BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : 1. Deletion from all consumer reports 2. Clear away any alleged balance owed 3. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony. 
If there is no response to this letter within five ( 5 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Bank Used : PNC I received an insurance check for a claim I had on my house in XXXX. I attempted to deposit it once and I did not know my mortgage company was supposed to sign it as well. That was 100 % my fault. Once I received my check back in the mail from PNC I could no longer get my mortgage to sign off on it. In that little time in-between my mortgage was sold off to another bank to service. I requested the insurance company reissue my check with my name and the new mortgage company name on it so I could deposit it. I received my new check in the mail and took it directly to my new bank that held my mortgage. It took them about a week and they got clearance to sign off on it. They marked it with all the appropriate signatures and wording as instructed by their superiors. I took it to a teller at XXXX branch in XXXX XXXX and they said it looked good and it was deposited into my account. Less than a week later I pulled up my account and all my accounts showed {$0.00} and they were frozen. I called the XXXX XXXX XXXX in XXXX XXXX and I was working with XXXX. She moved it along the process to figure out why my accounts were frozen. She was working with loss prevention and was told my account was flagged for fraud. I've been with this bank for XXXX plus years at this point in my life. XXXX said loss prevention asked if my new mortgage company ( XXXX ) could write a letter stating the insurance check wouldn't be returned and the teller who signed it had permission. The banker at XXXX Im working with was kind enough to 3 way call XXXX and I to get this sorted out. XXXX at XXXX asked XXXX what bank was the insurance check from. XXXX checked and it was XXXX XXXX. XXXX asked how can we guarantee a check not be returns when it isn't our check. We just signed it. Then she asked if the teller who signed it had permission and she said yes they Are under our permit. Not sure what that means. XXXX forwarded that information to loss prevention and they haven't done anything with it. This is going on a week and a half. I've already had 1 bill be returned and charged {$20.00} return fee. My payroll check was supposed to be deposited today and I can't get to the funds even if I wanted to. My house payment is scheduled to come out of the PNC account and I have to call them and tell them to stop it. I'm fine with waiting on the insurance check, but why did they have to lock my main account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was mailed a bill for a property tax assessment from the year XXXX in error. I was also notified of a separate bill via email for a different amount, also in error. The first bill is for {$300.00} due on XX/XX/XXXX. The second bill ( which I only received notice of via email ) was for {$270.00} due on XX/XX/XXXX. I bought out this lease in XXXX of XXXX. All outstanding taxes and fees were paid in full at that time. 

I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX, and they have no record of these bills and assured me that they have been sent to me in error. They said if I had a tax assessment in my name, it would have come straight from XXXX XXXX and I would have an account number in order to look this information up. She also mentioned that they get these calls all the time and they have no account in my name with outstanding taxes due. 

When I called and spoke to a representative from Hyundai, they were also unable to give me any information regarding where these charges came from, how they were calculated, what my XXXX XXXX tax account number is, or why I have XXXX separate bills from XXXX years ago. When I log onto my XXXX account, there are no documents, statements, or any other information on where these charges came from either. They told me to *mail* a letter to XXXX in California requesting an abatement so they can do some research on the issue, and then wait XXXX business days before following up. There is not a direct phone number nor an email for me to reach out to and expedite the issue. The representative said she would email the department for me. 

I am not inclined to pay these bills and I would like them removed from my account as soon as possible. I no longer have an active lease account with Hyundai Motor Finance and should not be receiving any bills from this institution. Ive had issues with unexplained property tax assessments from XXXX in the past and the abatement process went nowhere. I ended up paying them taxes in a state I no longer lived in and hadnt lived in for over a year. I do not want these charges on my account to be sent to collections and affect my credit, nor do I want to give XXXX any more of my money.

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 2022-11-19
Company: Experian Information Solutions 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:
After apply for a loan, I noticed my credit score was extremely low. Once I checked my report i found out that my identity was stolen and I do not understand how they stole my information. Please Help. I have a fraud XXXX  Account I have a Fraud XXXX  XXXX Account I have several inquires on my report that i did not authorize.

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 2023-10-01
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am unable to have access to IDR options to submit a request to be put on this type of repayment plan. I have spoken with members of the Department of Education as well as trying to get ahold of EdFinancial and have been unable to resolve the issue. I have also contacted XXXX and the counselors there as well as the tech team have been unable to help me. I can not afford ~ $ 2k monthly, and I need to get on an IDR plan. I am trying to do the right thing, and its frustrating to hit this road block without support.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am paying over XXXX for less than XXXX vehicle and the money I've already paid is more than half of the original price but doesn't show on the website. Through credit acceptance

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 2020-01-08
Company: STATE FARM BANK, FSB
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
did not receive statement from Statefarm credit card for over 6 months and had trouble on and off with their website for over 2 years ( login in ). I XXXX the balance on the card. Had a recurring payment I did not know about. As a result of getting no statements electronically via email or postal mail I was unaware of the {$50.00} balance. Henceforth I was 3 months late and only found out when I received a letter in the mail closing my account for delinquency. These late months were reported to all credit agencies and negatively affected my credit score impeding me from taking loans, doing credit card transfers and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2020-01-08
Company: ONEMAIN FINANCE CORPORATION
State: IL
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 have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}

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 2022-11-19
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-19
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I sent a instant transfer from my PayPal account to my linked XXXX account in the amount of {$670.00}. The transaction cost me {$11.00} to process, making the total to a XXXX Account {$660.00}. Unfortunately the funds was sent to the wrong account ending in # XXXX, The correct account is # XXXX. I immediately contacted PayPal and spoke to the resolution department and was giving a case number and was told to wait 10 days that turn into 15 days of no responses. I contacted PayPal once more and was told the case has been resolved and completed without no correspondence of the results brought to my attention. So I was informed by PayPal to contact my bank ( XXXX XXXX to fix the problem because PayPal stated the deposit was made to my account. I personally went to XXXX and informed them of the situation and they ask for my account and the account the funds went to. I provided this information, the manager of the bank found the exact funds in that # XXXX bank account. ( {$660.00} ). We both got on the phone with the escalations department at PayPal and she specifically explained that the funds is in the wrong account. She continued to advocate for me explaining that this is something they need to fix because according to my reply 's PayPal stated they reached out to XXXX about the issue but the manager said that is false because in her system it shows no indication of such request for funds to be removed and transferred to the correct account. We was giving a new case number on speaker phone in the bank by the escalation team at PayPal and was informed that they will send the bank a new request to rectify the problems within 10 more days. I reached back out to the manager in person at the bank and we once again got back on the phone with PayPal and was giving the totally different response. ( I Quote bank manager ) where is the request you was sending to transfer funds to the correct account? This is when PayPal escalation department stated something different for the second time. myself and the bank manager was left confused to what obviously was fabricated information the previous and current person said. Paypal Never intended to follow through with sending a simple notification to XXXX bank to request that the funds be placed in the correct account. 
I was giving a complete run around trying to retrieve my funds with no help or assistance, just pure lies from PayPal. 

I also made a complaint with the XXXX XXXX XXXX  and of course PayPal refuse to Reply to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Each time I attempt to log into my account with EdFinancial, all I get is the following error : " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I have attempted to call EdFinancial, but the lines are busy and the current hold time is 800+ minutes, which is ridiculous. I opt in for a call back from customer service, but I never receive call backs. 

I have also attempted to email EdFinancial, to no avail, as I have never received an email back from them on how to fix the issue.

Their online chat with a representative is also disabled and unusable. 

There is literally no way for me to get in contact with them to get this issue fixed, as all avenues are broken or too bogged down to ever receive a proper response. 

I have loans with this service, as my Student Aid account also confirms. I am unable to log into my account which prevents me from paying these loans. All the while, I am sure any interest or penalties or fines will be accruing until the situation is rectified, in which case, I will refuse to pay said accruing penalties as this is not a problem on my end ( I do want to make my payments, but can't ), but most definitely on EdFinancial 's end and I have received no help from them so far.

I have also submitted a complaint to the Student Aid website as well as this situation is completely unacceptable and seems to be widespread if the hold time and online discourse is seen.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
N accordance with Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXX, has violated my right 15 U.S.C 1681 scetion 602 A. States I have the right to privacy. 15 U.S.C 1681 scetion 604 A. Scetion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions it is illegal to have negative on credit report can cost between one and {$1000.00} per in fraction

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 2022-11-19
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a derogatory mark on my credit report for {$220.00} on XX/XX/2022. It claims the account was opened 4 months ago which I never have opened any accounts in general around that time. It says my highest balance was {$400.00} which makes XXXX sense to me as I only have one credit card and two loans, and they do not include any information of exact dates when the account was opened, dates of any payment history or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient and the XXXX XXXX XXXX is a rip off. They are misleading people with incorrect information and as a result I lost out on years of qualifying public service loan forgiveness payments and thousands of dollars. I started working for a public service government agency in XXXX. Since the beginning we have sent certified letters to nvaient/ XXXX XXXX proving I am still and employee. Since XXXX, I have paid towards the program. In between XXXX, I TOOK OUT XXXX PARENTS PLUS LOANS.. At the direction of navient/ XXXX customer service representative , told me I Had to consolidate to stay in the program and that I would lost out on any payments previously made. LIES, LIES, LIES. In XXXX of XXXX, the consolidation went through and I was told by at lease 6 representatives from the department of education and navient that I had to start the program over, that there was nothing they could do. Now, when I should be coming to an end of my 10 years, I have to start all over because I listened to them. I truly believe there are some fraudulent motives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In accordance with the Fair Crediting Act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604 a. Section 2 it also states that consumer reporting agency can not furnish an account with my written instructions. Under 15 U.S.C. 1666B states a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.

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