BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a lease with Hyundai. I lived until XX/XX/2020 in XXXX CA with a tax rate of 9.5 %. Once I signed a new lease in XXXX XXXX, when I went to make my payment in XXXX I changed the address to the XXXX XXXX Address with a tax rate of 10.25 %. I paid my bill as usual, with the current amount of {$440.00} and found they were trying to collect in error {$3.00} for taxes in XXXX XXXX. I called and told them I did not surrender my XXXX XXXX till XX/XX/XXXX, moved in XX/XX/XXXX to the new residence and would not pay. They told me since I changed my address ( they did not give you an effective date by the way ) they were charging me as if I lived there even though my lease didn't seven being for me to take possession till XXXX. I let them know I would never pay it since it was not due, they refuse to adjust their records to reflect the correct information. I refuse to pay this additional tax just because I was proactive in changing my address which I did with several vendors and no one has tried to collect undue tax.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX. I have previously opened XXXX different cases for this account, the first with XXXX Bank with case # XXXX, then XXXX with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, The BUREAUS with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to The Bureaus. 

No one wants to state claim to this account, what I am asking CFPB to do is since neither XXXX wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have XXXX XXXX TRANSUNION remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL 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 2023-11-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : SPECIALIZED LOAN SERVI XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

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 2022-11-20
Company: Experian Information Solutions 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a notice from ASPIRE that I needed to recertify my income for my income based repayments. I went to the department of education site and tried to go through there but there was a HUGE notice saying I was not required to recertify my income on loans for another year, nor were they supposed to be charging interest during the Covid -19 Pandemic. The first time I called the customer service agent gave me a one month forbearance for XXXX and told me that I would have to recertify on paper instead of electronically if I couldn't go through DOE as that was a separate website. I do not understand how ASPIRE can require me to recertify my income when the DOE says it's not necessary. I have not received anything from my other loan holder as I think they are following the rules. 
The second time I called I was given the same runaround that I would have to recertify through the mail. I do not own/have access to a printer to print relevant documents, and there is a requirement when you sign that you agree to provide relevant documents. They have not provided an electronic means and the closest printing service to me is a 3 mile walk as I have no car. I finally tried to email them through their website and I received a form email saying please call customer service ( hard eye roll ). 
Yesterday I received a bill stating I owe a {$150.00} payment by XX/XX/XXXX, an amount I can not afford to pay. I have worked very hard to rebuild my credit score and don't want it ruined by this. Today I am sending in the paper form with notations that I can not provide documentation if they do not give me an electronic means to do so. I would like two things to resolve this : 1. Either provide me with electronic means to submit documentation OR, even better, just recertify my {$0.00} income based repayment for another year as required by DOE.

2. Stop charging me interest when they aren't supposed to and remove any interest they have charged me during this pandemic. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Shellpoint Partners, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My concern pertains to the account in question, which is erroneously listed as a late payment account. Upon noticing inaccuracies in my report, I demand the immediate removal of the negative payment status associated with this account from my credit report. SHELLPOINT MORTGAGE XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. Its been well over 30 days. I feel like I am being played with. I am extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS without solution..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
I filed formal complaint that was ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Under federal law, Transunion had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. stating that your investigation was complete and the items listed were Verified. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. The information was not supplied in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
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 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 2021-02-08
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Progressive Management Systems, is reporting that I have an open account with them when I do not. The medical bill is being paid through XXXX XXXX XXXX. They notified PMS to cancel the account because I have qualified for financial assistance and will be making payments directly to the hospital. I have asked them to remove it, as well as the liaison from XXXX who speak with representatives at PMS. I have also disputed this account on multiples platforms and they are still maintaining that I have an account. The representatives at PMS are very rude and do not care about customer issues at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX JXXXX XXXX XXXX XXXX XXXXXXXX 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 2020-08-17
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:
SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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:
Whom it may concern I was involved in an accident in 2016 and my car was stolen and was a reported as Complete loss my insurance issued them a check and I thought the issue was resolved First investors then reported to my credit I owed XXXX I then contacted them to find balance was owed and I told them I had no idea I then confronted them about the reporting and they basically said tough luck so I went to the XXXX XXXX XXXX and then received an email from first investors promising to remove the negative account. I have been fighting with this company for years. Please provide documentation or proof of my signature showing that I knew of the remaining balance previous to them reporting it. If documents can not be provided please remove if not I will be seeking legal assistance in this matter as its affecting my life I can not purchase anything

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 2018-04-19
Company: EQUIFAX, INC.
State: MN
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX GA XXXX  RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Accounts # XXXX  # XXXX # XXXX  # XXXX and other accounts from the same company of XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ XXXX XXXX XXXX   } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I used the online account management to close my account and transfer the balance to another account. I have called 3 times now, been " verified '' twice once by a " supervisor '' and still my money has not been transferred and the account closed. I believe they have violated the law on the time frame to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: WA
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:
XXXX keeps reporting XXXX card and acceptance now and not updating my name and current address. XXXX XXXX is also doing the same with other account that are old and incorrect personal information being reported and equifax as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the XXXX XXXX by them. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had previously advised Chase not to send me confusing and poorly designed marketing materials, but Chase continues to do that regardless of the fact that it ridicules itself. Please see the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 an unauthorized transaction of {$1300.00} appeared on my account. I then began calling to let BankMobile know I dont know whats happening and why all my money is missing. They then stated I would receive my money back in 5 days, Once the 5 days past I never received my money. They then said it could take 10 days, then they eventually said it could take 90 days. I eventually was able to speak with a supervisor and she filled in a request for me to get provisional credit which was eventually denied. On XX/XX/2023 ( Today ) I received a email saying the case is closed and there were no supervisor notations or any details on how {$1300.00} were missing unauthorized out of my account.

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 2022-03-31
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I called into NAVY FEDERAL XX/XX/XXXX XXXX was transferred to a supervisor by the name of " XXXX XXXX, XXXX refused to start a investigation for me concerning the return of ( 4 ) remittance / coupon payments. Each payment was received BY NAVY FEDERAL XXXX XXXX XXXX XXXX VA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX They have not been rejected, dishonored or returned, NAVY federal has kept my form of payment way past conditional acceptance time period. I have called NAVY FEDERAL several times & have been met with nothing but rude, inappropriate customer service reps. They used their personal experiences & personal reasons as for reasons they will not open a case for my missing payments. this is a VIOLATION of my rights as a consumer with NAVY FEDERAL. I have been disregarded and giving no information on where to send remittances. I have done research on my own to find the correct location for my private payments with no help from NAVY FEDERAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation