BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and shows a balance of XXXX which is an incorrect balance and the account is actually payed off. It is also listed as collections but is still an open account. This appears on all three credit reports. The last company is listed as Fair Collections and Out ( FCO ), showing a balance of XXXX which is an incorrect balance. It is listed as collections but is still an open account. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. There are also several inquiries on my credit report that should be removed as well. I am requesting that they provide proof that I actually applied for these companies with my legal name listed as, XXXX XXXX XXXX and if they can not provide that proof then all of those should be removed.

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 2023-10-15
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from Hyundai Lease Title company before the lease expired at the end of XXXX ( attached bill of sale ). I paid them {$27000.00} for the total purchase. That amount paid included {$1600.00} which I paid them up front to pay the state of Ohio. When the title was mailed to me, I was never sent a check for the sales tax {$1600.00} to pay the state of Ohio. Kia/Hyundai kept that money for profit, even though it's in the bill of sale listed as sales tax. 

They mailed me a letter ( attached ) which stated to call them if I didn't receive the check addressed to the County Clerk of Courts. I called them 3 times and they said they would process a check, but never have and they don't plan to. I can not transfer the title to myself until I pay the XXXX XXXX title company sales tax money, which Kia is keeping. I'm sure I'm not the only one Kia/Hyundai is taking advantage of by claiming they need sales tax for a sale which in fact is just a fake line item for their own profit. 

Please advise how I can get your help getting this money from Kia/Hyundai so I can transfer the title. 

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 explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
They are not following the laws of consumer report 15 USC 1681b ( a ) ( 2 ) and ( c ) which states in the accordance with the written instructions of the consumer to whom it relates ( meaning they have to have permission from me to put that on my credit report and I didn't give nobody permission to put a student loan on my credit report so I revoke them for putting that student loan on my credit report ) I would like that move immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I received a notification from my credit monitoring services stating that a new collections account had been added to my credit report. I had no previous knowledge of this assumed debt. I was never sent any written notification regarding this assumed debt which is a violation of my rights as a consumer according to the Fair Debt Collections Practices Act. The assumed debt reported to the credit reporting agencies was by a company called Consumer Adjustment which I have never heard of nor have I ever received any written communication. I have no knowledge of the alleged owed debt of {$660.00} stating as owed to XXXXXXXX XXXX Hospital which they have named as the " Original Creditor. '' According to Consumer Adjustment, this alleged debt was supposedly opened on XX/XX/2021. I do not accept and has never accepted any offers to contract with this entity and I demand that any and all negative reporting which they have made to credit reporting agencies be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money was sent from XXXX bank to Amex to make a payment on a Amex credit card using XXXX online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXX $ and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at Amex and they claim that the money was sent back to XXXX on the day it was received. XXXX claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. Amex is claiming that it could be the third party processor of chase that has the money but again XXXX does not have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: UT
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XX/XX/XXXXXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NJ
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 - {$1500.00} ( Credit Card ) XXXX  XXXX - {$810.00} ( Credit Card ) XXXX XXXX {$150.00} XXXX Credit Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Auto Loan ) None of these are my transactions, yet they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.

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 2021-12-29
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:
Cares act letter attached, Late payment was reported in 2020 during the pandemic and it needs to be changed.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: REGIONS 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:
On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before. 
Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time. 
However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX. 
This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund 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
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: DE
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested the covid assistance for my loan. I was advised that I was approved for a 6 month forbearance. on XX/XX/XXXX or XX/XX/XXXX I called to go over my options and I was give 3 choices by the mortgage rep. 1 Modification 2. repayment 3. partial claim to be added toi the back of my loan, I chose Option # 3 Partial claim to be added to the back of the loan. I was told I was approved for the partial claim. I was also asked to verify names for the Notarization of the documents and that I was going to receive the package within 10 days. Yesterday XX/XX/XXXX Freedom Mortgage called my Son and told him that they had send out a modification package and that our new interest rate was 7 1/2. My Son called me and advised I then called the lender back and advised that I never accepted the modification that I was offered the Partial claim and I was told we were approved. The representative was rude and Advised we can sell the home if we can not accept the modification. I demand the Office of the president to review my file and give me an explanation of why we were offered and was told were approved for a partial claim. I have never and will not be able to afford a payment with interest rate of 7 1/2 if I cant even pay my payment now. I demand a call ASAP!! 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 2023-06-08
Company: EQUIFAX, INC.
State: TX
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 did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 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, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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 written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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
Consumer complaint received 2021-08-18
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: Their investigation did not fix an error on your report

Complaint:
When my sister went to purchase her car in late XXXX ( XX/XX/XXXX ), the dealership pulled her credit. However, in the process, Equifax pulled my credit as well, likely because her credit report is intertwined with my own. 
Since I was obviously not the one who agreed to the credit pull, I first called Equifax in XXXX to dispute the two hard-pulls from XXXX ( Equifax dispute # XXXX ). I explained that it is likely that Equifax have me and my sister mixed up in their system. When I asked Equifax to remove the hard pull from my end, Equifax told me the dealership and the XXXX must be the ones that initiate the request electronically. 
So I called the said dealership and told them about the situation and asked them to do what Equifax told me the dealership would need to do. However, when the dealership called Equifax, Equifax told them that the request would need to come from my end as a dispute. 
Upon hearing this, I once again called Equifax to verify, and Equifax repeated what they had told me before, that the dealership and the XXXX need to initiate. I again relayed this information to the dealership, but again, when the dealership inquired Equifax, Equifax told them I need to do it through a dispute process. 
I find Equifax being the dishonest party here since Equifax is telling me and the dealership conflicting information, to my eyes, to avoid taking the responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Is calling several times a day. Caller refuses to disclose who they until i verify my identy. I refuse. Reverse number look up shows it is XXXX XXXX   debt collection. I have received no mailings from XXXX  XXXX about a debt. The demeaner of the person calling is irrate and rude. The calls are an annoying rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in regards to the navy federal case. I spoke to customer service because I missed 2 calls today. I was told by the customer service supervisor this would not be resolved in my favor. They are done reviewing it. I sent so much information that was new plus the fact my mom XXXX XXXX passed away they dont even want a death certificate. Once again no help. This company is horrible I need to know who to take it to next. This is a corrupt credit union. I am trying to prove that. Please publish this case for all to see. I've been fighting for at least 2 years. I am telling the truth in each case. I wont stop until they resolve this. They are keeping it in house to make me pay instead of charging it off. I am not paying for I'd theft and the fact the cosigner died and they dont care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: AZ
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:
accounts that do not belong to me are reported on my credit reports i have sent in numerous complaints to experian and i have heard nothing back and its been over 6 months 1. The following account is not mine Chapter XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief