX over night. Then XXXX told me that she could not finance my loan because my credit score was too low. SHE was the one who TOLD me to take out the new line of credit. She told me that she had been a loan officer for over 20 years. It appears that I have fallen victim to Predatory Lending. I am a XXXX XXXX and a Veteran I should be treated better than that. Now I can't use my VA Loan to get a home. American Finance acted as a Predatory Lender when XXXX knowingly told me to take out a new line of credit knowing full well I am a first time buyer and that the new line of credit would tank my credit score and then she turned around and denied my a loan that she had already processed for me. I was in escrow then she did all of this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: NAVY FEDERAL CREDIT UNION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about XXXX XX/XX/XXXX I logged into my Navy Federal XXXX XXXX Checking account and I noticed 12 fraudulent charges totaling {$450.00} dating back to XXXX XX/XX/XXXX. I submitted a fraud claim and it was handled by NFCU within days. I failed to notice that there was a time gap that fraudulent activity temporarily paused between the dates of XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX, resulting in me believing that I had accounted for of the fraud. The fraud had been continuing for some time. Prior to XXXX XX/XX/XXXX there was significant fraud that occurred. A total of 40 fraudulent charges totaling {$2400.00}. 

On or about XXXX XX/XX/XXXX I submitted a second fraud claim to cover the remainder of the money stolen from me ( {$1900.00} XXXX. A couple weeks later I was informed by a man named XXXX in NFCU fraud department that my claim was denied. After covering the fraudulent activity with him in detail, pointing out the purchases for a spoof card to duplicate my debit card. As well as the purchase locations were in California, where as I reside in Oklahoma. He said I could resubmit a claim for appeal. The next day I went to the NFCU branch in XXXX XXXX, OK and filed an appeal to the denial. NFCU continues to deny any responsibility for the money stolen and will not refund my money. Today, XX/XX/XXXX, I learned that my appeal was denied and I was told I could submit another appeal. 

The majority of the money stolen was through a company called XXXX XXXX XXXX '. It operates as a ride share service on the west coast. There were a total of 18 transactions spanning a time period from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX totaling an amount of {$1800.00}. Some transactions were for large amounts and were repeated on the same day. I would think that repeated transactions that happened over 1600 miles away from where I live would trigger some sort of automated response. 

The charges are clearly fraudulent. They do not match my spending habits nor do they happen in my geographical area. There is even a purchase for a spoof card to duplicate my debit card. NFCU claims that they need " more evidence. '' I don't understand what evidence is needed when they see the transactions for activity to purchase a spoof debit card and then have multiple transactions from a state I do not reside in. It does not make me feel safe to have money and assets in a bank that is so easily broken into and stolen from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
First of all, i borrowed around {$73000.00} for college and graduate school. After paying in an XXXX plan for over a decade, I owe almost {$200000.00}! Because I could not afford to make my payments, borrowers counciled me to default, whereupon they capitalized interest, in order to get into an XXXX plan. I was told default was required to enter into affordable payments. 
These terms are usury and were given me under fraudulent terms. 
Now, Aspire Servicing Center has pulled my loans out of the government mandated payment pause, and is billing me over {$1400.00} a month! I am currently unemployed. And WAS on an XXXX repayment plan. 
They notified me the payment pause was ending in XXXX. I sent them an application for XXXX based relief. They sent me a letter saying I was approved for a temporary deferment. That letter is now MISSING from my internal-communications folder from them, and they are billing me! Despite the federal payment pause. 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 2023-06-05
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 paid for an application fee for a home that I was trying to rent. I was denied the home because XXXX reported to them that I was evicted from XXXX XXXX XXXX in 2016. I do not live and have never lived in any XXXX XXXX XXXX Property. My mother and I have the same name and she rented from XXXX XXXX XXXX, not me. This is not the first time that this has happened and I was denied housing and employment due to XXXX XXXX and XXXX not verifying the information that they are selling to people

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 2023-10-31
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX sent XXXX a letter on XX/XX/XXXX saying the appreciate me for choosing them as a new home and are sorry to see me go ( I've lived in XXXX  for XXXX decade now ). Attached was an invoice dated XX/XX/XXXX for application, admin, and nsf fees due totaling the amount of $ XXXX spoke with the complex and asked them to send me what they have ( app, id, something ) and they refused since i told them this is fraud and I've never applied here. They said don't worry about it and it will be taken care of. I've made a police report about this and several other complexes this girl has applied to, XXXX case # XXXX XXXX case # XXXX. This past weekend I received an email from XXXX saying my credit file has been changed and my score decreased. I opened the email and saw there was an open collections account Columbia Debt Recovery LLC in the amount of {$550.00} for XXXX XXXX date opened XX/XX/XXXX, balance updated XX/XX/XXXX. I am waiting for the bureaus to open so I can call and dispute this once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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