BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
On XX/XX/2020, I filed a complaint against Kia Motor Finance ( KMF ) also doing business as a part of Hyundai Capital America. Please refer to CFPB complaint XXXX. As a resolve to that complaint, I requested the following : " I need KMF to correct the error to my account to show {$0.00} balance, correct any erroneous information reported to the credit bureau ( s ), and send me documentation designating this account has been paid in full along with the title to the vehicle. '' KMF did NOT correct the erroneous information reported to the credit bureau ( s )  which caused my credit score to drop 93 points from XXXX to XXXX. I have filed a dispute with XXXX. However, the onus should be placed on KMF to correct the messes they have created. I should NOT be required to file disputes with all those to whom they have reported erroneous information, especially since I have no idea to whom that may be. I just happened to have the XXXX  account and received notice of the error. 

Please help, again. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The first delinquent date changed to year of XXXX after I made a payment in that year. I made a payment because it was showing an open balance. 

The first delinquent date was XXXX. This is in violation of my rights and the Fair Reporting Act. This account is past the seven year reporting limitations. 

I have called their customer service several times f for several years, since XXXX. I have disputed the information with the credit agencies and they keep coming back stating the same, but not really investigating it for me. 

Because the date of first delinquency changed my credit score went down XXXX points. This stopped me from getting a home loan for the family. Everything lender needed was accepted but then the score changed.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with 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 2019-10-24
Company: F.H. Cann & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My student loan is in default. My monthly social security check payment has been garnished ( 15 % of net income ), and income tax refunds for the last several years as well. Prior to being eligible for Social Security, my wages were garnished through my employer. For some unknown reason, F.H. Cann and Associates ( collection agency for XXXX ) began calling me at work through the school office ( I'm a part-time teacher ), and to date they have also phoned 3 co-workers at my school via their cell phones.

I have written and mailed a letter to both F.H. Cann and Assoc., and XXXX asking them cease and desist from calling my place of employment and co-workers, yet they continue to harass me. 

They have my current address and phone number, yet have not attempted to phone me or send me written correspondence. I have tried to reach them via telephone, yet when I call the telephone just rings and rings, and finally disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least XXXX phone numbers but they use a new one every time they call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 dowloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didnt belong to 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 2021-09-01
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Item was removed from my XXXX after your company failed to remove from my credit file. 
How cam the debt be owed to 2 different companies. 
XXXX  had the debt list as XXXX XXXX XXXX and XXXX  has it listed as National Credit Systems So how can both companies send me a verified response when its two different companies. 

The debt was removed from XXXX  but still remain on XXXX. 

Please remove from my account due to failing to provide proof. 

Original complaint : XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: RentDebt Automated Collections, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RENTDEBT AUTOMATED COL FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. RENTDEBT has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine. 
Additionally, verifying this account through XXXX  violates my rights for a 100 % diligent and reasonable INVESTIGATION under the FCRA. If you verified this account through XXXX I request immediate deletion from all 3 major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
I am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.

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 2019-10-24
Company: EQUIFAX, 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:
My late wife and I had paid off a car loan from XX/XX/XXXX and paid satisfactorily in XX/XX/XXXX. I asked Equifax to remove this from my credit report and they still has not done this in 9 years. 
They ( Equifax ) appear to block me from correcting this matter.. 

Thank tou

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Stellantis Financial Services US Corp.
State: AZ
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2023-05-13
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove the following items : 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 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 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 2017-09-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CMRE Financial Services, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not  appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Trojan Professional Services, Inc.
State: NJ
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:
Please see email I sent to them just now. As you can see, they have refused to provide the information. 

To Whom It May Concern : I am writing this letter in response to my numerous email requests and the call we just had today. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I had requested that you provide me with a validation of the debt that you talked of earlier. I am entitled under law ( 15 USC 1692g Sec. 809 ( b ) ) to have your claim disputed and validation was demanded several times. On the call, I was advised that you do not have the underlying debt and I needed to call someone else for that. The law requires that you maintain those documents and provide it to me. 


I had requested that your office provide me with complete documentation ( see below ) to verify that I owe the said debt and have any legal obligation to pay you. 


Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Your offices only response to the matter was to ask me to call to discuss. I had advised that I do not want to call and simply was enforcing my right to validate the debt. As your office has failed to provide validation of the debt within 30 days, all instances related to this account must be immediately leted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 


Your non-compliance with my request is also construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Please note that pursuant to my emails below, I am concurrently forwarding this to the CFPB, the NJ General Attorney 's Office and the FTC for non-compliance. 


Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Risecredit, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called the company and reminded them that I paid off my RISE loan on XX/XX/2023, for {$1400.00} but it was still showing as having this amount due in my credit report. They said it would be updated but it was not. I disputed this with the credit bureauXXXX and RISE said that the my account had not been paid which is totally untrue. The money was deducted from my account on XX/XX/XXXX. RISE is still showing my account as owing {$1400.00} when it has been paid in full. XXXX has not updated the account.

Company response to consumer: Closed with explanation