BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After major accident the vehicle I was financing I chose to have it voluntarily repossessed. Kia Finance sold the car and charged off the remaining balance on my account. Now Im have a {$17000.00} balance.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Below I am listing all the accounts that I found was to be wrong. Account Name : XXXX  Account Number:XXXX This Account is only being displayed on XXXX and no other bureau. I have tried to dispute this account with XXXX but with no luck. Account Name : XXXX Account Number : XXXX This account is only being reported on XXXX  and no other bureau. I have tried to dispute this account and with no luck. I am not sure what company this. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account has different dates from last reporting to date last active. Account Name : XXXX XXXX Account Number : XXXX This account does not appear on XXXX but the other two are reporting different information on 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 2019-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the beginning of 2018, my wife lost her job which caused extreme financial hardship on my family. Our overall household income was cut by 50 %. I contacted Bank of America in late XXXX/XXXX of  2018 to ask for an extension. I was told at that time they did not have an " extension offer '' that month and to call back next month. I called back 30 days later and was told the same thing, no special this month. The representative at that time told me to call back again next month or when I fall behind on my payment, maybe then we can help you. 
Couple of months went by and we continue to struggle. Finally, I got a hold of a manager that finally  approved the 2 months extension and also informed me that they could have helped earlier. So the extension was granted for XXXX and XXXX of 2018, yet, Bank of America reported delinquent payments for XXXX and XXXX and until now, still refuses to remove the negative remarks and all the fees. They continue to deny my numerous requests and claim that it was after the fact. 
We made the same request to other banks regarding our situation, Bank of America is the only one that did this, everyone else was willing to help. It feel like the representative/department enjoys making their clients lives difficult by damaging their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$15000.00} cashier check drawn off XXXX XXXX XXXX XXXX XXXX in the ATM of Mountain America Credit Union on XX/XX/XXXX. Upon deposit {$1500.00} was released immediately. The remainder of the funds were released at midnight on XX/XX/XXXX. I used some of the released funds and in addition my paycheck was electronically deposited on XX/XX/XXXX. At approximately XXXX Mountain America fraud department called to inform me they put a new hold on my funds. They said this was due to a lot of fraud and they felt the check looked suspicious. I expressed to them in multiple phone calls to multiple representatives that they now have taken all my funds including my paycheck and have left me with no money. I am an over the road truck driver and am stranded now with no access to money. With the new hold of the entire check my account is now overdrawn by {$7800.00}. Due to the fact that I had already paid bills with the released funds. Theses funds should have been easy to verify as it is a Bank Cashier Check. They have had 4 business days to verify this check. They will not give me a date for release, but said it's could take as long as XX/XX/XXXX. That would be a total of 11 business days after deposit. This is excessive to verify a Bank issued cashiers check, and well outside thier normal release policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: TX
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 XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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:
Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NV
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 one of my numerous 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 and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2023-10-19
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX under XXXX XXXX XXXX XXXX is reporting as a collections on my Equifax credit report. I filed a FTC Identity theft report and sent it along with my driver license and social security number to Equifax and filed a dispute. I was told by Equifax in XXXX Georgia, that my information will be uploaded on their system in 5 days and can be seen by the Equifax call center. On XX/XX/2023, I called Equifax and was told by several managers that my FTC identity theft report was validated and the collections will be removed within 7 days by Equifax back office. 

I was lied to. The collections has not been deleted. This is causing delay in housing for me and my children. Being homeless due to identity theft is a crime. Please help me get this removed so we can get a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an email XX/XX/2022 from XXXX which is a company that I had a XXXX XXXX XXXX XXXX  with. The email stated the following correspondence : Saying goodbye is never easy XXXX, You are the reason we built XXXX. Youre the reason we created XXXX XXXX XXXX All companies change shape and grow at some point. Our time has come and we are saying farewell to our beloved XXXX XXXX XXXX plan to focus our efforts on other products that will help people in greater ways. 


On XX/XX/XXXX, our trusted partner, XXXX, will be taking over for the duration of your loan. You will make payments and manage your account from their website. Aside from XXXX now being the servicer, nothing else about your loan is changing, and all terms will be the same. Continue to make payments on your scheduled due dates. If youre using AutoPay, it will continue to work as usual. Youll be able to download all of your loan documents and statements from the XXXX website. 
1. So my payments which were on auto pay began to come out of my account with the new company as of XX/XX/2022. However, the new company has not reported any of my bi-weekly payments to any of the credit bureaus. And when I tried to file a dispute with all three agencies regarding this matter I was given an message that stated I am unable to dispute the information. 
2. Also the company is listing on my credit report that my monthly payments are {$270.00} which is inaccurate. I pay {$120.00} bi-weekly and there are only 4 weeks in a month that comes out to {$250.00} per month not {$270.00} as being reported by the credit reporting agencies. Which you can see from the documentation provided. And the same message was received when I tried to dispute that inaccuracy as well.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the XXXX late payments I want the trade line to be deleted.

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 2019-03-17
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received calls about an unpaid debt from someone claiming to be XXXX XXXX XXXX. She stated they are a law firm and that legal action is being taken against me for fraud. Someone else also left me a voicemail stating they would be coming to my workplace to give me documents. I asked for a website, address, and other types of information to verify they were a real agency. She was very rude and refused to give me any information about the law firm.

Also, Previous to this instance, they have contacted my mother, husband, father in law and a coworker of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In early XXXX, I experienced identity theft and fraud on a number of my consumer accounts. One account was with PenFed Credit Union. On XXXX a withdrawal from my account in the amount of {$2000.00} and on XX/XX/XXXX a withdrawal for the amount of {$1000.00} was made from my checking account from a merchant named XXXX XXXX. These withdrawals were unauthorized. 

I contacted PenFed to make a dispute and I was told the withdrawals were made by me to my XXXX XXXX account and the dispute was denied. I do not have a XXXX XXXX account and I believe this transaction is related to the identity theft I experienced in early XXXX, XXXX. When I try to dispute these items, I am told it is a matter for the fraud department. The fraud department refuses to take the claim and informs me I need to dispute this with the dispute department. The dispute department says it is a fraud claim, and I continue to be given the run around. 

I have a separate claim with XXXX XXXX informing them that an account was established in my name with their platform. However, they are telling me I need to dispute any withdrawals from my bank, not them. I am at a loss. PenFed is refusing to help me or give me any direction on this dispute.

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 2023-10-03
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I ordered apparel on-line from XXXX XXXX. I received the three like items which were defective and notified the retail store. They had requirements to meet to issue a credit which I fulfilled. When I received a bill from Comenity I phoned immediately and advised them that the items were being returned and a credit issue, therefore I would not be making the payment. They noted the account. 
In XXXX I received another bill for the purchase amount, interest and a late fee of {$33.00}. I phoned again and their response was, " That's not our problem. '' Finally XXXX XXXX issued the credit and I paid the shipping and sales tax which they had not included, but I just wanted it done so I paid it. 
The next month I received another bill showing the credit and my payment, but continuing to accrue late fees and interest. I phoned again and they said, " We don't care what they did. We'll continue to charge you until you pay it. '' When I said, " But you are charging me for nothing '' they said, " And we will continue until it reaches an amount that makes it an amount to send to collections. '' The Late Fee went from {$33.00} the first month, {$38.00} the second month, {$39.00} the fourth month, and they are adding interest each month. My last bill was {$230.00} for NOTHING! They are also reporting monthly to credit institutions which is lowering my credit score drastically. I phoned them again and they said they didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The GAP/The synchrony Bank without permission, placed my billing under the billing which means, I DO NOT RECEIVE ANY PAPER STATEMENTS. If I didn't see that one email i would have never of know about a bill that was due because it was never mailed to me. I have been receiving paper statements for over 10 years. 

This is what I wrote to GAP ; XXXX, you don't have a right to change my billing to ebilling without consent. I spoke with a rep at synchrony bank and was informed that the change was made on XX/XX/2020 at XXXX. I never consented to this. I will me filling a complaint with the FTC as NO CONSENT was allowed to change the billing delivery from paper statements to e- billing. This would of caused problems as DO NOT have access to a computer.I 'm requesting for 30 % off promo code for the hassle.

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