BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX is in Direct violation of Section 609 of the FCRA as they have been falsely reporting my account as charged off to all 3 credit bureaus since XX/XX/XXXX. XXXX XXXX XXXX is also in violation of FDIC laws regarding charge offs as they charged off the debt at 62 days past due instead of the prescribed 120 days as outlined per the FDIC. 
Furthermore, XXXX XXXX XXXX is in direct violation of FDCPA as they are reporting a balance that is in excess of the actual remaining principal balance. This is in addition to not allowing myself the oppurtunity to make any sort of arrangements to pay on the debt before they hastily and underhandly charged it off. 
Furthermore, XXXX XXXX XXXX has also Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. Each bureau has different information and 2 bureaus show the account open when it has been closed since XX/XX/XXXX when the vehicle was voluntarily repossessed. 
In addition to the aforementioned, This loan was settled in full back on XX/XX/XXXX and due to the negligence of those employed at XXXX XXXX XXXX, It took 8 days before they realized my payoff was for more than what was settled for. I have since been advised that the account won ; t be reported until end of XXXX ( if ever ) as settled. 
XXXX XXXX XXXX has had many class action lawsuits launched against themselves for deceptive loan practices and unfair treatment. 
Also, Everytime I have disputed the accuracy of this tradeline with the 3 major bureaus, XXXX XXXX XXXX perpetually sends fictious information that they purport to be true and accurate information. 
Please note, I am attaching both the settlement agreement and Payment history to show that My side of the contract was honored.

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 2021-09-09
Company: BANCO POPULAR DE PUERTO RICO
State: CA
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:
XXXX XXXX credit card company charged me {$140.00} annual fee on XX/XX/2021. I called to cancel this credit card as I have no travel plans this year due to COVID-19. I was told that I will be still responsible for paying the annual fee regardless of immediate cancellation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09
Company: Pendleton Capital Management
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Caller has called my Wife and given her information about the debt. He did not ask who she was, but he offered the information without verifying who she was. He has been abusive to my wife and she does not want to talk to him again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$1100.00} on XX/XX/XXXX via the ACU mobile app, I subsequently logged out and logged back in to see if there would be a hold placed on the deposit or if any of the funds would be made available. After the deposit, the mobile app displayed the total amount of the check available to me and did not indicate any hold would be placed on the check. The check was drawn on a business account from my employer from XXXX XXXX. Additionally, after reviewing online banking, the full amount of the deposit is reflected in my posted ledger balance as of XX/XX/XXXX. Based on this information, I made a payment on my XXXX  XXXX XXXX credit card in the amount of {$1200.00} via XXXX  which brought my balance down to {$710.00}. On Monday XX/XX/XXXX at approximately XXXX, I logged into my mobile app again to try to determine why I was not able to withdraw money from the ATM only to discover that my account was overdrawn {$440.00}. I looked over the ledger to see what happened and saw that at some point on XX/XX/XXXX, someone from ACU decided to place a 10 day hold on the check that was deposited on the previous day, leaving my account overdrawn and not giving me any notification that this would occur. I then contacted customer service to see what could be done about the hold and was told that since ACU could not verify funds on the XXXX XXXX  check, that if I could get a letter verifying the check or proof that the check cleared that I could request the hold be released, however, XXXX XXXX  will not provide this information to me either since I am not the account owner. I then called back and spoke with several reps at ACU and was told that it is essentially not their problem that I don't have any money and that I should have considered the check unavailable to me until it was processed on Tuesday, even though I did my due diligence as a customer and acted on the information I was provided as a result of using the banks mobile application. As of today XX/XX/XXXX, my account sits overdrawn and I have no money until the 10 day hold expires on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has several hard inquiries on my credit report from XX/XX/XXXX and XX/XX/XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX   XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Troy Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Got a letter from XXXX XXXX XXXX XXXX representing Troy Capital LLC they filed a judgement against me back in XX/XX/XXXX trying to collect old debt that Troy Capital LLC bought from the Original Creditor XXXX XXXX for Pennies to the dollar Troy Capital LLC is a XXXX XXXX XXXX XXXX Debt Buyer and hire crooked lawyers like XXXX XXXX XXXX XXXX to do their dirty work XXXX XXXX like Troy Capital LLC and Crooked lawyers like XXXX XXXX XXXX XXXX need to be held accountable for always breaking the FDCPA Laws they count on the ignorance of Consumers using scare tactics paying for debts no longer owed but written off by Original Creditors it's a shady deceptive business that needs to be looked into and put a stop to it the money they collect don't go toward the debt or the Original Creditors but instead into their own pockets that's how they make their profits I tried to pay the minimum owed in good faith to XXXX XXXX XXXX XXXX but I read alot of bad negative reviews from other consumers sure people gets into messes they shouldn't get into but the people at Troy Capital LLC and XXXX XXXX XXXX XXXX sure as heck ain't perfect and definitely saints themselves for judging consumer remember only God can Judge oh by the way XXXX XXXX XXXX XXXX had the time barred extended to 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 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a deceptive letter and credit-card offer from Capital One. The promotion promises {$200.00} cash back just for signing up and other attractive terms. The letter includes a " reservation number '' and " access code '' to create the ( apparently false ) impression that the card is pre approved. 

I opened their website and then was prompted to disclose to them a lot of personal data -- my social security number, address, phone, income, monthly rent. I then applied and was immediately rejected. My credit score is in the high 700s if not XXXX, I earn well over $ XXXX/year, I have no debts and relatively low monthly expenses. 

All in all, it's pretty clear that this offer was first and foremost a scheme to harvest consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: TN
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 have contact XXXX  numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, XXXX   and Experian still report the accounts. Also XXXX XXXX closed the account on behalf of speedy cause because I sent the proper documents to prove it was an fraudulent account, XXXX  still list this debt as well.

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 2022-03-29
Company: Navient Solutions, LLC.
State: OH
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 Navient student loans that are private but showing up as federal debits on a XXXX system used by the bank to approve an FHA mortgage. Now I can not get a home loan because of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 and 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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: SYNCHRONY FINANCIAL
State: NY
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 do not recognize this inquiry on 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 explanation
Consumer complaint received 2021-02-01
Company: DISCOVER BANK
State: FL
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:
Having problems with Discover Financial Services, LLC Discover is continuing to show late payments on my XXXX and XXXX credit report. I've sent Discover two letters ( the last certified ) but they did not respond back within the statutory period to remove the late payments. As a matter of fact, Discover Financial Services, LLC NEVER responded to either of my letters dating back to XX/XX/XXXX I then filed a complaint with the CFPB and received an email from a " XXXX XXXX '' of the Executive Office of Consumer Advocacy to which I responded TWICE and never received the courtesy of a response from " XXXX XXXX '' in return. The emails are attached On XX/XX/XXXX, I received a notice from CFPB that my complaint was answered, HOWEVER, the response was not on the CFPB website and I NEVER received a letter from Discover Financial Services, LLC as indicated by CFPB Please be advised both XXXX and XXXX are reporting " No Payment History '' or " Highest Balance '' ( or any balance at all ) as the account was satisified prior to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 we submitted a {$1000.00} payment online to Kia Motor Finance to be applied directly to the principal of our car loan. As per the policy of the Kia finance company, we waited several business days to allow the withdrawal to clear the bank and called Kia Motor Finance on XX/XX/2019 to request for the payment to be applied to principal. Kia Motor Finance could not confirm the receipt of the payment. We waited several more business days and called Kia again on XX/XX/2019 and XX/XX/2019, both times without resolution of the issue. On XX/XX/2019, the Kia representative confirmed Kia had received our {$1000.00} payment and he could not understand why it was not reflected in our payment history. He promised to follow-up with the payment processing department to request for them to manually fix the payment. 

On XX/XX/2019 we submitted another payment online of {$3000.00} which was reflected correctly on the Kia website. On XX/XX/2019 I called to request for this {$3000.00} to be applied toward principal and this was performed. I was told this should be completed in 2-3 business days. 

During the XX/XX/2019 phone call I again inquired about the {$1000.00} payment which has still not been reflected on our loan amount. The representative confirmed the same thing as on XX/XX/2019 and said she would send an email to the payment processing center which would take another 3-5 business days to resolve. I pressed her to have this issue resolved today as Kia Motor Finance has been holding {$1000.00} of our money for 23 days without applying it toward our car payment ( which, incidentally, continues to accrue interest on a higher amount since our payment was not applied ). The representative refused to address this issue today, again saying it would take another 3-5 business days despite all of our efforts to already resolve 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 2019-10-31
Company: Navient Solutions, LLC.
State: UT
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:
When I inquired about student loan forgiveness for public service I was told by Navient that I needed to be on a certain type of loan and so I switched over to that kind of loan. I was told that after 10 years of payments ( 120 total ) under this loan I would be eligible to apply for forgiveness. About 5 years in my loan was taken over by the Department of Education and I was told that none of my payments counted toward the 120 because I was not under the correct repayment plan. Navient withheld this information from me and as a result I am going to have to make 5 more years payments which is a ton of money for someone in a low paying public service position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CREDIT ACCEPTANCE CORPORATION
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:
Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.

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 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I owe debt but not to these companies, They scammed me into taking my account number and routing number for payment. They owe me money. 

XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a debt collection letter from Professional Adjustment. I sent them a debt validation letter requesting the company to send me proof showing that I owe this debt. I requested a proof of a signed contract between me and the creditor and the debt collector with my signed signature in ink, they failed to send that, I requested an agreement with XXXX XXXX XXXX between Professional adjustment that grants them authority to collect on this debt, verification that this debt was assigned or sold to collector, information that this company is licensed to collect in the state of Florida, but I did not receive any of the documents. I only received a copy of a bill and that does not validate the debt. In the US law encyclopedia, XXXX XXXX, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they did not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation