BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: LA
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 this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on credit card account under a open and consumer plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
Filed a complaint two weeks ago due to not receiving my title when vehicle was paid in Full XX/XX/XXXX. Received a notice dated XX/XX/XXXX with no instructions advising here is the documented I requested, with a disclosure statement. I requested my pink slip and they still failed to provide. Kia has not provided instructions on what I need to do with the statement. I assume I have to mail it. But instructions are not clear. This is not acceptable. I am demanding my pink slip and all penalties that are due.

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 2022-10-31
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021

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 2022-07-20
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 occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 2018-12-05
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
the loan company repossessed the vehicle told me the payment that was being made that it was supposed to bring my account current. I am now being told that it did not that it was still 37 days past due for 2 full payments past due.

They refuse to actually call me they put notes in claiming they have called me and then they never do. Not 1 representative has the same story about the past due amount I have one representative claim what I paid was paying the repossession fee only the next claims there was an error made in the payment that they didn't process it right.

On my account it shows that after they took the payment from me that I authorized they attempted to put a payment through that I didn't authorize them to attempt on my account.

At this time their claiming that I am 37 days past due and that the loan modification expired that they were supposed to have approved moving 2 payments to the end of my loan. Their claiming that the 37 days past due is a total of 2 payments which is impossible if it was 2 payments worth it would be 60 + days past due not 37 days past due.

I have read numerous complaints from other people who have had similar experiences with them. When they had the car repossessed they couldn't provide me with paperwork when they filled out the initial loan paperwork they screwed it up putting myself as the co-signer and my co-signer as the main signer on the loan when asked to fix it they said they can't do it because they would have to refinance it and they don't refinance loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America, N.A., was given authorization by me to increase my monthly mortgage payment from {$1400.00} to {$1500.00} as an adjustment needed to be made meet the escrow obligations. Bank of America, withdrew the money for which I gave authorization but they reported 2 late payments.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-09-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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 booked a flight with american express membership rewards and used points for payment. 

I was initially charged on XX/XX/2019 in the amount of {$1800.00} and then credited the same amount on the same day XX/XX/2019 when they deducted the points from my account ( which is normal ). 

I was then notified on XX/XX/2019 that american express cancelled my account. I did not receive any reason for the cancellation other then " we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' I tried to find out more information about this and was told I would receive a letter in the mail but I never did receive any such letter. 

On XX/XX/2019 ( after my account was already cancelled for a week ) I was charged in the amount of {$1800.00}. I contacted american express and was told that since the points I earned was done so " against their terms '' ( which I still don't know how ) they clawed back the points and charged me again. Note that when they cancelled my account they allowed me until end of day to transfer out all my remaining points to a frequent flyer account under my name. 

I disputed the charge on the basis that I already paid with points and this is a double charge. American express membership rewards contacted me and told me that they refunded the points to my account so therefore I was not charged twice. I tried explaining to them that A. I never authorized the refund and B. my account was already closed by american express so I don't have any access to the points that are " refunded ''. When i called american express I was told since the points were earned " against their terms '' ( again, still waiting on how ) they just took it backed and charged me. ( even if that were true then why did they allow me to transfer out my remaining points to a frequent flyer account of mine? ). 

I have been going back and forth with american express now for almost 6 months and they keep just transferring me from one department to another and saying its the " other '' department I have to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: LA
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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had the Chase XXXX XXXX card. The day before my {$450.00} annual fee was going to be charged, I downgraded to the Chase XXXX XXXX card, which only has a {$95.00} annual fee. That said, Chase charged me the {$450.00} annual fee AND the {$95.00} annual fee anyway. I have called multiple times to have the {$450.00} annual fee refunded and they keep telling me to wait and that it would come off. On my last call, the lady said it would likely come off for my XXXX XXXX statement but the {$450.00} fee is STILL on my account and they are STILL charging me interest on the balance. I was given a small adjustment for the interest but it does not cover everything. I am at my wits end and want the {$450.00} refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 bank has informed me that there is negative information reported by XXXX  XXXX XXXX RTN/ACCT # : XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse. Please validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with Account Abuse. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 

The item above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As per the USC Codes, specifically Section 1785.16 ( a ) ( 2 ) ( B ), it is the responsibility of the reporting agency to ensure that the information reported is accurate, and to reinvestigate any disputed information. Furthermore, under Section 1785.25 ( a ), any person who willfully and knowingly violates any provision of the FCRA may be liable for damages. 

I am confident that the investigation will reveal that the negative information reported by XXXX XXXX XXXX is inaccurate, and therefore should be removed from my ChexSystems report. I am requesting that you take the necessary steps to ensure that this information is removed as soon as possible.

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 2022-07-20
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:
On XX/XX/2022 i sent TransUnion a complaint letter certified mail, which i was notified when they received it. It has been almost 30 days and the items still remain on my report and I have not received a response from TransUnion. TransUnion is in violation pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft within 4 business day upon receiving all necessary documents which i have attached to this complaint along with the complaint that was mailed to TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: NC
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX 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 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 2018-11-22
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  - XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Personal information incorrect

Complaint:
Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. 
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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