BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: LOBEL FINANCIAL CORPORATION
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I co-leased a XXXX XXXX  XXXX at XXXX XXXX, today XXXX XXXX  in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia   Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the XXXX   Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it, and we are still disputing this issue with the credit companies and even hired a third party company to fix it.

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 2018-12-05
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I refinanced my student loans in XXXX of 2018. American Education Services was one of the loans that I refinanced. The 3rd party sent a check and there was an overpayment to AES in the amount of {$390.00}. I have yet to receive those funds from AES, it is almost a year. They stated they sent the original check to the 3rd party in XX/XX/2018 ( unlike all other student loan companies, banks, financial servicers who refunded to me directly ). I called in XXXX, XXXX, XXXX and XXXX. I spoke with many representatives and supervisors. Each time I was assured I would receive a call back, as none of the representatives in the customer service area could answer my questions about the address the funds were sent to, how me and my account were referenced on the check, how they knew what address to send the funds too and if the check was cashed ( which I kept receiving varying information ). AES refuses to send the overpayment to me directly, and will only send to the 3rd party who sent them the original check to payoff and close the loan. I believe this practice is a violation of UDAAP ( unfair, deceptive, abusive, acts or practices ), as the 3rd party has stated they never received anything from AES, I have not received the funds and AES appears to not reconcile their records as they have an outstanding check for almost a year. I also believe this is a UDAAP violation, because during one of my many conversations with AES, I was advised the check to the 3rd party included other customers funds as well. I am not the only one this is occuring to. I am willing to bet there are quite a few people out there who have yet received their overpyament from AES. 
Finally after a CFPB complaint in XX/XX/2018, AES stated they re-sent another check to the 3rd party. Still nothing. I need to know where AES mailed the funds, how they referenced me and my account with the 3rd party and if the check has been cashed. If the check has been cashed ( which again the 3rd party has stated they never received anything ) I need a copy of the cashed check and the information above. If the check has not been cashed, I believe the only recourse for AES is to overnight me the overpayment directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-29
Company: Experian Information Solutions Inc.
State: AZ
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 have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to Experian. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.

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 2017-10-01
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my debit card along with my wallet and ID was stolen and an unauthorized transaction was made on my checkings account with bank of america for {$1300.00}. i initiated a claim on XX/XX/2019, they then got back to me on XX/XX/2019 telling me that they are unable to pay because their records show the activity was authorized correctly ( which it was NOT ) i then reopened my claim and here we are months later with no resolution. i've called numerous times since my claim has been reopened, customer service assuring me everytime i call that my claim has been escalated, but here we are months later with absolutely no help or resolution. i have called them so many times and no matter what i either get lied to about a date on which my issue will be resolved, or they tell me that i just have to wait. it has been months and my money has been stolen. bank of america refuses to help me at all.

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 monetary relief
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Solar Mosaic LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Solar mosaic of XXXX CA opened an account in my name for solar/ home improvements on XX/XX/19 apparently at the request of XXXX XXXX XXXX   of XXXX XXXX CA . 
I never initiated this loan or process. 
It apparently has a balance of {$28000.00}. 
I have never received any funds nor requested them. 
This is identity fraud. I have notified solar mosaic and they are investigating. I have attempted contact with XXXX  XXXX  but have received no response yet. 
I learned about this just 1-2 weeks ago when checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX AXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Automotive XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX OF XXXX Auto Loans XX/XX/XXXX TransUnion XXXX FIN SVC Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX TransUnion XXXX BANK Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX FIN XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Credit Card XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit XXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss

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 2020-02-29
Company: D2 Management LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had made a payment agreement with D2 Management, LLC and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See letters sent of unauthorized inquiries 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 explanation
Consumer complaint received 2020-02-29
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$290.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in fraudulent accounts. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

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 2020-02-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
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 have a collection company on my credit report that has no history with me whatsoever. This company is working for another company that also has no history with me whatsoever. 
I believe the first company sold my information to the second company and now the second company submitted false information to XXXX. 
I plan on suing any and all companies since I have experienced increased interest rates due to the fact that my credit score went from XXXX to XXXX because of this false reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent several requests to XXXX, XXXX  and Equifax regarding duplicate and old information listed in my credit report and have not received any corrections to my credit report. I sent these notices back in XX/XX/XXXX, a second request XX/XX/XXXX and a third one XX/XX/XXXX. It has been several months and I haven't heard anything. I'm not really sure what else I can do so I am submitting this complaint to have the credit agencies remove the duplicate student loans, old collections and late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requested a payoff on the loan on XX/XX/XXXX and received a payoff from XXXX good through XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff quoted on XX/XX/XXXX was {$2400.00} good til XX/XX/XXXX with a daily per diem of {$.00}. 

The payoff was received by XXXX on XX/XX/XXXX in the amount of {$2400.00}. The account was actually over paid by {$1.00}. 

payoff good til XX/XX/XXXX and 6 days of interest since payoff received XX/XX/XXXX... the payoff would have been {$2400.00}. 

They collected {$18.00} in interest when payoff was received and as of XX/XX/XXXX still showed my balance due of {$570.00}? 

The total amount due shows as {$1100.00}, online.

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 2023-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
My credit rating changes everyday and surprise interest payments all the time. XXXX from XXXX XXXX in XXXX XXXX mi works in XXXX XXXX and admitted to running my credit cards up and costing me my job. I don't know how he can do this. Please look into this. Suspected bank fraud as well. XXXX XXXX admitted to it. XXXX XXXX XXXX is my bank in XXXX mi. Please look into this. Also there is someone giving ot my information on the dark web. Not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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