BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I originally purchased and financed my 2021 XXXX XXXX with Hyundai Finance in. XX/XX/2021. I refinanced it with XXXX XXXX XXXX XXXX, was approved on XX/XX/2021, and sent a certified letter with check # XXXX in the amount of {$28000.00} to Hyundai with the full payoff balance at that time to Hyundai. Per XXXX XXXX 's confirmation, Hyundai cashed the check on XX/XX/2021, yet Hyundai has not applied it to my account and are still billing me to which I am paying so I do not get a credit hit on my account. I have called Hyundai Finance 5 times since the check was cashed and they have confirmed they have my check, that it is sitting in suspense, but have not posted it to my account. Note : During my initial contact, they could not locate the check so I was told to write to Hyundai California to file a lost check affidavit, which I did. After this letter, I was promised multiple times that the check was found, and that it would be posted to my account within 7-10 business days. As of last weeks call, a manager representative told me it would be posted no later than yesterday, XX/XX/2021. I spoke to another manager representative in their finance department today and they have told me that there is nothing they can do and they can not speak with their accounting team directly only via email and if they do not respond via email there is nothing they can do. I am on a call on hold waiting for another manager now because no one has been able to assist me and I am being told that there is no one anyone can speak to in accounting to get my funds posted. Each time I call, I have to go through the same conversation where they can't locate my check and then when I give them the check number they locate it. 

This is unacceptable as they are still billing me so I am paying two car payments at this time for the same car. They also have not advised when they will refund me my funds for monies I have been erroneously charged while they were 'locating and posting ' my check.

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 2023-04-03
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$40000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a reduced balance pay off opportunity from Convergent Outsourcing regarding a XXXX account. I wasn't aware of any debt with XXXX and by extension wasn't aware of any debt with convergent outsourcing. I sent a very detailed letter to Convergent on XXXX XXXX requesting validation. I requested several documents to validate the debt one of which included a original contract bearing a signature ( see attached letter for full details ). Convergent was not able to produce an original contract or any contract at all. Instead all that was provided was a bill. Which was not sufficient. 

In addition, Convergent outsourcing has violated my consumer rights under the FDCPA. I was not informed of my right to request validation, I was not informed that unless I dispute the validity of the debt within 30 days it would be assumed to be valid. Particularly Convergent outsourcing violated 15 USC 1692g ( a ) ( 4 ) and 15 USC 1692g ( a ) ( 5 ). This was not provided in there initial communication nor 5 days after initial communication as stated by law ( also attached ). 

Convergent outsourcing provided a document containing the states within which they are licensed to collect ( attached ). The state of Florida is not listed and therefore they are also illegally attempted to collect a debt in a state which they aren't licensed.

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 2023-02-01
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
This is in reference to my CFPB complaint that I filed against Synchrony Bank and it's Collection Agency XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

Please reference case number XXXX. 

Today I received notification that SYNCHRONY Bank placed a NEW balance owed mark on my credit report AFTER they sold my Debt to XXXX XXXX XXXX XXXX. This is in violation of the Fair Credit Reporting Act. Once the Debt is sold, Synchrony can no longer report to the respective Credit Bureaus. I will attach the screen capture from XXXX to this complaint. This is the information in the entry submitted today. 

Lender : SYNCB/CAR CARE PEP BOY Current balance : {$2600.00} Account number : XXXX... 
Credit limit : {$1500.00} Amount over limit : {$1100.00} This reporting by Synchrony is obviously in retaliation to my filing a complaint, ref : XXXX, to the CFPB. While I am not a lawyer, I am fairly certain this is illegal.

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 2023-01-10
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 response to my previous complaint Transunion advised that they have updated dispute account info, but nothing has actually changed. Therefore, please re-investigate and delete ( not update ) the following accounts as the last payments on these accounts were made more than 7 years ago : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX XXXX Equifax I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach 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 2019-11-11
Company: Experian Information Solutions Inc.
State: NJ
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 Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. Experian refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
Experian investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XX/XX/XXXX-XX/XX/XXXX. Please investigate Experian for reporting incorrect activity on my credit report. Please provide all documentation that Experian received from agency which they think is enough to state that account is mine. 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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Fico Score was from XXXX to XXXX penalized by 47 points? Transunion will not EXPLAIN to me why I'm being penalized for being a financially responsible consumer?? 
Please investigate For several months my Fico Score stayed the same at XXXX each month never changing? for several months XXXX & added a 1 POINT to increase XXXX. After my credit score reaches XXXX, my score was decreased by 47 points? 

Please review my uploads & see the 1 POINT increase in my fico score from XXXX to XXXX? There is something FISHY going on with my Fico score & credit score??

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 2023-02-17
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 and XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive had a credit card through XXXX XXXXXXXX XXXX XXXX for over a year. The lender has not reported to Equifax an information for the entire duration. Ive contacted both XXXX and Equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It took quite sometime to get a letter clearing the error from my credit report, that Bank of America submitted. They are still reporting my mortgage 90 days past due and Ive been unsuccessful getting to the bottom of this with the bank. The credit bureaus can only dispute it on my behalf but I am trying to get a mortgage and the past dues that are showing are preventing me from closing on my house. Im running out of time and cant reach anyone in Bank of America who can resolve this! 
This mortgage was paid off on XX/XX/XXXX. How am I 90 days past due in 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi there, I noticed that I was charged an annual fee of {$99.00} on my credit card ending with XXXX on XX/XX/XXXX. I called Barclays on XX/XX/XXXX to either downgrade to a version without annual fee or cancel this card to get the annual fee refunded since I will not travel as much as I did in XXXX. As a result, I will barely use this card moving forward and won't be able to utilize the card 's benefits ( haven't used this card since XX/XX/XXXX ). However, the customer service representative informed me that the annual fee was posted on XX/XX/XXXX, which results in passing the 60-day window of getting the refund, so they could not process the refund. That was quite a surprise to me. 

I then looked closely at my account from Barclays ' website. I found that the page showing the transactions is very misleading ( see attached ). It shows the " Posted transactions '' at the top-left corner with the date of XX/XX/XXXX above it and the date of XX/XX/XXXX appears again below the " XXXX '' at the bottom. 

And the date of " XX/XX/XXXX '' is relatively unnoticeable since it's smaller and lighter compared with the capitalized words " ANNUAL FEE '' right above it. This layout, especially the date " XX/XX/XXXX '' below the " XXXX '' makes it very impelling to believe that the {$99.00} annual fee was charged on XX/XX/XXXX, which leads to the result that I missed the 60-day window of getting the refund. It is very unfair and inadequate. 

I have never encountered a similar issue with other banks or credit card companies since my first credit card in XXXX. In addition, I have been a responsible client that has never been late for any payments.

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: MS
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 USC 1681. 

Account name : # XXXX, 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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. CITIZENS BANK XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX 'S XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX XXXX. XXXX XXXX date : XX/XX/XXXX I did not make these inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: FIRST HORIZON BANK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Team - I have settled my forbearance and approved the deferral payment agreement. As per Cares ACT and deferral agreement, when I resume my loan, it will show current on my credit report. I have been making regular payments for the last two months but still, Iberia Bank is not updating and showing that payment status and reporting current on the XX/XX/XXXX and other credit bureaus which is financially and negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX  XXXX {$3900.00} XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX  XXXX  XXXX {$820.00} XXXX  XXXX {$6000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY 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 explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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:
ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD

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