BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
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 am formally request for the removal of negative items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my lease from Hyundai Motor Finance ( HMF ) for a XXXX XXXX and even though they cashed my check over 35 days ago, they keep giving me the run around about when I'll receive documents so I can transfer the title. Before submitting the lease buyout documents, I called HMF to verify they would send either a notarized title or bill of sale and I was guaranteed the bill of sale would be notarized if the title was not... neither are. 
I've contacted HMF multiple times to request a notarized document stating the purchase price of the vehicle, and every time I'm told it will be 5 business days. HMF confirmed today that they still haven't processed anything and, " we're processing requests from two months ago ''. HMF has intentionally misled me and misrepresented their services in what appears to be an attempt to discourage me from exercising my contractual right to purchase the vehicle. They have lied about sending the notarized documents and it appears they intentionally misled me and then changed their story once they cashed my lease buyout payment on XX/XX/XXXX. 
I've contacted HMF multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be given a different story each time, without progress or an outcome. The XXXX XXXX Clerk and myself have both sent a KY  Certificate of Title form to HMF to sign also and have not received a response.

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 2021-11-26
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am 100 % service connected XXXX veteran and XXXX the department of veteran affairs handles and pays 100 % of all my medical bills, yet this collector continues to place negative things on my credit report three times a week sometimes twice a day on three accounts that was approved by the VA, this is willful and deliberately destroying my credit Please cease and assist your destructive practice when you were shown proff the va authorized these medical bills that you listed as a loan stop its not a loan but medical that should not even be reporteted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I applied for the Chase Marriott Bonvoy Boundless credit card through a link on Marriotts website that redirected to a Chase webpage. This webpage offered a {$250.00} Marriott Bonvoy eGiftCard delivered to your email upon approval for the credit card. I did not receive this gift card after I was approved. I called Chases phone number, XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2023 and spoke to a rep called XXXX ( I asked for a last name and she replied that she is not required to provide that information, nor an Employee ID ) for 33 minutes. She told me that she did not know why but I was not eligible for the gift card offer. I read her the Terms and Conditions of the offer, for which I meet all conditions. Then she told me that because I did not apply for the credit card over the phone, I was not eligible for the offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then she said because I had not applied through a targeted link from a search engine or email, I was not eligible for the promotional offer. This was not mentioned in the Terms and Conditions of the offer, of which I reminded her. Then, when I connected her with the front desk manager of the Marriott at which I had just checked in and was planning to use the gift card, she said that I was not eligible for elite pricing due to rejection by the credit bureau for my credit score. I asked her what credit score is required as that was not mentioned in the Terms and Conditions of the offer and she said that she doesnt know and that I will have to contact XXXX. At the time, my XXXX credit score was XXXX, which they consider Very Good. She then claimed that I would have received a letter in my credit card Welcome Kit informing me of the rejection. I received no such letter and I told her so. She insisted that I did receive one but regardless the only way to possibly receive the gift card was to open a case with Chase but that it was unlikely to be approved. I asked her to do so and she claimed she would but I heard no typing and she gave me no written confirmation. Sara gave conflicting information and refused to connect me to someone who did understand or was willing to find out what happened with my gift card, but the Terms and Conditions were very clear. They did not stipulate phone application requirements, targeted link requirements or credit score requirements. They simply stated that I would receive a {$250.00} Marriott Bonvoy eGiftCard upon approval of the Chase Marriott Bonvoy Boundless credit card, for which I was approved. I am entitled to a {$250.00} Marriott Bonvoy eGiftCard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: MI
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:
Navient has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid I had to use the mortgage forbearance program, for that I was quite thankful. Then when I finally got back to work I started paying the payments and I was informed that the forbearance amount would be set under a non-interest bearing account. When I asked how to make payments on this account to shrink the amount over time I was informed that this was not an option. So, I contacted XXXX XXXX, who holds the forbearance amount. They said that it was 100 % possible and now I am staring down the barrel of an over XXXX dollar balance that they want all at once. During the lock down I burnt through my savings and simply can not pay that, I think that it is wildly unfair that I am not able to pay this down and it appears that the total amount has been not only inflated ( The amount quoted was at XXXX of which I have documentation ) I need help, I have tried talking to the bank and continue to make my monthly payments. But, this is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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:
My problem is with getting errors corrected on my Experian report. I have been denied credit twice within the past two months based on information from Experian. XXXX XXXX denied a credit card application and I was denied financing a smartphone with XXXX, too. Both companies stated an open bankruptcy case listed in my Experian report was the reason for the rejection. My XXXX and XXXX reports are mostly accurate. Though, Experian incorrectly shows that I have an open Chapter XXXX personal bankruptcy case and omits the fact that I've had an auto loan in good standing with XXXX XXXX since XXXX of XXXX. My credit score with Experian is about 90 points lower than the scores from XXXX and XXXX. 

I filed a dispute about the inaccurate personal bankruptcy listing with Experian. In XXXX, I filed a Chapter XXXX bankruptcy case, but we withdrew and the case was dismissed later in XXXX. After encountering numerous errors on the Experian website 's upload feature, I finally uploaded information from the federal bankruptcy court 's PACER system that clearly states the case was dismissed in XXXX. Nevertherless, ONLY Experian continues to show the case is still open. I called Experian on XX/XX/XXXX and spoke to " XXXX '' in consumer service. XXXX placed the blame for the wrong case status on information provided by XXXX. I have requested my consumer file information from XXXX, but have to wait because the report is only available by US Postal Service mail XXXX not electronically. I have been unable to find any way to file a dispute with XXXX. I provided Experian evidence the case is dismissed and closed and I want their error corrected immediately. 

Regarding my omitted auto loan, there is no method for adding or disputing missing accounts on the Experian website. On XX/XX/XXXX, I performed an online chat with an Experian representative who insisted that I had to call Experian to discuss the matter. So, I called on XX/XX/XXXX and discussed the missing information. The representative placed the blame on XXXX XXXX. I know this is not true, because my auto loan account appears on XXXX and Experian reports and is accurately updated every quarter. The same day, I called XXXX XXXX customer service and was advised that my pay history is sent to Experian at the same time it is sent to XXXX and XXXX. I requested XXXX to send my account history to Experian again. The XXXX XXXX account still has not shown up on my Experian report. I want my auto loan and excellent payment history notated in my credit file at Experian immediately.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX of XXXX all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with Covid funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.

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: 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: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

XXXX on XX/XX/XXXX removed credit line with XXXX XXXX  AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 am writing to dispute the inaccurate information on my credit report related to an account with XXXX, account number XXXX. According to the information provided by your agency, the account has been charged off and sent to collections, and also shows as 120 days past due. However, this information is inaccurate. 

As per the Fair Credit Reporting Act, Section 607 ( b ), credit reporting agencies are required to provide accurate and complete information in credit reports. Inaccurate information on my credit report has negatively impacted my ability to obtain credit and loans, as well as other basic necessities. 

Furthermore, 15 U.S. Code 1681s2 requires furnishers of information to provide accurate information to consumer reporting agencies. Reporting a charge off and collection account for an amount that has been claimed as income on my taxes is a violation of this law. 

Therefore, I am requesting that you investigate and correct the inaccurate information on my credit report regarding the XXXX account in question. I also request that you provide me with an updated credit report reflecting the removal of this account within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I was XXXX for five years. I was released XX/XX/2016 from XXXX XXXX CT. I ran my credit and I have no knownlegde of these accounts nor did I give anyone access to any of my personal information while gone. Below is the accounts. XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief