BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: The Sayer Law Group, P.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I requested the debt collector not communicate with me on XX/XX/XXXX and gave instruction on how I was allowed to be communicated with. This debt collector violated my rights under the FDCPA. See attached. I contacted the USPS and they have confirmed that my notice is in a Post Office in XXXX, IA without pickup from the debt collector since XX/XX/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 2023-04-07
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I have leased my XXXX XXXX XXXX through Hyundai Motor Finance since XX/XX/XXXX. The lease term expired in XX/XX/XXXX and I decided to buy out the vehicle. The buyout quote was {$11000.00}. On XX/XX/XXXX, I applied for a loan from my financial institution, XXXX XXXX XXXX XXXX and was provided a bankdraft to send to Hyundai Motor Finance. The payee name was " XXXX XXXX XXXX '' as instructed by the Hyundai website. I sent the bankdraft on XX/XX/XXXX, and it was received and processed by HMF on XXXX XX/XX/XXXX in the amount of {$11000.00}. On XX/XX/XXXX, I received correspondence from my financial institution that the bankdraft was returned unpaid because Hyundai Motor Finance improperly endorsed the instrument. On XX/XX/XXXX, Hyundai marked my account as delinquent after the check was returned. I have tried contacting Hyundai to rectify this on XXXX XXXX, to no avail. No one seems to be able to figure out how to correctly endorse the bankdraft, and now they want me to pay an increased buyout amount. I have been unsuccessful in attempting to finalize the buyout and need help. XXXX XXXX says that Hyundai has to be the one to correct the endorsement on the bankdraft and I have been unsuccessful in accomplishing this.

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 2021-03-12
Company: TransferWise Ltd
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have booked a vacation rental for the last week of XXXX with an agent XXXX XXXX ( of XXXX  XXXX  ). We have contacted the agent through email and by phone. Here are the details provided by the merchant. We were not provided the vacation rental as promised and the agent has stopped responding to us, despite our efforts to reach out to him via email or phone. 

We have followed up with XXXX through a dispute and they have closed the dispute when Transferwise refused to honor the dispute. 
We have made a credit card ( XXXX ) transaction through Transferwise who transfered the funds to XXXX XXXX Property Managing Director : XXXX XXXX Listing Company : XXXX XXXX XXXX Property Owner : XXXX XXXX Property ID : XXXX XXXX at the second floor Property Location : XXXX XXXX, XXXX XXXX, Florida, United States of America

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried relentlessly to resolve this matter with Wells Fargo. However Wells Fargo is refusing to report the account as settled and as of XX/XX/XXXX reporting the incorrect balance of {$5500.00} when the actual balance is {$1500.00}. This has caused irreparable harm to my XXXX XXXX and is being done out of retaliation. My credit score in XXXX of XXXX declined XXXX points which caused me to be denied a business loan. I have reached out to XXXX XXXX on numerous occasions with not one response. I need help from CFPB asap. My restaurant was forced to closed due to the covid 19 pandemic in 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 2022-02-14
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
Experian, XXXX XXXX refuse to correct info on my report even though it is paid in full. I have email confirmation

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 2021-09-22
Company: GOLDMAN SACHS BANK USA
State: MI
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:
On XX/XX/2021, I went into the XXXX XXXX  in XXXX XXXX, Mi to purchase an XXXX with a consumers credit transaction. Apple ran my credit through GOLDMAN SACH BANK USA without my knowledge to get an apple credit card and I was not approved. 

Under 18 USC 1028 ( a ) - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, authentication features and information ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or I was not approved based on information that APPLE took from someone else and obtained from someone else other than myself. I, as a consumer am the only who who can extend credit. Apple is in violation of 18 USC 1028 ( a ) ( 7 ).

Under 15 USC 1602 ( p ) - DEFINITIONS AND RULES OF CONSTRUCTION ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Apple is also in violation of 15 USC 1602 ( p ), unauthorized use!

Under 15 USC 1681 ( b ) ( 2 ) - Permissible Purposes of Consumer reports ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Apple did not have permissible purposes. I did not give Apple any written consent. No consent is identity theft. Please send me a copy of the written consent that I, myself gave you.

Apple is in violation of 15 USC 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Model Finance Company
State: CA
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:
I filed my XXXX paperwork back in XXXX of XXXX. XXXX has failed to update my counts or expected payment amount and we are running close to the end of the deferment period. I'm trying to plan financially, but I am unable to because of the lack of information from XXXX. Calls to XXXX have been fruitless as I have been repeatedly lied to. I have spent countless hours on the phone trying to get this resolved only to be told that my account will be updated by " the end of this month. '' Or in " 90 business days. It is 8 months running now that I have been told this and the 90 business days have long passed, but my XXXX counts are still not available. XXXX has recently started telling me that they're waiting on confirmation from XXXX XXXX XXXX, so I called them. They were adamant that XXXX is responsible for this, and not them. Another lie. 

Having the company that is currently embroiled in a lawsuit with the federal government to block the debt relief in charge of administrating the XXXX program is a clear conflict of interest and their inaction proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Adjuster allegedly that I owe on my credit report and have not attempted to reach out to me. When asking for validation proof, original contract, Proof Identification, estimated of contract, interest rate disclosure. And full transparency accuracy along with proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-05-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company is called Petland ( XXXX XXXX XXXX XXXX XXXX They contacted my estranged parents who I do not talk with and left a voicemail talking about our debt. They contacted them on XX/XX/2023 they did not have my estranged parents before this time period. They admitted to us that they use an automated system that contacts anyone who hasrelationship with us and contacted them without our permission. When we called the company XX/XX/2023 to gather information how that has happened and they dont have proof on file that we gave that number and that they do not have our permission as well. We have proof of the voicemail that I received in my old email from my estranged dad with a picture of the encounter. 

Attached will be the screenshot of the voicemail my estranged father received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: AMERICAN EXPRESS COMPANY
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:
I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
Aidvantage submitted my request XX/XX/22 for the refund of payments I made to my Consolidation loan during the XXXX XXXX XXXX XXXX, totaling {$930.00}. Aidvantage quoted the processing times for refunds to be approximately XXXX weeks. To date, I still have not received my refund. Aidvantage customer service has been lying about the progress of my refund every time I call. They are not practicing business faithfully & have not processed my refund in a timely manner. It has been over XXXX weeks, since the time frame that Aidvantage quoted that I should receive my refund. The time frame was quoted in their response to my last complaint on via the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
XX/XX/XXXX received call from a ace collection person who failed to identify himself and refused to send legitimate documents to my post office box for this loan that he said i owes since XXXX. He went on to say that he will be contacting my employers and relatives and shared the details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2021-08-31
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I open my XXXX  XXXX card bank in XXXX they are saying i open in XXXX under the fdcap it is more then 7 years old the account and needs to be removed they have never sent me any proof that the account is from XXXX they have force up date the system to be that date when i contact the debt collector it even plays a message telling me this account is 7 years old and can no longer be collected on i would like it removed from my credit report or i will file a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2023 I went in XXXX XXXX XXXX to get a dining set for my home. However, I did spot the dining set I was interested in the set was for {$730.00} and I was looking forward to finance the set. Unfortunately I was able to finance the set I was denied on the spot. I was just to inquiring about financing it and it did a hard it on my credit report. The financing was through Wells Fargo Bank for the furniture.

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 2021-08-31
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: Personal information incorrect

Complaint:
I have attached a notarized Affidavit of Fact and letter pertaining to the incorrect and/or inaccurate information being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 VSC 1681 XXXX Account # XXXX has violated my rights 15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation