BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I purchased six one-way XXXX  ( flight XXXX XXXX tickets on XX/XX/XXXX through XXXX for a flight that was suppose to take place XX/XX/XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX layover in XXXX XXXX XXXX. Due to the circumstances of Covid-19 the flight was cancelled by XXXX on XX/XX/XXXX and a {$1800.00} XXXX {$310.00} x 6 ) credit was issued by XXXX. 
On XX/XX/XXXX I contacted XXXX with a refund request when looking through the XXXX website I realized this airline was no longer flying internationally and they had greatly reduced their domestic flights as well. The XXXX representative send out an email on my behalf to the merchant XXXX  for a refund request ( per the XXXX representative I was provided with an email reference number ) and after a month of not receiving any information either from XXXX nor XXXX I called XXXX back on XX/XX/XXXX. At that point the XXXX representative said they had not received any response/information to the email they had sent to XXXX and told me to wait. After waiting a couple of weeks I made the decision to contact my bank and the credit card I had used to purchase these tickets which was BANK OF AMERICA credit card to start a refund claim process. BANK OF AMERICA refunded 2 of the claims for a total of {$620.00} but has not refunded the remaining {$1200.00}. I can not afford to lose any portion if the {$1200.00}. And as of XX/XX/XXXX BANK OF AMERICA has done little to resolve my claims and when speaking to their " claim specialists '' they have pretty much said I am sorry out of luck! 
I hope you can understand my concern.

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 monetary relief
Consumer complaint received 2023-01-19
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
True testimony in a affidavit form I XXXX : XXXX secured party creditor, authorized representatives for XXXX XXXX and my daughter XXXX XXXX went to The Dealership dba XXXX XXXX on XXXX XXXX, at the XXXX territory. After running my credit giving them access to my social security number ( my credit card ), the sales man came and told me that I was approved to get a car. But they say I was only approve a cheaper less value automobile which will allow me to build my credit. I told them that once my credit is approved I can pick what I want. so anyway I agree to take less value auto. Then They said I had to put a downpayment which at this point I told them the law do not require me to put any cash down 15 united states code 1605 all transaction are paid infull. Sales man stated bank said if you want this car you have to pay the down payment, So under duress I give the FRN 'S. now after 2 years of giving Ally frn '' s I filled a 1099a with the internal revenue department that was access by the Treasury and I filed Ucc-1 financial statement. after all this Ally responded back and we can not accept any more payments. XXXX months they repo ( stole ) my car. And sent a letter stating I owe the XXXX in cash if I want my car back. 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 2023-08-29
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I hope this message finds you well. I am writing to seek your assistance in resolving an ongoing issue regarding the issuance of the title for my XXXX XXXX, which was paid off on XX/XX/XXXX. Unfortunately, my car was involved in an accident and deemed totaled on XX/XX/XXXX. In order to process the insurance claim, my insurance company requires the title for the vehicle. 

I have been in contact with Hyundai ( Kia ) Finance on numerous occasions to request the title transfer, and I regret to inform you that despite my persistent efforts, I have not received the necessary documentation. I have made calls to Hyundai ( Kia ) Finance on the following dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each of these interactions, I have been assured that my title was mailed to me ; however, to date, I have not received it. 

Furthermore, I have encountered discrepancies in the information provided by XXXX ( XXXX ) XXXX regarding the date of mailing and the estimated time for receipt. For instance, during my call on XX/XX/XXXX, I was informed that the title was expedited and sent on XX/XX/XXXX, with an expected delivery time of 10 business days. However, when I called on XX/XX/XXXX, I was told that the title was actually mailed on XX/XX/XXXX and that it could take an additional XXXX weeks to arrive. 

This situation has left me without a vehicle since the beginning of this year, as my insurance company is unable to process the claim without the title. I am facing significant inconvenience and financial strain due to the extended delay in receiving the title and the subsequent inability to settle the insurance claim. 

I kindly request your intervention in expediting the process of issuing the title for my XXXX XXXX. Your assistance in resolving this matter promptly would greatly alleviate the difficulties I have been facing. I understand that administrative processes can sometimes encounter unforeseen challenges, but given the prolonged nature of this issue, I am hopeful that your intervention can help expedite the resolution. 

I am more than willing to provide any necessary documentation or information to facilitate the resolution of this matter. Please feel free to reach out to me at XXXX or via email at XXXX. 

Thank you very much for your attention to this matter. I eagerly await your response and hope for a swift resolution. 

Sincerely, 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 2023-08-29
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They called me initially on XX/XX/XXXX stating that I owe {$500.00} to XXXX XXXXXXXX ( an apartment complex ) and then they sent me a notice by email. When they had called me I asked for an explanation of the charges and they could not tell me what the charges were for and said they would look into it for me and get back to me. I followed up with them XX/XX/XXXX and they said I owed them more than the {$500.00} because they charge interest on debts. I again asked for an explanation of the charges to be sent to me along with an explanation of how the interest was being charged and they said they could not send me a statement with that information - that they would have to request for a statement detailing what the debt was for and how the interest was being calculated. I have filed a complaint with the XXXX  and all I have gotten from the debt collector ( Hunter Warfield ) out of that was them sending me the original statement that doesn't detail an explanation of the charges or how interested is being calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 fallen victim to identity theft, and I am submitting this complaint regarding the presence of fraudulent information in my credit reports. The following items are not associated with me, and I have neither received any funds, goods, nor services as a result of identity theft, nor have I authorized them. The TransUnion, XXXX, and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by persistently reporting unverified information without providing any proof within the legally allotted time. This reporting is unauthorized. Please find below the specific items that are being reported on my credit reports : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX 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 As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
The following late payments are billing errors according to 15 USC 1666b : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All late payments should be removed, I did not get informed prior to these negative items being furnished to my consumer report and it is not making my report equitable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-10
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:
In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

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 2021-10-21
Company: ALLY FINANCIAL INC.
State: CT
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/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXXXXXX XXXX affiliate, XXXX XXXX located in XXXX. 
XX/XX/XXXX - Cancellation of Insurance Policy XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.

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 2023-08-28
Company: NCB Management Services Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested on various disputes that the following companies make the following revisions to my report based on fraudulent date being reported. 

XXXX- reporting account status as Derogatory, despite the fact that this account was settled and paid as requested. 

NCB - reporting account status as Derogatory/Collections, despite the fact that this account is settled and paid as requested. 

XXXX- reporting account status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX XXXX - reporting payment status as Collection/Chargeoff, despite the fact that this account is settled and paid as requested. 

XXXX XXXX - reporting payment status as collection/chargeoff, and reporting account status as derogatory, despite the fact that this account is paid and settled as requested. 

XXXX  XXXX - reporting account status and payment status as derogatory, despite the fact that this account is settled and paid as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: LEXISNEXIS
State: FL
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:
XXXX has been falsely furnishing my report stating that i have a bankruptcy on file.

I have documentation from the US BANKRUPTCY COURTS OF SOUTH FLORIDA stating I DO NOT HAVE AN ACCOUNT ON FILE NOR DO THEY FURNISH ANY DATA TO THE CREDIT BUREAUS OR THIRD PARTIES! REMOVE THIS FALSE INFORMATION IMMEDIATELY 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TN
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 third 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, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX P XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Experian, XXXX, XXXX To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( insert date of report XX/XX/XXXX ), I retrieved a copy of my credit report an inquiry that I have no knowledge of. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXX XXXX, XXXX. 
Because I did not apply for credit with I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, 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 2022-11-30
Company: Experian Information Solutions Inc.
State: DE
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've been having fraudulent information on my report that I've tried removing for months. I've provided everything and still no remedy. What can I do to change this?

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX Account # s # XXXX XXXX  XXXX, # XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy, 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 instruction.

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 2020-12-31
Company: EQUIFAX, INC.
State: MD
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:
New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at XXXX XXXX. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from XXXX on XX/XX/XXXX, reported as fraud and XXXX said they would remove from bureau. Application for new account was removed by XXXX after fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023, a bankruptcy was filed on my credit report, which was dismissed by me because nothing was filed in court, so this bankruptcy was never legally issued in my report, leaving aside all the information. 

During this time I have tried to get the LexisNexis Company to verify the information, correct and remove from my report any information regarding said bankruptcy, since unfortunately the information they share is inaccurate, incorrect and without data in the history so you can see in the attached files that are the credit report sent by LexisNexis where you can verify that all the information shared is inaccurate and incomplete, where they show an open bankruptcy. when on XX/XX/XXXX of the same it was dismissed since no legal allegation was filed. 

Likewise, if the bankruptcy was open, they have the obligation as established by the CFRA to confirm verifying and sharing correct and accurate information and not half-information where my credit report is significantly affecting me..

Company response to consumer: Closed with explanation