BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
multiple times account was supposed to be working with direct auto payment from our account but it does not. Then we get calls from an outside us call center. Reps are rude and hard to understand. Even when they call they actually sound like scam.and when you try to fix the issue they still treat you harshly. And after auditing the account I noted we have about 4 late fees that were attached. These late fees were also not explained and seem to come up under the original payment form. They add late fees without telling you.even though its their fault. Im seeking these late fee be refunded to us. And professional an courtesy when contacted.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 2019-06-21
Company: EQUIFAX, INC.
State: IN
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 not late on my accounts, I wonder why Equifax, report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXXXXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX.I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX Account XXXX is wrongfully appearing on my credit file on XXXX, XXXX & EQUIFAX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: TX
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 filed a complaint with the collection agency but the bureaus, in my opinion, hold some responsibility also. The only reason I know about this is because I received an alert from my credit monitoring service to a new collection reported. I have been working on my credit and was getting much better. Real quickly, my monitoring service just posted a collection from XXXX XXXX XXXX account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. I never received a phone call nor any letters from this company which I filed a complaint about. Additionally, the bureaus are showing as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. The issue is now I have 2 negative items both showing a balance owed for the same thing, and both are effecting my debt to credit ratio twice for the same debt. My understanding is the credit bureaus can not report a balance from an original creditor after it is sold to a collection company. The balance has to be XXXX XXXX out from the original creditor. Otherwise, the original creditor shows a debt owed, the collection shows a debt owed for the same debt and I get penalized twice on my debt to credit ratio. I am in the process of getting a loan and this is the last thing I needed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: MOHELA
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:
Mohela has been reporting information to third parties without my consent. It has ruined my reputation. The law says I have to give written instructions for this information to be furnished but Mohela never got my written instructions, consent or authorization to furnish this information. The late payments on my student loans go against my written instructions. The late payments are an invasion of privacy and something I never opted-in to display on my credit report. Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent to this information being shared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has been reporting a business account that was never my responsibility. Experian has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

XXXX XXXX never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither Experian nor XXXX XXXX have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.

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 2018-04-11
Company: COMMERCE BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I sent a payment of {$300.00} to Commerce Bank via my online banking with XXXX XXXX. This was more than my regular payment amount. The payment was received by XX/XX/XXXX, and cleared my bank XX/XX/XXXX, as supported by the attached documentation. I had been a couple payments behind due to unemployment last year, but they knew this based on many conversations with customer service.

This company is chronically slow at receiving and applying payments to my account, unless I pay the extra fees required to pay over the phone.

OnXX/XX/XXXX, the vehicle was repossessed. I was told they had no record of my {$300.00} payment, itt was out for repo for being 79 days behind, and they would not approve reinstatement of the loan due to me being behind. After a couple of hours it took them to get my information together to get the car back, I was quoted {$5800.00} to get my car back, including fees, I immediately wired the money per their instructions and got my car back later that day, after paying an additional {$130.00} to the towing company. I was told it would take 10 days or so to get my {$300.00} back.

As of XX/XX/XXXX, I had not received my {$300.00}, so I called. After they had to research it, I got a call onXX/XX/XXXX saying they received the paymentXX/XX/XXXX and it would be 14 days from that date before I would get the {$300.00}. The attached documentation clearly shows they received it and it cleared on the XXXX. Their slow payment processing is what led to the car getting repossessed. I never did get a letter or voicemail saying that it was going to get repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MIDLAND FUNDING debt collection reported incorrect information to the credit bureaus after I refused to pay off debt. In XX/XX/2022 I spoke with the company in trying to resolve debt and I could not pay what they were asking at the time. The company changed the balance to increase by {$1.00} ( {$950.00} to {$960.00} ), reported a recent late payment of {$0.00}, and changed status of account to open instead of closed. This is in retaliation for me not paying off debt and repeatedly asking them to verify debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: SYNCHRONY FINANCIAL
State: CA
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:
Re : CareCredit/Synchrony Bank with Card Security program. 

Opened account in XXXX to help pay for XXXX XXXXXXXX and paid off in a few months. Used periodically since to pay for personal and pet care services, and typically paid off in a few months. At some point must have agreed to their debt protection program through Card Security. Flash forward to XXXX. Husband gets $ XXXXXXXX XXXX work. Reminded of terms that include zero interest for at least 12 months. Autopay in place. Defer making larger payments a few months given zero interest. Logon after 4-5 months to make larger payment, see that almost half of my ~ XXXX XXXX monthly payments have been going to this program. So zero interest offer is useless as a savings to me if I have to pay this while any balance. I have requested program be cancelled and will verify gets done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-10-17
Company: PNC Bank N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened this account in response to a zero-interest rate balance transfer offer. On XX/XX/26 I requested two balance transfers, in the amount of {$3500.00} to XXXX card and {$7900.00} to XXXX that were billed to my new account that same day. The marketing materials ( and the disclosure that was made to me at the time I made these transfers ) indicated that it would take a maximum of 13 business days for the transfers to be made and credited to the respective accounts. It has now been more than 13 business days. I have since been billed by this bank for the first monthly payment on those transfers. But the transfers have not been made. I called this bank today ( spoke to XXXX, who would not provide any additional information about her identity ) to find out why I was being billed for balance transfers that have not been made. The bank indicated it would take an additional 7 business days for these transfers to occur. I asked where it was disclosed to me that it could take up to 20 business ( not the 13 days that was disclosed ) to make these transfers and the bankXXXX said it " could not '' provide that information. This bank is engaged in false advertising designed to lure customers into opening new accounts without honoring their responsibilities to make balance transfers within the time frame indicated in their written disclosures. I believe this bank is engaged in a sophisticated type of marketing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Their investigation did not fix an error on your report

Complaint:
equifax has been reporting two collection account with XXXX XXXX XXXX XXXX XXXX & XXXX, which does not belong to me & equifax refuses to investigate these accounts that does not belong to me & under fair credit reporting act any information that is incorrect must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding my Union Bank & Trust account that has been assessed a number of late payments in violation of Federal Law. The loan was made on XX/XX/XXXX, the Note states that after the XXXX a late payment can be assessed, however, it is using Form 3247 which is a XXXX XXXX form. XXXX XXXX follows Federal Guidelines in its lending practices. I have been assessed late charges prior to the XXXX of the month and I would like to have them removed. PLEASE VIEW THE Union Bank & Trust Note ATTACHED AND CONFIRM THAT THEY ARE USING XXXX XXXX Form 3247. Pursuant to XXXX  XXXX Guidelines as stated in this link : FOLLOW THIS LINK : XXXX : XXXX # XXXX, IT STATES AS FOLLOWS : Late Charges for Conventional Mortgages. THE NOTE FOR A CONVENTIONAL FIRST MORTGAGE MUST PROVIDE FOR THE BORROWER TO PAY 5 % LATE CHARGE ON ANY INSTALLMENT THAT IS NOT RECEIVED BY THE 15TH DAY AFTER IT IS DUE. The late charge should be computed on the principal and interest ( P & I ) installment only, not on the full monthly payment of principal, interest, taxes, insurance, and other assessments ( PITIA ). THE COMPANY HAS ILLEGALLY been assessing late charges to my mortgage from XXXX to the XXXX in violation of XXXX XXXX 's guidelines. 

I would like the late payments that were assessed removed prior to the XXXX of each month and appropriate adjustments made. I'VE ATTACHED A COPY OF THE NOTE AND HISTORICALLY ACTIVITY.

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 2022-09-15
Company: Experian Information Solutions Inc.
State: MI
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:
Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from Experian or 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 2020-04-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
CarringtonMS is attempting to sabotage my Credit report with each Repository, XXXX, XXXX and XXXX by Not XXXX Reporting that theyve gotten my {$77000.00} that was electronically sent to those XXXX  at CarringtonMS on XX/XX/2020 by the law firm of XXXX XXXX XXXX XXXX for the XXXX pay-off my Home loan, Loan number XXXX as a XXXX man! The President of CarringtonMS, CarringtonMS General Counsel and CarringtonMS Compliance has conspired to Report my home loan as still owed, a White Supremacy act against XXXX homeowners in this country, but what they dont understand is I walked away with {$85000.00}, I Fight Back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

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 2018-07-30
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduate in 2015. I didnt start paying my student loans cause i want working i own then XXXX that my private loan debt. When i did get a job they wanted me to pay XXXX monthly but i can afford that i try to reason with them but they wasnt trying to help me. With my private loan i do have a co signer but the person wasnt gon na help me with it so now im on my own at the point theres nothing i can do because they be sending me threating letters and phone calls and i wan na pay then i just dont have to amount that they want because i work part time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX over-inflated lease-end buyout figures outside of the terms of the XXXX lease and XXXX extension agreements. Failing to provide a written breakdown of the accounting and by only recognizing only XXXX of XXXX lease extension payments at lease end and at time of purchase has caused damage and created excessive fees associated with my purchase. 
Per XXXX of XXXX XXXX and paragraph XXXX of Extensions Contracts ( attached ), the contracted lease-end buyout residual value is {$18000.00}. XXXX extension contract states all XXXX payments ( not including tax ) totaling {$2100.00} to be deducted from residual value for a net buyout amount of {$16000.00} plus 8.5 % tax for a total of {$18000.00}. XXXX 's XX/XX/XXXX Bill of Sale states net buyout is {$17000.00} which excludes XXXX lease extension payments ( {$17000.00} - {$16000.00} = {$360.00} ) XXXX payment history and my final lease payment attached confirm XXXX lease extension payments received but not deducted when asked to provide updated residual buyout figure and purchase in accordance with lease extension agreement. 

By not deducting all XXXX lease payments while lease was active and afterwards during allowance period, XXXX over-inflated the pre-agreed to residual value and set off a string of errors at lease buyout and purchase which has caused considerable damage and harm.

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