BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I opened up a car lease account with a automobile finance company, and made all 39 lease payments. The vehicle was returned in XX/XX/XXXX. I received no further communication from the leasing company. 

In or around XX/XX/XXXX, I received a notice from my credit monitoring service that my credit score dropped as a result of a charge-off account. I looked at my report and I saw that the leasing company, continued to report the lease account as opened past the payoff date of XX/XX/XXXX, and notated a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/XXXX, respectively. 

When contacting the company, they claimed that a post-lease invoice of approx {$880.00} was sent out and never paid, so accordingly, they were entitled to charge off the account. 

I informed them I had never received the invoice and requested a copy, which they were unable to provide for the next few weeks. The verbally stated that two invoice were sent out, but finally, only were able to produce 1. 
I offered to pay the account in full in exchange for a removal of the charge off notation, and they refused. After I paid off the account in full ( as I always pay me debts ), not only did the creditor not remove the notation, but they added 11 additional charge off notations for each month between the date of the original charge- off ( XX/XX/XXXX ) through the date on which I paid the account in full.

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 2019-05-03
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It is showing that I have 9 student loan on my account. I should only have 3 but on my credit report it showing that Ive got 9 and all those are the same account number and the amount that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a dispute in regards to a fraudulent account from XXXX XXXX XXXX  I found on my credit report. When I identified the error, I went to my local police department filled a police report and was instructed to also file a report on Identity theft.gov. I filled the report on Identity theft.gov website and sent copies of those documents to experian. I opened a dispute on XX/XX/XXXX as well and within 45 days all fraudulent accounts were deleted. To my surprise on XX/XX/XXXX of this year my dispute results were updated online without written notice and the fraudulent XXXX XXXX account was now displayed on my experian report. Not included in other two major reports who were also notified of the fraudulent account. I can no longer dispute this item on line and have zero help from customer service. I was under the belief that the creditor and reporting agency had 30 days to determine the validity and respond to the dispute not 6 months. I would like this negative item removed from my account.

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 2019-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX XXXX  AND XXXX  IS REPORTING IN WORNG INFORMATION ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: U.S. BANCORP
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had purchased a pair of pants at XXXX XXXX XXXX. They did not fit and I returned them. Pretty simple. They cost {$44.00} and were purchased on XX/XX/XXXX. The item was returned with tags on it XX/XX/XXXX. My credit card was not refunded for the item in question. I contacted the store in a couple days to ask, and they stated they would investigate. They called back and indicated they investigated internally and sent the money to Fidelity Credit Card ( Elan Financial ). I contacted the number on the back of my card. They indicated they did not receive the funds and couldn't find it but sometimes it takes a month to to come in. When I waited until XX/XX/XXXX, no funds had arrived. I disputed the amount, but didn't know the exact amount as the receipt was in the other room, but I said it was around {$50.00}. When I asked for the money back and disputed the charge, they stated they will start an investigation and issued a preliminary credit. The representative on the phone stated they would credit me {$57.00} just to be safe but they could amend it during the investigation. On XX/XX/XXXX, they sent me a letter with a photocopy of the receipt from the transaction, and stated that it is different than the amount disputed. I circled the amount and stated that they have the correct one now, that it is correct on the receipt. Good job thank you. On XX/XX/XXXX I received another letter indicated that I " had not responded to the first letter and my dispute was closed and the amount was un-charged back ''. So they charged {$57.00} back to my account, but did not rectify it with the correct amount. I called immediately, and a representative stated they would reopen the dispute, could see my concern and saw the documents and weren't sure why it hasn't been processed and to give it a month. A month goes by, I called at the beginning of XXXX. They indicate the same thing, please don't report to the CFPB, give it another couple weeks it should get processed, wow that is crazy, yadda yadda. It is now XX/XX/XXXX and I am still out {$47.00} for a pair of pants that were returned months ago. Please help me! It isn't the money that is concerning ( though I do want it back ), it is the principle of the matter. 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX XXXX informed a delinquent account to my credit report. I payed in XXXX the late payments and in XX/XX/XXXX I did the loan payoff. I don't understand why my account was reported delinquent since XXXX was the one extending my payment date. Please advice as soon as possible since this is hurting my credit score.

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 2020-12-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX has a debt from Midland funding stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit report, I was alarmed to discover that Discover has reported a charge-off status for an account that I have had with them. This unexpected charge-off has significantly impacted my credit score and overall creditworthiness. I believe this situation to be inaccurate and potentially damaging to my financial standing. 

In addition to the charge-off reporting, I have also been served with legal documents indicating that a civil case has been filed against me by Discover. 

The reporting started on XX/XX/XXXX. The last reporting was XX/XX/XXXX. The amount is XXXX dollars. The civil case was filed on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
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:
XXXX, XXXX and Equfiax are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law Family Educational Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies Equifax, XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

Equifax, XXXX and XXXX are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report. 

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: AFNI INC.
State: PA
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:
On XX/XX/XXXX after being discharged from the hospital for an aortic dissection, I cancelled my XXXX account in person, by phone, and by email since I could not log in online. For the next 6 months I tried to resolve whatever issue they thought they may have had with online chat ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ), by phone ( XX/XX/XXXX and a couple more ), and in writing ( XX/XX/XXXX ), and email. After processing payment for a phone they claimed I owed, they started charging my credit card for additional monthly service! On XX/XX/XXXX I had an Army JAG lawyer contact them to try to resolve the issue. Finally I contacted my credit card company to reverse the charges they were stealing from me. On XX/XX/XXXX they sent me a cancellation email claiming I owed {$570.00}. I responded with another letter to XXXX on XX/XX/XXXX explaining why I did not owe them anything. In XX/XX/XXXX, they had XXXX XXXX ( debt collector ) start harassing me about the money. O contacted XXXX, in writing, documenting my case. XXXX sent a response that the debt was valid but stopped the harassment. The credit card company refunded my XXXX charges leaving the XXXX and XXXX charges. The XXXX had another debt collector, XXXX, being harassment. XXXX filed a delinquency report on XX/XX/XXXX with XXXX. I contacted XXXX with my documentation and they removed the delinquency report. In XXXX, XXXX had ADNI, another debt collector, begin harassing me. On XX/XX/XXXX. AFNI filed another delinquency report with XXXX. Which I will have to refute again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got injured on my job back on XX/XX/XXXX. I obtained the loan back in XXXX of XXXX. My payment were around $ XXXX a month and was made every month up until I was injured. I had XXXX on XX/XX/XXXX and XXXX for my other loans and car loan had kicked in and started to pay but this company along with another company denied it. I had XXXX insurance with this company but was denied coverage. They filed judgement against me in which I filed for a Motion to Stop Garnishment because I was trying to get back on my feet from having a XXXXXXXX XXXX XXXXXXXX. The Motion to Stop Garnishment was approved and I was set up to make {$100.00} a month towards Tower Loan debt to the attorney office named XXXX XXXX XXXX. I had paid the debt for XXXX months and for the months of XXXX I started to get in a bind again with my other bills because I was missing work due to Covid being inside the work place and they sending us home. This judgement was entered for a amount of {$3000.00} and it started up in XXXX of XXXX. From my calculation of my check stubs I am finish with this judgement but when I call XXXX XXXX on XX/XX/XXXX and asked for a settlement XXXX told me $ XXXX is 25 % of the balance and I knew something was not correct. I go to the court house on XXXX XXXX to see why the balance is off and they give me the same judgement paperwork where the amounts has been changed from {$3000.00} to {$4200.00}. I am trying to see how can a amount be changed on a judgement or how can a company add that much interest in XXXX months. But when I asked XXXX what was the original balance for me to pay off she said it was {$3000.00} my balance on XXXX XXXX, XXXX was a little over $ XXXX payoff was a little over $ XXXX. How did this company add $ XXXX to a judgement that was already entered for a certain amount and used the same documents and whited numbers out.

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 2023-08-08
Company: Source Receivables Management LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source receivable is trying to collect an invalid debt they purchased from XXXX. They are making accusations that any left over balance was due to equipment cost which was returned promptly. letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. I also respectfully request to be provided specific proof of the alleged debt with wet signatures and their communication from XXXX  regarding my conversations with equipment returns which they stated was received. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Levy Law Firm has a debt from XXXX XXXX  stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. 
Secondly I was not contacted before the judgement in any way through mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Acra Intermediate Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently, I received a letter from Citadel Servicing Corporation stating that a recent XXXX found there is excess fund left in the escrow account that is due to me. Citadel used the escrow account to pay for my mortgage, property tax, insurance etc. I paid off the loan in XX/XX/XXXX. 

On XX/XX/XXXX, I called Citadel Servicing Corporation and spoke to XXXX of Customer Service. He said that the refund payment will be mailed to me no later than 20 days from XX/XX/XXXX. 

20 days went by and I still have not received the payment. 

On XX/XX/XXXX, 48 days after I had the conversation with XXXX, I talked to XXXX of Customer Service. He said the refund payment will be mailed to me later this year due to " a logistic reason. '' As a XXXX XXXX XXXX myself, I am fully aware that mortgage lenders can take up to 30 days to refund escrow account balances to borrowers whose mortgage loans have been paid off. However, if a lender retains a customer 's money longer than 30 days, they are breaking laws. 

Please help investigate this matter and compel Citadel Servicing Corporation to release the fund to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred money from my cash app to my XXXX XXXX account. XXXX XXXX advised cash app reversed the transaction and has the money. Cash app refused to look into this case and denied my claim 2 mins later without looking into it. I wasnt even done uploading my bank screenshots or the letter from my bank advising they reversed the funds and I got a notification my dispute is denied and will not be looked into. 

Legal name : XXXX XXXX Cash tag $ XXXX Email XXXX Phone number : XXXX I had a cash out of {$300.00}, I was charged {$5.00} and Deposit amount {$300.00}. XXXX XXXXXXXX is advising cash app reversed the funds and did not deposit to my account. 
Transaction was an instant transfer XX/XX/2023 at XXXXXXXX XXXX 
I have no idea why cash app would reverse funds, but my bank was not able to keep Them and this is not an instant transfer as I paid for. 

They also advised they they can not do anything with a transaction ID as that is you all proof and they cant pull cash app info using their system. They advised you will need to provide a trace number in order for them to see the reason why the transaction was reversed. They also advised since you all did the reverse you should be able to use your own transaction ID to see you reversed it. I feel like Im am doing all the work here and just being pushed off by cash app. I need to know why you are holding my funds and not releasing them to my bank account or showing in my balance. And I also want reimbursement for the instant fee as cash app did not instantly deposit my funds.

Company response to consumer: Closed with explanation