BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: ERC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a collection amount of {$520.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have 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 2021-10-15
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Bought a Kia XXXX and per the Dealership - used their GAP claim company EFG companies. After an accident in XXXX - EFG Companies never paid the GAP claim. They kept claiming KIA never sent them the proper documents ( Legible contract/Settlement Check/Payment history ). This has been on our credit since. We thought it got taken care of in XXXX when we sent the information we had to EFG ( again ) and KIA stated they would send the documentation. Per EFG they never sent the correct info. KIA ( the party responsible for 1 ) recommending this company and 2 ) NOT sending the required documents ) put this against OUR credit, even thought it was their negligence on not getting the documents to EFG that they told us they would.

Upon discovering this is STILL on our credit, WE spent the time trying to gather all of these documents that KIA failed to deliver on. Finally, EFG has sent a check to KIA for the GAP claim. We want this removed from our credit as we were NEVER late with our payments. This failure was on KIA 's side when they claimed they sent the documents in. KIA should not have recommended a company they have such difficulty with. They should not have told us the documents had been sent in. They should NOT have filed anything against OUR credit when it was NOT our responsibility to pay as we bought the Gap Coverage THROUGH them and it was documents THEY HAD that would get the claim paid.

KIA was not helpful at all in getting this resolved. We had to contact our old insurance company to get a copy of the Settlement check that KIA cashed. We had to figure out our login to KIA to get our payment history. I had to scan 20+ pages of a contract ( luckily still had it 5+ years later from when we bought the car ) to get something resolved that KIA could have resolved instantly. Yet through the entire process of getting this fixed ( long strings of emails I can also forward ) they were silent and absolutely useless. They did nothing except harm our credit over something that they had complete control over.

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 2023-10-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Apparently my loan was sold to Truist 5-6 months ago. I don't know when because I was never notified. My auto debit mortgage payment that was on autopay for the last 7 years was automatically cancelled. 

They have placed my home in foreclosure! Never got a call, never got a mail, never got anything from anyone. Truist says they can not give me a payment amount, they refer to me to attorney, the attorney refers me back to them. I do not want my house foreclosed over this error. 

ALL I WANT IS TO GET MY ACCOUNT CURRENT AND RECTIFY THIS ISSUE PLEASE CONTACT ME 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 2023-08-18
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have bought clothes from XXXXXXXX XXXX on XX/XX/2023 for XXXX dollars and I paid using PayPal for this transaction. I then returned all the items back to XXXXXXXX XXXXXXXX using XXXX and the TRACKING NUMBER IS XXXX and XXXX XXXX received the returns on XX/XX/2023. But until now I NEVER received my refund for the returns. I filed a case with PayPal case number XXXX until today XX/XX/2023 PayPal is refusing to refund me my money and PayPal is refusing to decide this case in my favor and refund me my money of XXXX dollars. I have proof that XXXXXXXX XXXX received the items back and they sent me a confirmation for that but NO REFUND YET from either PayPal or XXXXXXXX XXXX. I have RETURNED THE ITEMS BACK TO XXXX XXXX  so they should refund me my money and PayPal should refund me my money but until now PayPal is refusing to refund me my money. They are both bunch of thieves and they are stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. I feel like they are taking advantage of me and are ignoring my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/2023 I received and email from a debt collection agency, Westlake Portfolio Management LLC stating they had my loan that was with XXXX XXXX XXXX. I had contacted the company several times only to receive a different story each time. I sent a letter of Validation of Debt multiple times to be either ignored or told they never received the letter yet stated they knew about it. I asked why my account was with a debt collection since I was never late nor behind on my payments and could not receive an answer. I asked for the judgment stating my account was to be with a debt collection company as well as validation they are even legally allowed to collect in the state of Georgia and both questions were ignored. I am not refusing to pay said debt once validation is made but WestLake Portfolio Management LLC is refusing to acknowledge the Validation of Debt letter and is taking on late fees and reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid credit control LLC to settle a debt from XXXX XXXX XXXX XXXX. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my XXXX XXXX is affected.

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 2021-10-15
Company: Resurgent Capital Services L.P.
State: TX
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:
Recently I checked my credit report for the first time in a year and I was astonished to realize all of the fraudulent accounts that had appeared on my credit report. Sadly, I am a victim of identity theft. LVNV Funding and XXXX XXXX was one of them. I have never ever entered a consumer credit transaction with LVNV Funding LLC or XXXX XXXX XXXX  XXXX XXXX. Attached down below is my request for full material disclosure and debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I APPLIED FOR A VISA FROM CHASE BANK AND WAS DENIED, I DON'T KNOW WHY THEY DID IT IF I HAD 2 XXXX CARDS ( PLATINUM AND BLUE CARD ) I THINK MY SCORD IS NOT IN THE CREDIT REPORT, ONE OF THE XXXX CARDS IS FROM 1991 IF COPIES OF CREDIT CARDS ARE REQUIRED, THEY WILL BE SENT IT, COULD YOU HELP ME ABOUT IT.. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon receiving an updated credit report in XXXXXXXX XXXX XXXX  I noticed this credit card opened in my name that I never opened. I need this account, along with the inquiry removed from all credit profiles and consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I pulled my credit report and there was a debt collection agency by the name of Caine and Weiner asking for the amount of XXXX. I have never done any business with this company. I sent the company a letter dated XX/XX/2021 to ask them to valid or verify that this debt is mine. The company sent me a final bill from an insurance company with an amount owed of XXXX, The company did not verify with a signed contract, with a list of services that I was contracted with them. The company also did an hard inquiry with my authorization and inaccurate information is being reported on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
The credit bureau 's are reporting incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern This shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Never seen this company AVANTE USA before and do not recognize them. Sent me a letter demanding to pay them {$930.00} as part of a settlement on XX/XX/2023. They need to view any original debt with original documentation if valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

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 2019-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Kindly forward all my letters to the assigned Consumer Reporting Agencies and Collection Department because I have multiple disputes concerning the incorrect and inaccurate accounts that they've furnished on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX. The three credit bureau 's have also failed to respond within 30 days of my disputes in the past.

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 2023-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist Bank ( formally SunTrust Bank ) issued new debit cards, before I can replace my new cards to my online accounts such as XXXX XXXX XXXX trusit had already allowed XXXX XXXX XXXX to have my new card info without telling me, and XXXX XXXX XXXX charge my truist checking account for a service, I didn't want to update my new card to XXXX XXXX XXXX that is why i never did, and Truist went along and gave the company my card info without my permission. I have incur overdrafts fees in the hundreds this is unfair, and at the same time truist is paying your debits/ purchases out of sequences. Causing more overdrafts. customer service is non existing and rude, your on hold for over and hour. 

How is it even possible for truist to give a customer info to a company with out permission? 

I never updated my new debit card with XXXX XXXX XXXX so how did they get it, it was accessed through truist

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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, Transunion & XXXX. This account does not belong to me.

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