BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-01
Company: LEXISNEXIS
State: SC
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated 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 2024-01-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The consumer and Dealer entered into a financial agreement XX/XX/ finance personnel lied about down-payment on security agreement. Consumer was instructed to defraud KIA FINANCE AMERICA if the bank called inquiring about the down payment amount. The total amount put down was {$400.00} which was paid by card. On the security agreement it reports {$6200.00}. I reported this to the financial institution The supervisor was XXXX XXXX This was reported to the dealer and the finance company. The securities fraud being done at KIA FINANCE AMERICA is also being reported to the Securities Exchange Commission as well the Attorney General, The Department of Highway and motor vehicles and a few other larger entities As a bondholder, am asking for assistance with on how to redeem the bond, so that it will reflect on the acct. Still no answers. As part as the financial agreement, KIA FINANCE AMERICA issues the consumer a bond statement and a coupon note issue These are recognized as negotiable instruments under ucc article 3. 
If such a coupon is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in the Uniform Commercial Code, the debt is either considered satisfied or nullified. By not acknowledging the consumers complaint then KIA FINANCE AMERICA benefits from the consumer debt securities.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, Experian, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name

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 2023-11-18
Company: Global Lending Services LLC
State: IL
Product: Credit reporting 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 multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I checked my credit report and saw this particular debt collection agency reporting negative debt and realized I never received initial correspondence to be able to file a dispute. When I was able to speak with them on the phone they said they did not have to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I believe that this decision is unjust and not reflective of my true creditworthiness. I believe that arbitration will provide a fair and unbiased platform to address my concerns and seek a resolution. I am exercising my right to request arbitration to resolve this matter fairly and impartially.

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 2023-11-17
Company: Genesis FS Card Services, 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:
I have late payments showing on my credit report with Milestone ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
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 ordinance with the Fair Credit Reporting Act, XXXX account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, I recently received a copy of my (, XXXX, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX XXXX XXXX XXXX Names of the accounts : - - TOYOTA MOTOR CREDIT Account numbers : - XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from Toyota Motor Credit, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of XXXX Compliance! 

Provide me with a XXXX Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account with XXXX over a decade ago due to the high-yield savings account. They changed to Capital One a few years back. I believed I was in the high yield savings account collecting the highest interest offere. When I check my account I realized I was only collecting .5 % interest and not the 4.3 they advertised.

All these years I was under the impression I was in the high yield savings account, the only one offered. The Capital one representative informed me that a few years back they introduced a new " high yield '' savings account that was the one that was actually collecting the highest interest rate. I have been saving money for the last 3 years thinking I was collecting the highest they offered. I was never informed that I had to actually open up a new savings account to get their high interest rate. 

This is shady and tricky! How many people who have been with that bank for decades are unaware that the older savings account is no longer the high yield account? I am so disappointed. As a single parent, I thought I Was doing the best thing with my money only to find out my bank did a switch on me and never communicated with me the change. I have lost out on thousands of dollars of interest! 

Check your account if you started with capital one when they were XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Mercury Technologies, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Our business checking account at Mercury Bank ( https : //mercury.com/ ) was sent two wires from XXXX XX/XX/2023 and XX/XX/2023. Mercury failed to inform us that there were issues with their wire transfer infrastructure. The wires totaled $ XXXX. Their customer service has been unresponsive, and it's been 16 days since investigation with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had a checking account with Suntrust used for automatic mortgage payments. I kept a fairly low account balance in the account ( less than {$10000.00} ), and never had a maintenance fee for the checking account. After my Suntrust account was taken over by Truist, my account was converted to a dimension checking account product. A monthly maintenance fee of {$20.00} was charged from XX/XX/XXXX until ( and including ) XX/XX/XXXX. The local branch manager in XXXX XXXX SC was able to provide a {$40.00} service charge refund in XXXX of XXXX. 

I am requesting a refund of the remaining {$160.00}. It is unacceptable to take a Suntrust account that had less than {$10000.00} balance with a history of less than {$3000.00} in monthly qualifying deposits and convert it to a Truist XXXX checking account. 

I am in the process of closing my Truist 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 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit 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 was given a complete statement sheet that showed every debit charged to my account and credit that I paid towards this card. This Excel sheet was provided by Capital One. The Excel sheet shows a difference from what Capital One says my account balance is. I've contacted 3 customer service agents and 3 managers with the company, and none of these people could acknowledge that capital one could make an accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I would like proof that toyota financial services are the real party in interest the federal rules of civil procedure ( ''Fed.R.Evid. '' ) rule 17 ( a ) states that every action shall be prosecuted in the name of the real party in interest. The effect of this passage is that the action must be brought by the person who, according to the governing substantive law, is entitled to enforce the right. One for whose benefit a contract between other parties has been made is a real party in interest and may sue the obligated contracting party......... I am asking for proof of assignee and assignee of the assignment ... ... ... ... .also please provide an affidavit regarding the transfer of promissory note sufficed to permit the claimant to enforce a loan debt against the mKe of the note

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My loan was just transferred to Select Portfolio Servicing by XXXX XXXX. When making an online payment, I am being charged a {$15.00} fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: U.S. BANCORP
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/, my credit card was charged. {$240.00}. Also on XX/XX/, I was charged {$130.00} for my account being over its limit because of the unauthorized charge of {$240.00}. The credit card company who failed to protect my privacy information and having included in a data breach is Elan Finacial Services ( phone # XXXX ). On their website myaccountaccess.com they vow to protect my privacy from data breaches and also to contact customers with 24hrs if a customer is involved in one. Instead, over two weeks later I noticed that my card was used unlawfully with no awareness to my credit card company. I informed them of the data breach. No one from the company has ever contacted me in regard to the data breach who to inform me of what exactly happened. On XX/XX/, I was contacted by the credit card company for late payment for the amount of money that was unauthorized. This has put me in a negative emotional state knowing that I was wronged. Also, I do not trust this credit card company Elan Finacial Services for not being able to protect my privacy. They have also been horrible in reaching out to me to even explained what happened. I no longer want to be associated with this company anymore. Their Privacy act laws and consumer laws that protects me against data breaches. Someone please help! 

my fraud claims # XXXX was created on XX/XX/2023 for Elan Finacial Services

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 2023-11-17
Company: TrueAccord Corp.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
True accord collection agency emailed me on XX/XX/2023 that they were a debt collection agency and were reaching out to me to collect on this debt. I responded to them and let them know this account was not mine. They have yet to reply back to me, this account is still showing on my credit report as delinquent. This account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received this email to one of my email addresses. Since I believe all messages should be read only in the Bank of America website, I considered it as a fraud. The logo of Bank of America and 'lock, ' which has the same image of envelop with key and clip on the top of the print out/scan are disappeared.

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 2023-11-15
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/, I was scammed. I made XXXX payments to XXXX XXXX for {$360.00} and XXXX payment to XXXX XXXX for {$15.00} for tickets for XXXX XXXXXXXX. The tickets never arrived. 

I immediately called Venmo to report the scam reference number XXXX. They made a reference number and said someone will be in touch. Venmo also said to call bank to put a stop on the charges. The next call was to XXXX XXXX. The fraud department put a hold on these charges due to tickets not being transferred. 

On XX/XX/ regards to reference number XXXX XXXXXXXX Venmo thanked me for making them aware of the scam activity. Venmo says, Sounds like the person you were transacting with did not fulfil there end of the transaction. In the email they let me know they are freezing my account because Venmo couldn't recover funds for the payment to XXXX for {$170.00}, XXXX for {$170.00} XXXX XXXX for {$20.00}, XXXX for {$15.00} on XXXX 

Venmo acted on their own behalf and sent the funds to the intended recipient but could not debit the funding source selected which was my bank. This is because Venmo told me to call my bank and put a stop payment on these fraudulent charges. 
My bank XXXX XXXX ending in XXXX had a stop payment on these transactions due to Venmo 's direction and XXXX XXXX XXXX fraud department for never receiving tickets. 

Venmo is now asking me in order to unfreeze my account and not have this debt sent to collections to pay Venmo {$370.00}. 

If you have any questions please feel free to reach out XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Momnt Technologies, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was receiving XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Checks were made out for Momnt account and the check were cashed and XXXX XXXX Closed with completing the treatment. I received a letter from XXXX XXXX stating I can get a refund, But they never forwarded the check to Momnt they cashed them. Now I can't get a refund. XXXX check from XXXX XXXX XXXX XXXX for XXXX a piece. Total XXXX The check were cashed at XXXX Bank by someone name XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX, not on behalf of our individual consumer client who had this debt, because I would like CFPB to be aware of Cavalry 's practice.

A couple of years ago, we helped a consumer vacate a renewal of judgment on an old credit card debt with an alleged charge-off date in XXXX. The judgment is not enforceable, and the debt is too old to report on the consumer 's credit report. 

However, we received a collection letter today, addressed to the client c/o our office, stating that she owes the debt. There is no statement clarifying that it is too old for them to report on her credit, and in fact one of the disclosures on the back implies that they will report on her credit. I have attached a redacted copy of the letter.

Company response to consumer: Closed with explanation