BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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:
Dear HMF : Thank you for your response to my original complaint submitted on XX/XX/2023 ( Ref : XXXX ). Please note that I do not accept an apology for miscommunication. And the case is not closed because no resolution has been discussed and reached. 

First, it is not just miscommunication. I was provided with wrong, inaccurate information by multiple customer representatives. And those misinformation have consequences, which HMF is responsible for resolving them for me. 

Secondly, I am paying more than what I was supposed to pay to buy out my lease ( pay off in full ) because of the delay caused by the inaccurate information. Please refer to the two buyout letters generated by your system : one generated on XX/XX/ quoting me the total purchase price of {$42000.00} ; the other one generated on XX/XX/2023 quoting me a higher total purchase price of {$42000.00} ( both letters saying the quotes expiring on XX/XX/2023 ). Please explain the difference. 

Thirdly, I was ready to pay off my lease so I came down to the dealer XXXX XXXX in XXXX XXXX on XX/XX/ to do the payoff. I wanted to pay off my lease before the XXXX payment is due ( XXXX payment is due on XXXX XXXX XXXX  ) but because of all the wrong information given by HMF customer representatives, the payoff has been delayed and XXXX payment was deducted on XX/XX/XXXX  even though it is not even due. 

I request HMF to fix all the mess they created and make sure my lease is paid off as I intended originally. I refuse to pay any additional charges/fees caused by their incompetence & irresponsibility Best 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 2023-05-16
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing a negative account with XXXX XXXX. ( Account # XXXX ) As previously stated to the credit bureau XXXX I've never had any accounts, loans, credit cards, etc. with XXXX XXXX. I have disputed this information with the credit bureau and their response has been " it's been verified '' but they refuse to give me the details on how they " verified '' it. To make matters worse, they're now telling me they will not do another investigation and it is my responsibility to reach out to XXXX XXXX to resolve this matter. I have reached out to XXXX XXXX asking them for proof that this account belongs to me, but I have yet to receive a response from them. If the credit bureau has verified this account belongs to me, I would like for them to send me proof that it is mine, not just saying " it's been verified. '' If they can't provide me proof that I'm the owner of this negative account, then I would like for the credit bureau to delete it.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XXXX TransUnion issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from XXXX XXXX XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that TransUnion sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like TransUnion to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and 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 2018-08-31
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/18 I noticed a missed call from XXXX. I am seeking new employment so I returned the call. The call was answered by XXXX XXXX who said good afternoon ( it was XXXX XXXX ET ) who said he had an affadavit for XXXX XXXX ( my maiden name, hasnt been used in 20 years ). XXXX says he needs to refer me to XXXX XXXX because my case has " red '' all over it and another department handles this. He recited my current county and SSN which was alarming, he said the call was regarding a credit card account that was removed from my credit report because it is over 7 years old but to avoid a judgment for the {$3700.00} I could pay {$1500.00} today to avoid legal action. At this time another call is coming from an Ill number, I switch over to answer and its XXXX XXXX from ARA with the same request stating I am in breech of contract with an old XXXX XXXX account and to avoid legal action I need to pay. I informed him I would contact my attorney and need a number XXXX xt. XXXX. I asked them not to call anymore and send the request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX/Transunion didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2019 PAID an over draft fee of {$40.00}. Was only notified via email, which was not the best way of contact to me. 
XX/XX/2019 was notified my account was permanently and quickly closed and sent to collections. Fees during this time were accumulated totaling for a total of {$280.00}.

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 2023-06-14
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PayPal was hacked, {$500.00} was taken out of my personal bank account via PayPal. It was filed as a scam, and PayPal refunded me {$500.00}. I shut down the bank account that was hacked, and now PayPal is saying I owe them {$500.00} when I do not. I would like for PayPal to stop harassing me about a refund they put into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: Pinnacle Credit Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, XXXX is representing the creditor Pinnacle Services, LLC that is trying to collect on an old debt for a XXXX XXXX bill dating back to XX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from XXXX XXXX, XXXX dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Genesis FS Card Services, Inc.
State: IL
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:
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.

I have an account that I am not recognizing or is in accurate and it is on my credit report. It needs to be removed immediately short about us that is not supposed to be reporting on my credit report. It is in accurate. It is a strict violation of law.

reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Experian Information Solutions Inc.
State: OR
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 three accounts ( all from XXXX  ) that have been paid in full and closed. Experian is still showing as active with balance owed. Tried disputing with Experian but they reported information is correct.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was trying to make a purchase and when my credit report was pulled it prevented me from making the purchase, because I had damages on my credit report. I had 11 unauthorized hard injuries that I have no knowledge of. According to the 15 USC 1681 there should not be any damages on my credit report that is a defamation to my character.

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 2023-06-15
Company: Medical Data Systems, Inc.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$12000.00} I called this company left a message for someone to call me back they never called and still reporting. 
XXXX XXXX opened XXXX XXXX, XXXX {$160.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it. 
MEDICAL DATA SYSTEMS opened XXXX XXXX, XXXX {$2200.00} I spoke with an representative and told them I dont recalled doing business with them send me a signed signature of the application they never send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company put the mortgage account under someone's XXXX who never owned the property. I have tried for XXXX XXXX to prove that person never owned the property. They continue to provide tax information and all of it has the wrong XXXX. I have provided the trust documents and they still refuse to put it under the proper XXXX. I have gotten a lawyer involved and they still refuse to change the information. There is not one person to go to so you have to explain the situation to a different person each time you call. 

The company is SPS ( Select Portfolio Servicing ) In XX/XX/2022 I reached out to change the account name because the Account name because the account was associated with grandmother not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instead of updating the account name to match the SSN they updated the SSN to match the account name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided various documents proving she never owned the property but company has not changed the information. They agree that the property belongs to me but they have so many departments that can not interact with XXXX another that nothing has been done. I need to file taxes but they continue to provide erroneous tax information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This is a complaint for XXXX on the basis of National origin, Ethnicity, Gender, perceived religion and creed. 


On XX/XX/XXXX, I opened a credit card account with Citizens Bank, with a credit limit of {$2000.00}. 

I made my payment on time and the account was in good standing. 


On XX/XX/XXXX, I thoought to bring the balance down for XXXX reasons. I had to make urgent purchases on line and to improve my credit score, as well. 

I made a payment of {$500.00} at the branch teller, to bring the balance from {$2000.00} to {$1500.00}. 

The next day, on XX/XX/XXXX, I tried to use the card for my urgent in line purchases, but the card declined however. 


I suppose to have {$500.00} available credit on my card to use. I called the bank to find out the reason for the declined transactions. 


The bank customer service informed me that my credit limit has been decreased by the same amount I just paid {$500.00}. 

The bank decreased my credit limit from {$2000.00} to {$1500.00}. This way the card is over the limit and will hurt my credit  score. 


Although, my account was in good standing and {$500.00} ander the limit. The bank reduced the credit limit without notice. The very next day I made the payment. 


The bank intentionally damaged my credit score and put me in financial hardship. Because, the {$500.00} payment was meant for urgent purchases. 

But, the {$500.00} disappeared by the bank XXXX  and XXXX action to reduce my credit limit without any valid reason at all. 


I have made a complaint with the bank chairman office. But all my complaints were ignored, however. 


It seems that their business culture is to cover any wrong doing, XXXX, and XXXX  conduct. 


I hope your office will fairly assist in this complaint and refer my XXXX  complaint to the appropriate state and federal agencies to impartially investigate my complaint. 

===========

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2023 I received an email about a purchase made through Afterpay US Services , LLC ( " Afterpay '' ). The purchase was for a membership with XXXX XXXX XXXX XXXX XXXX in the amount of {$60.00}. I called in and spoke with XXXX, he informed me that the charge wouldn't be reversed. I made a purchase XX/XX/2023, and paid in full by XX/XX/2023. XXXX informed me that when I made the purchase it automatically signs me up for a membership when i put in my email. I informed XXXX, it never told me or gave me the option if I want to sign up for it. I informed him that this is deceptive practices and I do not consent to the charges. XXXX from XXXX XXXX XXXX did not remove the fraudulent charge and I am reaching out for assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX reported my payment late for XXXX. They keep referring to true and accurate reporting. In this case it isnt correct. Made payment on XX/XX/XXXX and the bank decides to withdraw the funds on XXXX If there only 30 days in the month of XXXX that would put my XXXX payment on the XXXX XXXX of XXXX ( which tehnically would be the XXXX day if there were 31 days in that month. ) Bank states that it takes up to 3 days to report a online payment but in this case it took 6 days. Based on that conclusion the bank is allowed to apply payments to whatever day they see fit for processing which would not be true and accurate reporting.. Somewhere there has to be federally mandated time frame for this action to be reported.No where in their documentation do i see anything about a 3 day time frame please check XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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