BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
We have a prominent national vehicle financing co. ( Hyundai Finance ), who calls us repeatedly over and over and over and over again, multiple times per day, and when we answer the phone nobody speaks or talks. They also call from phone numbers which often have no way to call them back on that same number. 

When we answer, and if they do finally speak to us, they just keep asking for our name over and over again without telling us what the reason for the call or identifying themselves. When we finally get someone on the phone, they threaten to repose our vehicle, although we are only 1-2 months behind a payment. 

We find this level of harassment and threats unnecessary, very rude and mean spirited. Do these companies not have any responsibility or consequences for this type of belligerence to their customers? 

Consumers, XXXX and 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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 co-signed a lease for my family member. They were unable to make payments so we turned the car back in to the dealership. However once the vehicle was sold by the dealership they never mitigated the amount they said she owed and it is showing on my credit as a repossession. Due to the fact that legally they did not follow the correct procedure nor have they verified the amount owed it should be removed immediately. I have already spoke to an attorney who feels like I have a case against them however I can not afford the legal fees at this time but I will go that route if necessary to have it removed from my credit report. Oh and they are still reporting it as an active charge off when they did not charge it off they resold the vehicle.

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 2020-08-20
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: PA
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:
HI, Please should more consider on my complaint against bad company EQUIFAX i had submitted many times of this regarding Unauthorized Hard Inquiry and XXXX has responded me Company responded XXXX XXXX XXXX Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We are sending the customer a letter advising that we previously notified the credit reporting agencies to change the inquiries to non display, and it may take up to 45 days for the update to reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
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:
Around XX/XX/XXXX, I disputed late payments on my credit bureau report with TransUnion Consumer Relations for an XXXX XXXX XXXX account # XXXX that appears on my credit report. They have reported the account 30 days late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. The account is paid by automatic payment each month and I receive notice on the XXXX of each month of the upcoming payment and details of the remaining number of payments. On the XXXX of each month, I receive notice of payment processed. I submitted the copies along with XXXX 's XXXX bank statement showing that the payment had been made. TransUnion did not update my report to reflect that the payments were received and basically just sent me a copy of my credit report. Their cursory " investigation '' was done. They simply ignore any back up documentation that was sent. I want the late payments deleted from my account as the payments were made and each month XXXX received the automatic payment and sent an email stating receipt of payment was made. The report should reflect {$390.00} as the payment amount received and late pays should be deleted.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.

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 2020-08-25
Company: CURO Intermediate Holdings
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had applied for a {$300.00} pay day loan in XXXX, XXXX with Speedy Cash in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX  and XXXX  credit bureaus. In XX/XX/XXXX, I mailed the reported amount of {$250.00} to XXXX  XXXX, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX  and XXXX  in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that XXXX XXXX is falsely reporting to the credit bureau that I have an unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE 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 2018-08-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2018 - Called Citi prior to making a large furniture purchase to confirm that the purchase would qualify for the 5 % cash back promotion. Was told that " absolutely '' it would. 

XX/XX/2018 - Made a credit card purchase with XXXX XXXX using Citi credit card XX/XX/2018 - Called Citi about not getting points. Call escalated to a supervisor who indicated the purchase should have qualified and would be corrected on my next statement. 

XX/XX/2018 - Received a letter from Citi saying the due to the merchant code, the purchase did not qualify. 

XX/XX/2018 - Submitted a letter to Citi from XXXX XXXX indicating that the purchase was indeed a home furnishing purchase and should qualify. Was told by a Citi representative ( XXXX ) that the issue had again been escalated to a supervisor and the missing {$240.00} would be on my next statement. 

XX/XX/2018 - {$240.00} credit did not show up on statement. Called Citi again and filed this 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 2021-06-25
Company: EQUIFAX, INC.
State: PA
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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Ditech Financial LLC
State: SC
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: Problem with personal statement of dispute

Complaint:
I wrote to ditech and spoke to them on the phone, I have send them divorce papers and informed them that I no longer live in the house. XXXX XXXX lived there and he got the house in the divorce. Im not paying on a house I couldn't live in. the account # was XXXX. I had no idea that he wasn't making payment on the property. I was not informed. ditech claims that my name was still on the account but wouldn't give me information on the account or discuss it with me because XXXX XXXX was living in the house. I should not be held at fault because of what he did. I couldn't live in the home nor was I giving any information about the house. They will have to look at XXXX XXXX for what is owed. I'm no longer have any contact with him and the house has been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Nelnet, Inc.
State: VA
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:
In 2014 XXXX University indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Leading Edge Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called my cell phone and was busy at work to answer and turned around and called me at work. When calling on cell, they do not leave voicemail. I have wanted proof in the past of who they are. I will not give my personal info since the bank sold my account to a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of fcra rules section 1681 for reporting XXXX XXXX XXXX XXXX to my credit report without notification 5 business days as required by federal law.

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 2020-06-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I applied online for XXXX XXXX credit card to purchase flooring. The card is through Synchrony HOME credit card. I was accepted within minutes with a credit limit of {$6300.00} being given. I immediately reached out and asked for a increase since my purchase exceeded this amount. I had created an online account and requested through this and also through the email notification of acceptance that I received. I received email responses saying they received my request ( s ). I had not heard back on XX/XX/XXXX and I needed to place the flooring order, so I called and first talked with XXXX and then XXXX, a manager. XXXX told me that my increase request in limit was being denied because I did not experience on the current line. I shared that this did not make sense, I had newly applied. He added that I never had an account with me and also no history. That day when I got home I had a letter ( attached ) denying my increase request for the reason - insufficient experience at your current credit line. On the back of the letter it states that I can request a copy of my credit report from the credit reporting agency, and if no agency is listed, a credit report was not utilized in making the decision. I then went to a credit monitoring service and discovered that Synchrony had pulled my credit report on XX/XX/XXXX and XXXX, XXXX ( attacched ). They provided false information. Synchrony seemed familiar to me and then I discovered that I have a credit card with them for another store since XXXX of XXXX. Again, false information they are providing to me. I have excellent credit history, no debt, and this experience was so unusual that I felt the need to report their practice of providing false and inaccurate information to a potential customer.

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 2018-11-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am looking at the XXXX that exists in the student loans in this case it is my student loan when I sign this loan with the XXXX XXXX according to the person who did the paperwork told me it was a federal loan and not private which was not so, she made me privately deceive me that she was federal and she also told me that she was going to pay a monthly payment of XXXX dollars a month which at this moment the Navient company is charging me monthly amount of XXXX dollars I have been paying the loan but I have already reached the point that my life has become very expensive in exchange for not working and the little I do is to spend on my home expenses t the babies that I have are XXXX I call the Navient company and I tell them the problem and they do not give the solution I have complied with them all the time and now what they do is raise interest and payments when it should be in reverse now I'm paying more than when I started and I do not know what Please help me solve this problem thanks my number is XXXX and my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I paid Experian for their 3 in one credit reporting service. Credit Check total service. I have never been able to access all 3 reports. Ive been charged XXXX a month and never received the service. They are refusing to refund my money.

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