BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Early Warning Services, LLC
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:
Dear Sir, This investigation resolved some of my issues. Early warning did delete some of the derogatory items on my previous consumer reported as per their previous attached letter. The pending Items with XXXX are not resolved. They deleted two of the the four erroneous accounts ending in accounts # XXXX and # XXXX of XXXX. They didn't delete the other two accounts with XXXX are duplicates. # XXXX and # XXXX. The same information is being reported. They just kept two accounts open with same account numbers with XXXX. These other two derogatory accounts with XXXX that remain have the same last four digits of the account numbers of the two XXXX accounts that were removed. If you look at the last four digits and the account information the accounts is the same. Early Warning never addressed why XXXX XXXX XXXX made an inquiry to my account? They just removed it without addressing which branch authorized the inquiry. Early Warning was trying to tell me it was identity theft. If that was the case there would of been a branch associated with the inquiry along with a routing number and account number. There was none. They just removed the inquiry without a true explanation. I'm not letting this go. Early warning is co-owned by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. I originally stated that one of these banks above has been trying to black ball me in the banking industry. I will get to the bottom of this. I have been Harmed by Interference with XXXX XXXX for over seven years. I'm not going to rest until I get these last two derogatory items deleted from my Consumer report. I have contacted XXXX and they no longer have record of these accounts in their system. Who did Early Warning contact at XXXX to verify these two accounts? How many years does negative account information remain on your Consumer report by FCRA?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In the process of refinancing my XXXX XXXX XXXX I made the payment due XXXX XXXX on the due date the loan refinance by XXXX XXXX was paid loan in full XXXX XXXX according to the amount they were given and the XXXX statement which shows the payoff amount. I am due a refund of that XXXX payment for XXXX. I have made several calls to Hyundai Motor Finance Customer service regarding the refund overpayment made of {$390.00}, I have Never received a phone call text email or letter from hyundai Motor finance nor any communication regarding my request all calls and mail were initated by me with no response a copy of my certified mail receipt via postal mail are included in my documents, I got no response to that certified letter I sent to their corporate office. My bank statement shows the payment taken from my account. Hyundai Motor sent an email acknowleging the monthly payment made XXXX XXXX for {$390.00} as well as the full payoff of {$19000.00} XXXX XXXX Below is the Call log of phone calls I made to Hyundai Motor Finance each time I was told they would look into it I never got a call email letter or any response. 

XXXX XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXXcalled also sent certified letter to corporate office requesting refund XX/XX/XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXX with Supervisor XXXX told me escalating my case to payment processing center XXXX XXXX called XX/XX/XXXX, XXXX with XXXX XXXX said excalating XXXX XXXX for refund to payment processing center XX/XX/XXXX, XXXXSpoke with XXXX customer service I asked for supervisor or manager transferred me to XXXX she told me my case was closed no refund was due my payment of {$390.00} was part of the payoff amount for my loan she gave me the case # XXXX. I am a XXXX yr old senior on a fixed income I feel humiliated ignored and abused disrespected as a customer I never missed a payment never late with my account with Hyundai Motor Finance would never do business with them again or advise anyone I know to do so, I know I am just one person they are a large corporation but they should not be allowed to treat people the way I have been treated. I just want what is owed to me. They just wanted me to sit down shut up and go away!!!

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 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/XXXX I received information that a " missed payment '' was reported to the bureaus for the month of XXXX. 

The payment was made on XXXX. In XX/XX/XXXX I was charged a late fee for XXXX payment. 

This is correct. Each payment after has been on the XXXX, or XXXX of the month. XXXX was made early. 

The reporting is inaccurate. The balance " DUE NOW '' has been the same since XX/XX/XXXX, with no missed payment reports to the bureaus. 

XXXX was not missed but paid earlier.

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 2023-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
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: Account status incorrect

Complaint:
So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX per month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX points in one fell swoop? From XXXX to XXXX? 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.

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 2023-04-10
Company: Aargon Agency, 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 information incorrect

Complaint:
Your company is attempting to collect a debt without a contract. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Rule/Law- Pursuant to 15 USC 1692f ; prohibits the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Applicability - Your company is attempting to collect a debt in the amount of {$120.00}, There is no contractual agreement between me and your company therefore your company is in violation of 15 USC 1692 ( f ) ( 1 ). Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

Due to your company 's actions, I was discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. 
I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : XXXX. Deletion from all consumer reports XXXX. Clear away any alleged balance owed XXXX. Pay as per the attached invoice ; {$8000.00}.

You shall be granted twenty ( 20 ) days to respond. 
Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter.

Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 
Thank you for your attention to this matter,

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 2022-01-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is unable to verify the debt I supposedly owe them. I have sent over two letters asking them to verify the debt and they were unable to do so. They were unresponsive to my original demands and did not send over documents proving that this debt is mine. A credit card statement is not verifiable because it can be compromised. I specifically asked for the original documents, my signature, and proof that this company is licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BANK OF THE WEST
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months. 

I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same. 

I also met the promotion terms from XX/XX/XXXXto XX/XX/2019. 
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus. 

I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.

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 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Bank of America ( BOA ) inaccurately recorded a late payment on my credit history. The inaccuracy BOA recorded was for XX/XX/2018 and has negatively impacted my score. This is report is incorrect. I spoke to several representatives in attempts to close my account and received incorrect information. I was initially told that my payment was received and processed and there would be no issues with moving forward to closing my account. Which I learned was not closed until XXXX due to their delay. Then I learned that BOA inaccurately reported a late payment to my credit history. My payments on the now closed account were not late. The account balance was fully paid off with no late payments. I have tried reaching out to BOA, XXXX, and XXXX companies and disputes were filed.

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 2022-01-23
Company: EQUIFAX, INC.
State: MD
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:
On ( XX/XX/2021 ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the equifax data breach a while back so my information could be in the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I applied for the most recent credit card offer advertised by the credit union of which I have been a member for years. I have other credit cards from this credit union that I have always paid timely as agreed. I usually pay off the balance of charges I have made on the credit cards so as to avoid interest charges. 

Since I joined the credit union years ago, my debt to income ratio has improved to it now being the best it has been. Also, my after-tax income is the highest it has been since I joined the credit union . 

Despite all of the reasons that a member would reasonably expect to have been approved for the most recent credit card offer the credit union advertised to its members, my application was denied on XX/XX/2021. The reason the credit union stated for having denied my application is because that I presently have maximum open-end credit.

I wrote the credit union asking for the underwriting department to reconsider. I submitted a counteroffer requesting the credit union reduce my line of credit by {$5000.00}, or in the alternative reduce the maximum credit limit on one of the other credit cards I have from this credit union by {$5000.00} and then send me the new credit card per its most recent offer with a credit limit of {$5000.00}. 

The credit union has not responded to my request for reconsideration and my counteroffer.

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 2023-04-10
Company: Block, Inc.
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX has certified and verified that no such transaction is found in there system for my card! 

This is a criminal lawsuit I can not wait any longer bc I have proof my card was not charged and it is illegal to hold someones money when I have provided proof from merchant whom has no transactions for my card. I am going to blast cash app all over every website possible with bad reviews and to the ceo of this company if I do not get my money today in the amount of {$68.00} you have held with cash app for no reason AT ALL, AFTER I verified with merchant and sent proof of this they have no transactions what so ever for my account or card! 

Please credit my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees after I made a withdrawal. The problem is that they first limited me to only XXXX, and immediately after allowed me to take out XXXX, and then XXXX. They forced me to take it out in 3 separate transaction and had the audacity to charge me XXXX dollars for each transaction. Then they charged me again XXXX dollars for a withdrawal I made on the XXXX even though I made a deposit that same night. Today I found anew charge of XXXX I had no idea what it was for so I called them and they said that it was for the XXXX because 3 payments were processed that day. So within the span of two days TD Bank charged me XXXX, XXXX, and XXXX again just in overdraft fees for a total of XXXX dollars. It's outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cash app account was fraudulently accessed and I was locked out and XXXX dollars was stolen from me due to no fault of my own. The only possible way that this could of happened to me is because I am one of the users who's data was compromised by block inc who owns cash app. Because the company did not secure their users information properly my account was able to be accessed and money taken out of my account and there was nothing I could do about it until I got in touch with cash app support. I will explain. On XX/XX/XXXX  I get an email from cash app saying my account was accessed from a different or new device at XXXX near XXXX XXXX I live in XXXX Texas so that right there should something. Then also on XX/XX/XXXX  at XXXX my email address was unlinked from cash app locking me out of my account entirely. I contacted cash app support as soon as I realized what happened and it took days for cash app support to finally respond back to me. I had over XXXX dollars in account before I was locked out of the account and then my email address was unlinked from the account on XXXX. It took days and days for me to finally get a response back from cash appp because I had to create a whole new account just to get someone from cash app support to finally help me. I told cash app support what happened to me and I was able to finally regain access back into the account on XX/XX/. Not even 6 minutes later somehow my email address was able to be once again unlinked from my account and I was locked out of the account for the 2nd time. Please keep in mind this is the same cash app account that cash app support had just granted me access back into just 6 minutes earlier. When I was locked out of the account for the 2nd time I had XXXX dollars in the account still. When I was finally able to get a hold of cash app again about this matter i explained to them what happened but no one would listen or even attempt to try and help me .now I am told that there is about XXXX bucks in the account and that I need to calm down. How can the XXXX grand I had in the account yesterday XX/XX/XXXX  just disappear even though I have proof that my account was accessed fraudulently without my permission? How can it just be lost forever? How is that okay? Had cash app not had the data breech I would not even be in this horrible situation in the first place. 2nd had cash app done there job whenever they were able to give me access back into the account and taken off the other emails or phone numbers etc. I wouldn't be writing this email either. Some how 6 minutes later my email address was unlinked and I was kicked back out. Now fast forward to today cash app is telling me I only had XXXX dollars on the account left. When the day before that 9 hours previous to be exact I had XXXX american dollars. What happened to all of my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home mortgage with CitiBank on XX/XX/2022. My loan number was XXXX. During the mortgage process Citibank excessively checked my credit causing a huge score drop across all 3 credit bureaus. I authorized 1 pull, but there were as many as 4 pulls to one bureau. This mortgage process was an actual nightmare until I signed on the dotted line and now after. I have suffered a large score drop and a credit file that no longer resembles my actual credit worthiness. They showed no regard for my overall credit profile and my possible need to obtain credit in the future. 

These are the unauthorized credit pull dates across the 3 bureaus : XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022

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 2023-04-11
Company: CCF Intermediate Holdings LLC
State: MS
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:
Bad inquiries on my credit, late payments Credit none payments on credit

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