BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights.

15 U.S.C. 1681 section 602.A. 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. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.

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 2021-05-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Because i was in the financial position to do so, I paid my credit card balance in full this month -- {$66000.00} -- to avoid future interest charges on the unpaid balance. I paid this online through my checking account as has been customary for years. The payment was initiated on XX/XX/2021, and the amount was extracted from my checking account electronically on XX/XX/XXXX, XXXX i received the following message from the credit card company : " Hi, XXXX XXXX We received your {$66000.00} payment and credited your Citi / AAdvantage Gold World Elite MasterCard account. Please keep this confirmation number for your records : XXXX. '' I called the credit card company this morning, XX/XX/2021, to report that two vendors had contacted me today and reported that their attempt to process payments I made to them via my credit card today were not honored. I was told that, even though the company acknowledged my payment, i could not use my card until after XX/XX/2021. 

I told the representative that this was wholly unacceptable, that I had an excellent payment record, was a 20-plus year customer, and needed to speak to someone who could help me since she obviously couldn't. She told me there was no one who could help me and that I would have to await this random hold on my account. I even asked her to at least give me {$10000.00} credit on my account which carries a {$67000.00} limit. She refused to do so. 

I find this practice absolutely abysmal, and there is nothing in any account agreement I have ever read that allows them to do this to me. 

Again, I am a good customer, I have an excellent credit rating and I refuse to tolerate this arbitrary and capricious practice.

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 2022-04-22
Company: Bull City Financial Solutions, 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 Reporting act XXXX Account # 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. My report is showing I have a past due balance of {$1500.00} with Bull City Financial, account number is XXXX. I never done business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchased a home in XX/XX/XXXX in XXXX, California, using an FHA mortgage, FirstCal as the lender, and XXXX XXXX as the appraiser. <P/>InXX/XX/XXXX, I was applying for a refi to simply shift to a conventional mortgage while rates were still low so I could lower my PMI. At the time of purchase, I did n't understand that the PMI on the FHA loan was for the life of the loan. I wanted a conventional loan prior to predicted increases in interest rates. During the process, I was notified by various banks ( XXXX, XXXX, and XXXX ) that the original appraisal appeared fraudulent and the lender backing of such an appraisal should have created red flags and concerns during the appraisal review. <P/>My home is a half-plex two bedroom/two bath home. The XXXX noted 2-3 bedroom ; however, it is clearly two bedroom - there is no den, but there is basically an enclosed porch surrounded by windows with no closet and a tile floor - not a bedroom. The original inspection noted 3 bedroom and only 3 bed comparables were used in the appraisal - no two bedroom equivalents. In addition, the original appraisal noted the square footage at 1538 sq ft whereas the actual square footage is 1495 sq ft, this difference at the cost per sq ft equals approximately a {$13000.00} increase in value compared to the correct square footage of 1495. The most recent refi attempt was halted due to it accurately being appraised as a two bedroom with 1495 sq ft and thus a lower value. XXXX County Accessor documents reveal a floor plan with 2 bedrooms and an addition of a 'sewing room ' ( built in XX/XX/XXXX ). The VP at FirstCal has verbally acknowledged to my father that it appears to be a 2 bedroom, but also noted that they have no responsibility as I am not a current client ( they sold my loan ) and that the appraisal matches tax records ( bedrooms - yes, square footage - no ). They did not review the provided material during the first loan process and at this time refuse to aid in resolution other than offering to refi at a higher than market interest rate. <P/>I 've attempted to work with FirstCal and XXXX XXXX. On XX/XX/XXXX the FirstCal compliance ( XXXX XXXX ) office noted in a letter that they would issue a ruling within 30 days. During those 30 days, I 've talked to a VP ( XXXX XXXX ) and the President ( XXXX XXXX ) of FirstCal. I 've never received a formal response as promised. Their approach was to refi the home at a higher than market interest rate and the VP assured me that the home would appraise as a 3 bed. This response also seemed fraudulent in nature as he is making assurances without seeing the property and after verbally acknowledging that the floor plan clearly shows a 2-bed home. The floor plans that they have seen from the county accesor clearly show 2-bed with an addition built 16 years ago that is classified a 'sewing room '.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
I went to att.com to pay a one-time fee of {$360.00}, the remainder of a phone installment plan I had with XXXX. I have a chat transcript with XXXX that shows the phone payoff was a one-time fee of {$360.00}, as well as a statement on my XXXX purchase history showing this was a one-time fee of {$360.00} XXXX tried to charge XXXX of my chase cards ( Chase XXXX ), which XXXX not go through and I also received text message and email " fraud alerts '' claiming my charge did not go through, to approve it, and try again. I tried on a second Chase card ( Chase Sapphire ), XXXX attempt did not go through and XXXX did. 

Again, all invoices and all documentation show I had a one-time installment payoff of {$360.00}, there is no record of XXXX being owed {$360.00} multiple times. 

While only XXXX of the charges should have been posted to my Chase card, all XXXX were then posted due to the chase fraud alert system and what may have been issues with the internet payment system. 

Chase claims XXXX provided documentation to prove that the XXXX additional charges of {$360.00} were accurate, however, neither Chase nor XXXX have provided me proof of invoice of more than the one-time {$360.00} charge owed to XXXX, nor have they provided proof that I approved more than a one-time charge. 

This was a one-time payoff of an installment plan for a phone, which is clearly documented in both invoices, chat transcripts, and bill history on my XXXX account. There is absolutely no legal reason that XXXX can claim the additional XXXX charges that were posted to Chase due to the fraud alert system are accurate. 

The resolution : please refund XXXX of the additional charges of {$360.00} that were errors in processing. I should be left with only XXXX charge of {$360.00} on XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting threatening phone calls from Allied Interstate about money I owe to someone. Since I DO NOT OWE ANYONE ANYTHING I told these people at Allied Interstate this but they continue to harass and make threatening phone calls. On Tuesday I received another of these calls from someone on my called I D as UNASSIGNED and decided to answer it. I've received numerous calls from this UNASSIGNED in the past but this is the first time that I actually talked to someone. The person told me that his name is XXXX XXXX and after getting verbally abusive toward me he told me that he worked for Allied Interstate, which is a debt collection agency, which I looked up after our phone call. Anyway, I told him I don't owe anyone anything and don't call again. After this call I filed a complaint with the FTC, report # XXXX, and thought that I would not hear from them for a while. This morning at XXXX am I received a call from XXXX, Texas ( XXXX ) from, you guessed it, XXXX XXXX! I reminded him that not only am I'm still on the do not call list and I did file a complaint with the FTC why is he harassing me AGAIN?? He said are you not this person and I said no. He told me that they would not call anymore and then he hung up. This person knew that I did not owe them anything but still continued to call and harass me!!! Please help me in this matter and tell them to stop this continued harassment. Thank you.

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 2023-05-24
Company: EQUIFAX, INC.
State: CA
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: National Auto Lenders, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Originally I reached out to the company to remove accounts from my credit report. I provided them with all documentation that they asked for. I will attached them to this report as well. The account was opened dues to identity theft under my old name. 
My SSN and DL does not match their records. They have a completely different name on the contract. I show them my documentation but it look like the company instantly ignore my documents. They tried falsifying documents and had to freeze my account. 
I opened a police report against XXXX because of this issue. 
I will leave screenshot of this as well. 
I need this out of my credit ASAP or I will open a investigation against the company in court. 
Below you will find. They stopped responding to my email after sending them the documents they requested. 
I tried calling them to ask information but put me on hold for hours and cut the line. 
This insane that they do this to people and not fair. 
I will leave feedback open in case someone has the same issue with this scam company NATIONAL AUTO LENDERS

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 2022-01-17
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: WI
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 have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to 640 's. Lenders are not interested in helping me get pre-qualified now.

An Equifax representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report.

XXXX cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to your last response to my complaint, you said " ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED XXXX YEARS FROM THE DATE OF FIRST DELINQUENCY '' XXXX : XXXX, is illegally still reporting on my credit report. this account is outdated! the date of first delinquency was XX/XX/2017. ITS BEEN 7 YEARS! THIS account needs to be Deleted off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: HYUNDAI CAPITAL AMERICA
State: CT
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 am writing to express my deep dissatisfaction with the current state of affairs regarding the release of my title following the payment of the buyout amount to Kia Finance, as well as the discrepancies in the information provided by your customer service representatives. 

On XX/XX/2023, I made a full payment of the buyout amount, as agreed upon, with the expectation that this payment would expedite the process of releasing my title. Your customer service team assured me, during a recorded phone call, that making an online payment was the fastest and most efficient way to facilitate the title release. 

To my dismay, despite the funds being withdrawn from my bank account, my Kia account still reflects a past-due status, and I have not received the bill of sale necessary to initiate the title release process. When I contacted your customer service team, they informed me that it would take a staggering 14 days to clear this matter, which starkly contrasts with the information I received during the phone call on XX/XX/XXXX. During that conversation, I was informed that, with the prompt receipt of the required documents, I could expect to have my title in hand within one week. In fact, I even went the extra mile by providing my XXXX account number to facilitate overnight shipping for the documents. 

I must emphasize that this matter is of utmost urgency to me, and I am deeply disappointed by the apparent lack of concern or urgency displayed by kia following the completion of my payment. The inconsistency in the information provided and the apparent disregard for my urgency is unacceptable. 

I kindly request that you investigate and expedite the processing of my title release without any further delay. I believe it is only fair that your company honors the commitment made by your customer service team during our initial phone call on XX/XX/XXXX. 

I look forward to a prompt resolution of this matter and the release of my title in accordance with the originally promised timeframe.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

I told Transunion to reinvestigate these accounts : ACCOUNT NAME ACCOUNT XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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