BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Account # XXXX The Truth in Lending Act is a XXXX XXXX intended to ensure that consumers receive accurate information when they enter into credit transaction. A GAP waiver is an optional contractual obligation offered during the finance of an auto in which the seller agrees to waive any amounts still owed on an auto loan in the event of a total loss. GAP ( debt cancellation agreement ) was purchased at the time, I entered into contract with Kia Motor Finance. At the dealership, I was informed that I will benefit if I get GAP. My car was deemed as a total loss and Kia Motor Finance was aware of that. While waiting for GAP to make the final payment, I continued to make online payment to Kia. GAP insurance is supposed to cover the difference between the amount I owe, and what my insurance pays. Kia Motor Finance violated the Truth In Lending Act, by not honoring the GAP agreement and charging my account off which dropped my credit score from XXXX to XXXX. I purchased GAP under the impression from Kia that no money would come out of my pocket in case of a tragedy, and that wasn't the case. I end up paying the loan off with my own money and GAP sent me a reimbursement check, yet my credit is still messed up.

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 2016-11-05
Company: RoundPoint Mortgage Servicing LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.

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 2022-07-17
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX account # XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: KEYCORP
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called AES and was informed my private student loan is eligible for a live event forbearance but I needed to call Key Bank directly. I called Key Bank directly, and they said that is not true, there is no such thing. 
I was told the only option is a temporary suspension of payment. I ask for temporary suspension based on a medical bill and they declined and said I had no other options. They told me to get a second job. They told me I have budgeting problems. They asked me if my family could help me. They asked me how long I will have medical problems, what is it, XXXX? They told me they needed more details about my medical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Federated Capital Corporation
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Was made aware of a Writ of Garnishment on all financial accounts with my SS # tied to, that are legally exempt from garnishment by a law firm called XXXX XXXX. After contacting them, it 's in regards to a judgement that was issued by falsified documents, improper service, and no evidence that I was even the account owner. I was never made aware of a judgment and they have done everything they could to hide documents so I would n't know all the details. I was able to get into the courts records of the case against me and was able to find these improper documents they used as " evidence '' against me without my knowledge. The account that they used in an attempt to extort money from me illegally, was a charge off by XXXX bank back XX/XX/XXXX. According to this, the first delinquency would have to have been nearly a year prior to that. Even with that date, this account would have been considered " time-barred '' and a legal suit against me could not happen. Hence why they tried to circumvent Texas law, where I have lived my whole life. I have all the court documents pertaining to this issue now. I received notice XX/XX/XXXX a hearing XX/XX/XXXX to object to the garnishment and I 'm having difficulty getting a court clerk to call me back to set up a telephone conference seeing that I do n't live in Utah and do n't have the ability to appear in person. I 'm actively trying to find a way to have this judgement set aside now, but my funds are limited and the time constraints in my response are short before my protected funds are handed over to these crooks permanently. They only took about {$1000.00} all together, but over {$800.00} of it was from my XXXX daughters account. Because of Texas law, I had to be listed on her account because she is a minor. I 've taken steps to protect her from future issues that may arise, but she deserves to get her hard earned money back. We just do n't have the money available to us for legal counsel. I 've also done research on Federated Capital Corp and there is a website that specifically addresses my exact issue and this is a common practice with them. Also, the attorney 's in question, keep changing who they are affiliated with. One day its XXXX XXXX, the next it 's Federated, and then yesterday I find out that their email addresses are XXXX XXXX. How is this legal and who are they really? According to Texas XXXX XXXX, this would n't be acceptable and is highly suspicious and unlawful. I 'm just hoping that someone will come in and speak up for all of their victims and do something about this. I 've currently filed a identity theft report with my local law enforcement agency, # XXXX ( has n't been made available to attach yet XXXX, and I 've filed a complaint the the Texas Attorney General office as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

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 2019-04-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Due to Identity Theft, those account does not belong to me. Please block and remove the disputed items.

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 2015-12-28
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # 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

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 2018-11-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2023-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

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 reportsno consent is fraud. 

XXXX XXXX XXXX Date XXXX Balance : {$26000.00}

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 2021-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal permanently locked my account and is withholding a total of {$100.00} in my current account on their platform, and they are also holding {$49.00} which was processing for a total of {$150.00} that has been taken from me. I feel that I was wrongfully banned from the platform, and after carefully reading the PayPal license agreement I feel that I followed all guidelines. I contacted PayPal via telephone and was told by a representative that my money was on hold and that I would not have any access to it. The date that I received the decision from the company to banish me from their services was XX/XX/2021. I would like for my money to be released to my bank account with XXXX and for my account to be reinstated as soon as possible. My email with paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
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 have called the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. 

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You ha

ve knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2023, I made a purchase with XXXX after enrolling for an Amex Offer that would provide {$150.00} back as a statement credit. To earn this credit, the offer required spending {$750.00} or more, which I did. My transaction was {$1100.00}. 
Other requirements of the offer required purchasing online from XXXX and paying the transaction in US Dollars. All of this I did after reading the terms multiple times. I have used thousands of Amex Offers and understand how to use them. I have never contested an Amex Offer, because I receive credit regularly due to knowing how to follow the terms & conditions. 
On XX/XX/XXXX, I initiated a chat with Amex through the website to inquire about the missing {$150.00} credit. I explained multiple times to the chat rep that I paid in US Dollars after choosing USA/Dollars as the website settings on XXXX ( which is based in XXXX, and I don't speak XXXX so of course I know I used these settings ). Despite choosing English/US Dollars on the website, Amex reports that XXXX billed in XXXX Yen. Thus, Amex says I didn't follow the terms of the offer and they won't provide the {$150.00} credit. I have a case ID XXXX and escalation ID XXXX. 
No reasonable consumer would expect to see a price listed in US Dollars on a website, follow an offer that says to pay in US Dollars, and then be told that you were billed in another currency, therefore not qualifying for a {$150.00} statement credit. This is deceptive. No consumer should fairly be expected to know that they're on the hook for choosing to pay in a certain currency and then being billed in a different one. It's deceptive and unfair for American Express to refuse to honor this, and it's insulting that they offered a maximum of XXXX points to my account ( worth {$30.00} as a statement credit -- {$120.00} less than the missing credit ) when I did everything a reasonable consumer could possibly do to follow the terms of their offer. 
I expect American Express to provide the credit since I followed the terms of the offer and have not been able to get XXXX to re-bill me in dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX 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 explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX  XXXX XXXX Balance : {$3800.00}

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 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
CAPITAL ONE XXXX Balance Owed : {$570.00} This account was involved in litigation and do not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: AR
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 called the 3 Credit Bureaus after I purchase a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :

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 2021-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Experian to notify them of identity theft. They did not investigate. They sent me a letter basically stating that I have to contact the creditors before I can contact them. 
Second time I sent a certified letter notifying them of identity theft and to block the information from appearing on my credit until investigation is complete. I submitted a police report and all other documents showing proof that I am an XXXX data breach victim and there were numerous complaints of fraud on my personal banking accounts which led to insufficient funds to pay for my bills. Experian sent me a second lettter stating to submit a police report etc all which has already been submitted. I called experian and they basically hung up on me before anything could resolve. I called them again and someone hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On the XXXX XXXX XXXX XXXX i called about Marcus by Goldman Sachs and requested my account should be closed, and my remaining balance of $ XXXX be sent to me, but till this very day and after more than 7 calls from me to them on different days. They keep on telling me the same thing every time, that the account is under review and i should call back in 3 days which i always did and they keep telling me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company has been calling my mother numerous times for the past year threatening her when she is not responsible or tied to this debt. Amount is incorrect. Company has been calling me after I told them to stop and has been calling late at night outside of normal business hours.

Company response to consumer: Closed with explanation