BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Through PayPal I received a payment and initialized transfer to bank. Their standard procedure is up to 72 hours for review. After 72 hours they sent an email saying the payment was going into my bank account. Instead of sending to my bank account they moved it back into the PayPal. I had to re-request it to be sent to my bank account and wait another 72 hours ( in which they will keep this cycle going ). This is at least my 5th time dealing with PayPal with a similar issue across two accounts, one of which they held my money for 180 days. Calling customer service to talk to a representative takes hours, with the majority of the time them disconnecting the call or transferring you then disconnecting you. The absolute worst company I have ever dealt with and I am beyond tired of them holding people 's money like ransom so they can gain interest on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: GA
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 viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.

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 2021-03-30
Company: EQUIFAX, INC.
State: MO
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:
on XXXX I sent certified letters to credit reporting companies XXXX XXXX, equifax, and XXXX. I have been patient and even tried to call multiple times but still no answers or emails. I have seen on y credit that I have items hat are not mines and wanted to get them removed. I understand covid is taking longer process but it has been over 60 days and I would like the negative false items deleted so I can move forward with my life thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/2017

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 2019-08-23
Company: EQUIFAX, INC.
State: MA
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 am writing to dispute U S DEPT OF EDXXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I FIle a dispute with XXXX XXXX XXXX, as they have a Report from Honda financial there. Honda and I had a dispute for a car got into an accident which Honda sold me a GAP insurance which they forgot to process and left me withut insurance for 4 months after the crash.

I disute with Honda through XXXX and was at the middle of trying to negotiating, I did offer Honda to pay the {$80.00}. same aount I would had to pay if they had processed the proper Gap Insurance I had paid for. Honda Vindictively sold my Account to XXXX XXXX XXXX XXXX XXXX in the middle of negotiation and ACCORDING TO THE FAIR CREDIT REPORT ACT ONCE ONE SELL THE ACCOUNT ONE NO LONG HAS OWNERSHIP AND NEED TO REMOVE IT FROM THE CREDIT REPORT.

i DID REPORT IT TO XXXX THAT Honda needs to delete everything from my credit report as they sold this account and XXXX   has not removed it. 

Honda needs to remove it as it is ilegal to remove it also Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: WELLS FARGO & COMPANY
State: GA
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:
This is just a inquiry in trying to have delinquency hits removed from my credit history.

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 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX co-signed loan on car with daughter. Vehicle was financed through KIA Finance USA for a total finance of {$28000.00}. In XX/XX/XXXX, while parked, in driveway the vehicle was totaled by XXXX the insurance company that I had insurance on through at the time. Before the vehicle was totaled, there were a total of nineteen ( 19 ) payments made. Seventeen ( 17 ) payments at {$550.00} a month totaling {$9300.00}. OnXXXX ( 1 ) payment made for {$550.00} and one payment made for {$560.00}. This was what was quoted to me on XX/XX/XXXX by a worker at the customer information center at KIA motors finance USA. I did not write down her name. I also asked that same customer service rep at KIA motors finance how much did XXXX pay when the car was totaled? She answered {$14000.00}. I asked how much did the GAP insurance pay? She answered : {$6700.00}. KIA motors finance also received refund of extended warranty of {$610.00}. That comes to a total of {$32000.00}. The total amount financed according to the copy of the contract that I have says {$28000.00}. Subtracting total payments made, insurance payoff, GAP insurance payoff and the refund of the remaining warranty shows a difference of {$3700.00} positive or extra monies that KIA motors finance received. KIA Motors finance USA is still showing I owe {$1300.00} on my credit reports. I say KIA Motors Finance USA owes me the overpayment of {$3700.00}. KIA Motors Finance USA has sent to several collection agencies for the amount of {$1300.00} and it needs to be removed from my credit reports because it is showing as negative credit on my credit reports. The KIA MOTORS FINANCE ACCT IS : XXXX. The contract date was : XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX now known as KIA of XXXX XXXX , Florida .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: DISCOVER BANK
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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it ) or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX XXXX immediately, as you AND this illegitimate company are in violation of 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 2018-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX. XXXX XXXX XXXX XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX 's taxes that I filed with my husband.

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 2020-12-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
BMO Harris Bank is discriminating against me by refusing to approve me for and open up a checking account for me because of my race, me being an XXXX. I have applied for a checking account with BMO Harris Bank numerous times, and each time, I was denied to open a checking account due to my race and me being XXXX. BMO Harris Bank is violating the Equal Credit Opportunity Act ( ECOA ) under Federal law 15.U.S.C. 1981.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
SOMEONE OPEN UP A LOAN IN MY NAME ... PLEASE HELP ... I DONT HAVE DATES OR AMOUNT BECAUSE THEY ARE 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 explanation
Consumer complaint received 2017-09-21
Company: LendUp Loans LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is not following XXXX rules about how delinquent an account is before charging off a loan. They continue to misreporte a loan I have with them as not actually being a delinquent as it is to avoid taking the loan off their books and therefore running up the interest I owe them. I would like to work something out with them also but they refuse to put any correspondence in writing.

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 2020-12-04
Company: HYUNDAI CAPITAL AMERICA
State: WA
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:
On XX/XX/2020 I used the " payoff your loan '' function when logged into my account with Kia Motor Finance to pay off my auto loan for a XXXX XXXX. The software said I needed to pay {$17000.00} to pay off my loan that day. 

I submitted payment for that amount. {$22.00} was applied to outstanding interest and {$17000.00} was applied to the remaining principal balance, leaving a difference of {$18.00} that I was overcharged. 

There is no email functionality or chat functionality on the website, only the customer service phone number. I called on XX/XX/XXXX explaining that I used the payoff your loan function, that it overcharged me, and how to get my refund. I was told a check would be cut in 30 days and then take 1-2 weeks to arrive via mail. 

It is 121 days later and I have made eight calls to the customer service number. I have been told multiple reasons as to why I still do not have the amount I was overcharged refunded, including that payment processing denied the refund because the account was already paid off. In multiple other instances the service requests are closed/denied with no explanations or agents were told they need to send various emails internally. All of those requests and emails are denied or ignored. I have reached the point where I have spoken to the third tier of customer support ( after being told I can't talk to anyone above the second level for weeks ) and am told the only thing they can do is to continue to send emails to payment processing. They can provide no estimate of when the refund will be processing, only that it should have gone out after 30 days. 

I believe that the payoff your loan function of the website is deliberately coded to overcharge customers and that the internal processes for getting your money returned are purposefully designed to fail and stretch out the time for the company to hold onto the funds.

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 2020-09-21
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Western Union money order XXXX {$1000.00} purchased XX/XX/XXXX was stolen and altered. Western Union has refused to refund. Signed notorized purchaser affidavit submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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 CALLED TRANSUNION BECAUSE THESE INQUIRIES WERE NOT AUTHORIZED TRANSUNION 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 Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( 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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both transunion and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind.

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

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