BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern, On XX/XX/XXXX my 2021 XXXX XXXX was totaled by another driver. The Settlement value was precisely {$23000.00}. The Value evaluation from XXXX is included in an attachment. {$19000.00}. XXXX sent a check for Hyundai on XX/XX/XXXX. The check was received on XX/XX/XXXX and processed and cleared on XX/XX/XXXX ( see attached ). Hyundai owes me precisely {$3500.00}. 

However, ever since the account has been overpaid, Hyundai has refused to close my account and have allowed late charges to occur. Since XX/XX/XXXX, I have reach out to Hyundai every single week. I have never got a clear answer, I have been put on hold only to be hung up on. Many times, I have been told a financier needs to close the account, but they seem to always be on lunch or done for the day. I have been told multiple times they would call be back, that has still to this day XX/XX/XXXX ( XXXX months later ) has never happened. 

XXXX has also tried to help me. I was told by a rep from Hyundai that they needed to talk to XXXX before they can close the account. XXXX tried, see the report on the interaction between XXXX and Hyundai attached. Progressive has told me they have been told by Hyundai that they will call them back and never did, they have put them on hold and eventually hung up on them. XXXX has given me all the documentation I would need, and I have sent them to Hyundai with no response. 

To say I am frustrated is an understatement. Frankly Hyundai should be ashamed of how they do business. What I want is my account to be closed like it should have been in XXXX, I want the fees that were added after wiped off, and I want the {$3500.00} owed to me. This has gone on long enough.

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 2023-10-20
Company: EQUIFAX, INC.
State: TN
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:
I have reached out to XXXX, XXXX, and Equifax via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX XXXX XXXX ) that are not authorized to collect debts in the state of Tennessee. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of Tennessee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this greivance as I've exhausted all forms of communcation with XXXX regarding a sum billed for equipment that was turned in. I used to have cable and internet with XXXX XXXX XXXX XXXX XXXX I eventually stopped using the service and returned all requested equipment to a return store they have at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The company states they never received it and I have a collection of {$320.00} for none return of the equipment. I can't say why it was not updated accordingly on their side as I am not employed by XXXX to understand or have knowledge of how they process their updates. I do know that the equipment was in fact turned in and any sums owed were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, 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 Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX  Account name : XXXX XXXX XXXX Account No. 
XXXX Original Creditor XXXX XXXXXXXX XXXX Account name : XXXX XXXX Account Number XXXX Account name : XXXX Account number : XXXX, my rights. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, the company know as National credit systems received a copy of an FTC report filed that included the company XXXX XXXX for XXXX the XX/XX/XXXX whom is their client. The information was not deleted ands when I spoke with the debt collector, I was told that they would not be deleting the debt and they had received the FTC report. In XX/XX/XXXX, I filed a second FTC report for this same account. I have also sent a letter to the debt collector stating that they would be sued. I have yet to receive any letter stating that the debt has been deleted. I am not sure of the amount that is being collected on. The debt collector has certified that they have received both reports and still nothing. This company is on the track of being sued by myself for distress and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Aargon Agency, Inc.
State: NH
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:
In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent XXXX a letter to either validate the alleged debt or remove to it. XXXX did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the 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 2022-04-26
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NE
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over the course of the last year I have filed multiple disputes against Transunion for putting inaccurate information on my credit report. The information in question is my employer. They continue to list XXXX as my employer after I have repeated disputed and told to remove. After all this I have been a loyal customer of Transunion credit monitoring services for over 10 plus years. During the last year Transunion has continued to bill me {$14.00} every month for the services but locked me out of my account after I continued disputing the inaccurate information. I have attached a copy of my bank account which show Transunion billing {$14.00} every month. Also attached is a copy of the web page to Transunion login showing I'm logged in and the error page that displays. Notice my at top of page I'm logged in and it gives system error. This only started around XXXX of last year when I disputed the same inaccurate information on my account. I have been a member for over 10 years this never occurred only started after I started filing a dispute about inaccurate information on credit report. I had my friend log on to there account with no problem but every time I try to view my account this page pops up. Only started after I start disputing information last XXXX. In ten plus years before never a problem. Transunion owes me an apology for there tactics, {$160.00} for services not rendered from XXXX of XXXX of XXXX  for not allowing me into my account to view or dispute. They also show be fined.

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 2023-10-06
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I shave attempted to make payments on the loan but due to other bills the payments were returned. I spoke to a representative via chat and on the phone today and told them I sent a full payment via my bill pay on XXXX Wednesday and they should get it by Friday the representative stated ok she will note the account and hold it as it XXXX not post until Monday. That was todays conversation. I also told her I would send a partial payment on tomorrow as well. Not to long after I received an email from a GM rep named XXXX XXXX who is a collections supervisor ( attaching the email and I responded but as like the others the email states the email is not valid and they will not respond. I just need a week or XXXX to catch up on the loan and bring it due for XXXX Theyalways ok we will hold it but then send me threatening emails that I can not respond to XXXX with XXXX representative this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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:
The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX XXXXXXXX states that I have the right to privacy. XXXX XXXX XXXX Section XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) Section states ; No consumer reporting agency may make any consumer report containing any of the following items of information, ay other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX. XXXX XXXX XXXX ( a ) ( XXXX ). 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 accurate.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter requesting that credit bureau must reinvestigate the disputed account from my credit report as well as update the account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXX XXXX XXXX Balance : {$1000.00}

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 2022-10-12
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We did a covid relief package during the months of covid with Planet Home Lending. They sent us papers but never contacted us at the end of the term. We were then sent invoices saying we were in foreclosure because we owed {$23000.00} in back payments during that period. Never given a chance to do a repayment and it was added to the end of the loan..just immediately got served foreclosure court papers. I assumed a VA loan had more leway. Now we called and did all the paperwork and forms to do a loan modification but the amount was ridiculously high for our 3 monthly payments and we weren't even asked what we could afford or given any options to add the covid amounts to the end of our loan and continue to pay the mortgage. We want to stay in our hoke and restart paying our original loan amount. Planet Home Lending isn't a honest company and has many complaints on the XXXX  site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have had a PayPal account for around XXXX  years. My last known balance was approx {$300.00}. In the last XXXX  days I have discovered that I am unable to access my account. The site says it locked my account because I have had too many unsuccessful login attempts, but its been XXXX days. When I try to use the forgot password option it tells me sorry something went wrong on our end. It is not possible to contact PayPal customer service without logging into the account, which I am not able to do. I do not know what recourse, apart from filing this complaint, I can take to regain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NC
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 called the 3 credit Bureaus after I purchased a credit report in XXXX After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation