BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I paid over 72 % of my car loan with XXXX XXXX XXXX and due to XXXX I got behind on my car payments. I discuss this with the auto loan finance company, but they refuse to help lower my payments or work with. I was never late on my car payments for two years. The car loan was {$10000.00} and I only owed {$2600.00} at the time of repossession of XX/XX/2022. After repossession, I owed {$2900.00}. The vehicle was sold and now they saying I still owe them {$620.00}. It is still reporting on my credit report that I owe {$2900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.

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 2023-06-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/2023, I had learned through my statements that I was being charged 1.6 % of my balance for " Card Security '' payments that I did not register for. The charges include {$0.00} on XX/XX/2023. {$8.00} on XXXX XXXX. {$4.00} on XX/XX/2023. {$26.00} on XXXX XXXX. {$22.00} on XX/XX/XXXX, XXXX and {$19.00} on XXXX XXXX. My statements do not allow me to see if I was charged before 2023. 

I contacted Synchrony Bank and was told that these payments are for an " XXXX XXXX XXXX '' feature that was added to my account through an automatic server. I asked them to rectify and reimburse the money taken from my account without my knowledge and was told I had to contact the security company directly to attempt to fix these charges. 

Please understand that the issue is not the jumping through hoops and extra inconveniencing phone calls that need to be made to fix this- The problem is that Synchrony Bank XXXX adding optional features to people 's accounts automatically without the contracted user being notified, in hopes they don't recognize it and can continue to be charged for X amount of time ( and yes, I check all of my online messages if I receive 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 monetary relief
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: VA
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Revenue Cycle Management Corp
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We contacted RCMC about multiple collections by XXXX Hospital. Some of those collections resulted from Workers Comp. medical fees that had not Ben taken care of by an employer. Once that issues was moved, we made a bulk payment on all the small debts to remove them and started monthly payments on the large ones. To date, all six collections remain active on my report which has caused my credit score to suffer. This has stopped us from refinancing our home for the past two years causing great financial hardship.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.

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 2022-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Services keep calling me at least once a day and up to 3-4 times a day. They have also called my employer to try to collect a debt and this is against my rights and they have no reason to call my employer. I have asked them to send me any paperwork regarding the debt however I have not received any paperwork nor have any collection remarks on my collection report from Portfolio Recovery Services. Below are the dates and numbers they call me from. They have used at least 20 or so different numbers. 
XXXX - XX/XX/22, XX/XX/22, XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX - XX/XX/22 The harassing and continued calling needs to end. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i am XXXX XXXX my loan with XXXX XXXX  Loan number are XXXX before my loan was with bank XXXX everything was very smooth and comfort all payment on time sudden they shift my loan to SLS from very first they they start upset me too much took out try multiple payment i paid my bank charge all lot of things to fix but they are shameless and worse customer service in world totally unprofeesionals they not listing XXXX is customer problem start argue all time not traing what is customer service i call them tomake low my payment please remove my P.M.I how much i pay without my knowlege without ask me anything sending report to Credit beure my loan modication & sudden excuse my escrow amount shortage ask more money increase montly payment and very smartley XXXX my credit to poor credit Report about my loan modification when i call even today need tell everyone whole story they mook on me finally i tried everything i think i need legal help they want keep own legal team busy all time .. No any good comunication with customer I Hate name of XXXX XXXX FRAUD too much make me disturb unfailly keep me disturb from very first day evey thing was smooth on time with Rushmore MY BAD LUCK NEED TO FACE STUPID 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 2020-02-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclays Uber Visa changed their terms of using the card, as well as the way of using the points. They sent an email about how this change will occur. In their email they talk about Uber Cash, which is a term created by Uber/Barclays and I apparently didn't understand what it means. I thought it as a re-branding of their products, which happens time to time. 
I want to use my points, which worths around {$1300.00}, but they force me to use all this money for uber drives, which is not possible. I was planning to buy a ticket and visit my family, instead, this change made me helpless. 
I believe the change they implemented hurts people and make the company profit way too much. I believe this kind of changes damages trust between the companies and the customers. 

Thank you for the 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 2023-11-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
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: Problem with personal statement of dispute

Complaint:
And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off 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 2023-06-23
Company: OneMain Finance Corporation
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: Account information incorrect

Complaint:
I have disputed the attached account multiple times and have reached out to Onemain to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with Onemain to make the correction, they said they would correct it but did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX NY 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 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 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank investigating fraud that I reported. Holding my funds with no given time frame for returning them. Not responding to my requests for returning my money even though I supplied them with accurate information regarding my wire transfer which was legal and legitimate. They say they are investigating but I have no idea why as all the information re the wire transfer has been supplied to them. They stopped banking with me but will not return my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was NO SIGN OF A PAYMENT BEING PROCESSED FOR THE MONTH OF XXXX EITHER IN THE PAST OR PENDING PAGMENTS. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not. 

This is now the second time I am submitting this complaint. XXXX had attempted to contact me and upon attempting to reach back out to XXXX, I have never been able to get in touch with her. XXXX XXXX closed my prior complaint ( XXXX XXXX : XXXX ) claiming that pending payments were made available to me when they were not, as stated in my original complaint and now in all caps in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son is covered by XXXX and the Medical office XXXX XXXX in XXXX XXXX billed incorrectly and sent his account to collections. The office fixed the billing issue and XXXX paid the bill but the debt collection agency has not removed the account from credit report. I have filed no less than four official disputes through XXXX, XXXX, and XXXX to get the account removed. My next step is to hire an attorney and sue to get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
I am submitting this CFPB Complaint to dispute the remaining fraudulent accounts and information that has been reported on my Credit File by the Credit Reporting Agencies. Under the Fair Credit Reporting Act section 605b, I am demanding the Credit Reporting Agencies to remove the disputed fraudulent items off of my Credit File as soon as possible. Despite my previous attempts to have the fraudulent items removed from my Credit File, the disputed items are still being reported in violation of the FCRA section 605b. I do not own these accounts neither did I authorized anyone to open these accounts on my behalf. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I need the following items removed from my Credit File without further delay : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.

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