BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
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:
It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.

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 2017-09-15
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was in the XXXX XXXX and purchased a XXXX XXXX XXXX in XXXX of XXXX. Hyundai financed it at more than {$10000.00} OVER the value of the car. ( All documents attached ). They never should have financed this vehicle. We contacted Hyundai and the dealer within XXXX hrs of purchase, expressing concerns. Hyundai employee stated basically that since I was military I would have to pay the car loan or get in trouble with military. ( see attached notes ) The concern was this loan was WAY MORE than the vehicle and never should have been made. All other banks declined a loan stating we wanted more than value of car and it is not possible. Hyundai approved it immediately. Frustrated I continue to pay the car. I should NOT have signed the finance papers but being young and stupid I did. However, Hyundai should NEVER have agreed to finance this vehicle for so much over. I have been paying on this car for XXXX XXXX years and found out you might be able to help me. I would like to either have Hyundai take the car back and relieve me of this loan ( with no effect on my credit XXXX or clear me of the loan and let me keep the car since I 've been paying it for over XXXX XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that were opened as a result of identity theft and are reporting to my consumer file. There is also incorrect information that does not belong to me being reported, such as names, addresses, phone numbers and employment. My information was compromised and used without my permission. I have brought this to the attention of XXXX, XXXX and Equifax and submitted my ID Theft report along with proof of identity, however they are still reporting accounts and information that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: AFNI INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2020- initial dispute filed requested to investigate items that were never investigated. The company appears to " cherry-pick '' items to dispute. Consumer effectively requests investigation of all items requested in the letter. Failure to update the bureau to reflect item as under investigation and failure to provide proof as to how items are validated. 

XX/XX/2020- Second letter sent via mail to verify same items and bureau continues to ignore disputes sent by not updating credit bureau to reflect item as in dispute by consumer. As required by law. 

XX/XX/2020 prior information deleted and placed back on the bureau with different account numbers for the same 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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I sent a certified post Covid-19 Forbearance Mortgage Modification request package to Bank of America for my home loan . ( See attached for copies ) It contained the following : 1 ) request to provide me with the necessary paperwork to file a partial claim for my FHA backed mortgage.

2 ) request for assistance to complete the loss mitigation application and receive a full loss mitigation evaluation.

3 ) Request for further assistance as well to complete the paperwork and address my previous requests 4 ) Request for BofA to exercise reasonable diligence to complete the application before the end of the forbearance period.

5 ) A complete mortgage modification request form, physical copies of a full and complete financial packet of my income for the entire years of XXXX & XXXX, my tax records for the years of XXXX & XXXX, my bank account history for the year of XXXX, all utility bills for the year of XXXX, as well as all historic communication with Bank of America XXXX XXXX XXXX XXXX, CFPB, HUD, FHA, and XXXX XXXX XXXX for the years of XXXX. 
On Monday, XX/XX/XXXX, I called Bank of America at the number I was instructed to by XXXX XXXX XXXX to validate my mortgage modification packet was received and being processed, and was told I was not allowed to request a post covid 19 forbearance mortgage modification. ( conversation recorded )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance of {$15000.00} with Barclays Bank Delaware. This debt was transferred over to XXXX XXXX XXXX in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in 3 installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to Barclays Bank Delaware. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact Barclays, when I contacted Barclays they gave me the runaround and told me the account was with XXXX XXXX. I had no other choice but to mail Barclays the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with XXXX XXXX, yet they still claimed I had an open balance minus the difference of the 3 payments made.

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap: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 2023-06-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: SC
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:
I sent the information required by the credit bureau to remove inaccurate information on XXXX, 2021 and they have not removed or even responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for two purchases from Amazon that I did not purchase. The first item was a toolkit ( {$32.00} ) on XX/XX/XXXX and the second item is book ( {$270.00} ) on XX/XX/XXXX. The items arrived with no packing information. On XX/XX/XXXX, I informed Amazon of the purchases and they admitted email tied to the transaction was not mine and thus it would not show up in my order history. They ensured me that no further purchases would occur. 

On XX/XX/XXXX, I then called Chase Credit cards and they promptly turned off the card number used in the purchases, issued me a new card and opened an investigation. The charges were removed from my account. 

On XX/XX/XXXX, I received a letter from Chase Bank Card Services informing me that my dispute was denied with the reason being " You received benefit from this transaction. '' On XX/XX/XXXX, I called the number on the letter and the worker on the line repeated what the letter said. I think she sensed my disappointment and promptly contacted Amazon with me on the line. The Amazon worker said they couldn't allow me to return the items as the email used to purchase the items was in " hold '' status. The Chase representative asked the Amazon representative what I should do with the property and the answer was to use or destroy the items. Shortly after, the Amazon person left the conversation and Chase representative said she would reopen a fraud investigation and the charges would not be on my bill. As of the writing of this complaint the charges are still on my account and there has been no written correspondence via Chase 's secure portal. 

I feel that Chase did not investigate the charges with Amazon the first time I reported and have no confidence after the call on XX/XX/XXXX. 

*Note : The book is titled " relations may be referred '' by XXXX XXXX . It is jibberish and incomplete. I did a search for this author and according to reviews from others, it is a scam published via Amazon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received multiple messages about receiving a credit card. I requested to be unsubscribed ( even waiting the requested 10 days ), wrote them a letter requesting to be unsubscribed, yet continue to receive emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I contacted XXXX XXXX to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my XXXX XXXX online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling XXXX XXXX and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report. 

I contacted XXXX XXXX again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

Equifax is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from equifax : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter asking for information that I am entitled to and disputing an account they are reporting. I asked them for a list of things, and what they sent hardly fulfilled the request. As per the FDCPA and FCRA I am entitled to certain information a list of what I requested is as follows : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; ( itemized Bill of Particulars ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( original contract ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent as you can see with the attached information, they only fulfilled a very small portion of what was asked of them! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Reporting company used your report improperly

Complaint:
In accordance to the fair credit report act XXXX  account number : XXXX, XXXX XXXX account number : XXXX XXXX  XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX  account number : deptedXXXX, XXXX XXXX account number : deptedXXXX  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 my account without my written Instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company just reported four accounts on my credit file. I was never given the opportunity to dispute the information as it is false. This is not right at all what they do to consumers. 

Paramount Recovery Systems XXXX {$320.00} XXXX {$780.00} XXXX {$1800.00} XXXX {$560.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
Good Afternoon, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2020-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX  WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX  TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX  XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY 'S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX  HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX  SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation