BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My son gets his SSI money loaded on to a XXXX XXXX XXXX card monthly. Everything had been going smoothly for about 2 years. In XXXX he went to make a purchase and found he had insufficient funds. He had charges on his card that he did not make. XXXX XXXX, XXXX, there was a charge for {$49.00} and {$1.00}, then on XXXX XXXX {$0.00} all from the same company that we have never heard of. We tried to contact XXXX XXXX XXXX repeatedly and the message kept saying they were experiencing heavy call volume. When we finally got through they said we had reached their customer service desk and that they would transfer us to someone to file a claim but we kept getting hung up on. My son is XXXX and he ca n't always say what he needs to due to XXXX and XXXX XXXX XXXX. I attend to all of his business but when I was trying to talk to XXXX XXXX they threatened to hang up the call if I spoke again. So I had to watch my son XXXX XXXX XXXX with them and the matter still did n't get resolved. I contacted Social Security about the manner and they said they could do nothing about. I requested his check be sent in the mail but they said I had to go into the branch but before I could get in I took ill. So on XXXX XXXX, XXXX, his card was struck again for {$670.00} and {$20.00} again from an unknown company based in XXXX. We had to leave our groceries at the grocery store and run to the nearest Social Security Administration and we sat from over 3 hours only to be told there was nothing they could do and that it was the same as if I got robbed after being paid by someone else. They did their part and it was between him and XXXX XXXX who we can barely get through to and after we get through to them it says call back at a later time once we are transferred to the complaint department. We ca n't pay our bills ... what should we do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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:
Back in XX/XX/2021, we refinanced our XXXX XXXX car loan with XXXX  XXXX XXXX. On XX/XX/2021, Kia Finance received a check from XXXX  XXXX XXXX. XXXX overpaid Kia {$850.00} over the payoff balance. Also Kia took over a month to credit that check to our loan. For that reason, we made an additional payment for {$450.00} to Kia Finance so no late payment would show up in our credit report. After months and many requests to Kia to refund both the {$850.00} and the {$450.00} to us, we have been told by their customer service department that both refunds are on hold since XXXX, 2021 and that all they can to is to send an email to the payment department to initiate the process. We have been told the same thing over six times. I called today XX/XX/2021 and was told that there's no record of anyone initiating that process. We are in the third month of paying XXXX XXXX XXXX for the refinance loan including the overpayment they sent to Kia. Kia customer service does not have a direct way to communicate with their payment dept and I'm affraid that after a few months they will have no record of my account and both overpayments.

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 2021-09-08
Company: Coastal Credit, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21 XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) offered terms for a HELOC which verbally included all closing costs. I applied. XXXX XXXX, the underwriter, later informed me that certain promises were not true. XXXX lied and said NC does not charge transfer taxes and a follow on conversation with XXXX XXXX continued this lie. NC most certainly has transfer taxes.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-10
Company: Synergetic Communication Inc
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked this debt collection to cease contacting me. They have been unable to show the debt is mine and it is way past the statute of limitations. Yet, they still contact me after being asked to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Mountain Run Solutions, LLC
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:
XXXX XXXX was paid in full and equipment returned. Its impacting my credit and they wont remove it because the account was fraudulently sold to a credit collector that continues to damage my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX Balance {$13000.00} Opened On XX/XX/XXXX XXXX XXXX, XXXX. 
Balance {$250.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$38000.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$23000.00} Opened On XX/XX/XXXX XXXX ACCOUNT XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX   XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY  PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : CONTRACTOR/SELF EMPLOYED YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT

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 2021-09-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I turned XXXX this year I went to open a student credit card for college when they told me my credit had debt I owed knowing Ive never had anything in my name my whole life. After finding this out I created a XXXX account to dispute this claim towards me even though it wasn't mine. Continuing my dispute they claimed it wasnt negative even though the debt I owed clearly isnt mine. It was supposably in XXXX  and in XXXX I was XXXX years old. I just want this off of my credit because when I turn XXXX Im supposed to have no credit not negative for a payment that never belonged 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 2021-09-08
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
Chrysler Capitol ( Santander XXXX ) reported late payments on two different bureaus ( XXXX ) for XX/XX/, & ( XXXX ) for XXXX of XXXX. All payments were paid BEFORE the due date of the XXXX of each month, which was falsely and incorrectly recorded by Chrysler Capitol ( Santander XXXX  ) I was billed two different invoices for XXXX in which my on time payment not recorded on one invoice and was given a bogus late assessment fee out of no where. Invoice for XXXX shows a on time payment for XX/XX/ but was reported as late on XXXX. I have proof of payments on time for both months in which I have attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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: Account information incorrect

Complaint:
XXXX XXXX XXXX account was open by someone who lived at a address at XXXX XXXX XXXX XXXX, FL I never lived at this address this address was not mine

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 2020-05-08
Company: E. Margriet Langenberg, P.C.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( XXXX. XXXX XXXX, XXXX VA XXXX ) sent me a payoff statement as well as a transaction report of assessments, late fees, and payments made for individuals who are not me. I alerted Langenberg and asked why this was being sent to me and if any of my personal information had been released to any uninterested third parties. 

Their only response was to send me the statement and transaction report under my name with my information. They did not address if my personal information had been released to anyone else. 

On XX/XX/2020, XXXX Langenberg of the Langenberg Law Office ( see above for address ) sent an email telling me a payment arrangement with my HOA had been declined because I had not made any good faith payments ( a complete falsehood given the Langenberg firm had received a payment and such payment had been cashed weeks earlier ). And again they sent me the personal information of an unintersted and unrelated third party. 

I believe their actions are a violation of Section 805 of the Fair Debt Collection Practices Act. 

They have still not responded to my request as to whether my personal information has been released through their negligence to a third party, so I can only assume it has. 

I am asking for damages in the amount of {$500.00} per occurrence for a total of {$1000.00} given their negligence, sloppiness, the fact they won't answer my simple questions, and that consumer privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I need credit report update XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Hello my name is XXXX XXXX, I am reaching out because there is some accounts related to a bankruptcy? Showing on my credit report, I have never been involved in any bankruptcy, and this is due to me being a victim of identity theft. I have reached out to the three major bureaus informing them of this fraud on XX/XX/21 and they all claimed that this information was verified, but couldn't produce anything other than saying it was verified on their end. I have submitted the necessary FTC report and Identification that was requested from me in regards to getting these fraudulent items off of my credit report. I was involved in the XXXX data breach and also informed them of that and they said that means nothing.

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 2021-09-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have informed Equifax, XXXX and XXXX that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XX/XX/XXXX. Specifically, when the Court asked if there are any reasons why the excess proceeds should not be paid out to XXXX, they remained silent and refused to relate XXXX XXXX XXXX XXXX XXXXXXXX and XXXX along with Bank of America, N. A. lied and represented, in writing, the XX/XX/XXXXXXXX Trust Deed had been paid off in XX/XX/XXXX. This intentional misrepresentation was made, in part, so that the borrower wold not be entitled to the excess proceeds after the foreclosure sale at auction of XX/XX/XXXX. Additionally, XXXX also misrepresented the total amount owned on the bank 's XXXX Trust Deed and intentionally left out the {$89000.00} principal reduction on an MHA HAMP amendment that becomes due at the time of default. The reason, in part, for the intentional misrepresentation of the debt owed was to lower the amount for sale at auction. Folks buy the debt associated with the Trust Deed to turn a profit. On XX/XX/XXXX, to debt sold at auction for {$320000.00}. The bona fide purchasers then sold the property - without holding title - on XX/XX/XXXX for {$420000.00} making approximately {$10000.00} in profit. If the {$89000.00} had been added to the {$300000.00} ( the amount reported owed by XXXX ) the total amount owed would have been {$390000.00}. Add in the improvement and legal costs, the profits would have been around {$15000.00} rather than {$100000.00} and most likely would not have sold at auction leaving me in my home as the bank, XXXX XXXX XXXX, XXXX XXXX and XXXX would not and, in fact, did not, proceed with a judicial foreclosure. Which is the most nonsensical thing ever ( other than tapioca pudding ) because a judicial foreclosure would have barred a California Homeowners Bill of Rights claim and litigation. 

Desired resolution would be to receive a full explanation addressing and detailing the due diligence surrounding the actions taken during the foreclosure processes including, but not limited to, pre and post foreclosure activities as Trustee and Trustee 's Attorney.

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 2020-12-17
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted XXXX XXXX XXXX XXXX XXXX XXXX. I no longer owe XXXX. They have received their equipment but still wanting to get {$970.00} from me. I am not responsible for this debt and it's stopping me from getting approved for my home. I have disputed with XXXX, XXXX, and Experian and there has been no response to verify that I owe them.

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 2017-12-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I finance a new 2017 Nissan XXXX through Nissan motor acceptance company and was sold gap insurance at the time. Upon the totaling of this car, Nissan approved me for a new loan for another car and the dealership told me that Nissan Motor Acceptance was approving my new loan only because I provided the proof that my insurance was totaling the first car. I financed a second XXXX and my insurance paid the claim. However, this transpired in XXXX and I have yet to have this other loan removed and am receiving derogatory impacts upon my credit report. You and NissanUSA try pushing the responsibility upon dealerships and gap companies and I have also contacted my Senator in regards to failures from this department to help me.

I know have confirmed that Nissan Motor Acceptance is at the center of all of these delays and is destroying their own paying customer 's credit with apathy. They have failed to provide me, the customer with any documents on file with this company proving the pay off of a refunded warranty package, which was required by XXXX XXXX XXXX ( Gap Company ) Nissan responded to many inquiries by myself by saying they sent the documents to me and the gap insurance company ; however, as of today, the gap insurance company confirmed they have never received any correspondence since the claim was initiated. This refusal to help the customer has come to great harm to my credit, my ability to find safe housing in XXXX California where I am attending University and caused me great emotional and financial harm. I was never provided with the documents as a customer that I required regarding the Gap insurance sold to me by Nissan and refused any acknowledgment of my pains or their responsibility in any of this. They have lied to me about what I was buying twice and treated me poorly from the beginning of our business dealings. I will also be sitting Down with my XXXX XXXX XXXX XXXX in hopes of getting help filing suit against this unfeeling company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: PA
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 hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

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