BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: HYUNDAI CAPITAL AMERICA
State: CO
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:
1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, KIA still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. KIA has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing KIA 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but KIA has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult deployment. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.

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 2019-10-11
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

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 2022-04-25
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:
XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 
I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX 's XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2019-10-11
Company: Diversified Consultants, Inc.
State: TX
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:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: MD
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 writing to express my dismay and anger over the recent security breach at Equifax, and their response to it. 

It is bad enough that these private entities are allowed to profit off of MY credit history information, but then to have them handle that information with such negligence is infuriating. 

After the fact, their attempt to profit off of their own mistake by enrolling people in a credit monitoring service is just icing on the cake! 

The gall of these people! 

Please consider ways that you can provide better protections to the little guy, people like me, from abuse, negligence and fraud on the part of these banks, credit organizations, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-08
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: CA
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:
Citibank closed my accounts ( 2 - Costco Anywhere Visa and Citi ThankYou Preferred Mastercard ) without my knowledge. As part of this closure, that have advised " We respectfully decline to reintate the Costco Cash Rewards and Citi ThankYou Rewards that were forfeited due to the closure of your accounts ''. I had over {$200.00} YTD for the Costco Cash account and over XXXX+ points on my Citi ThankYou Rewards. I had been accumulating the ThankYou Rewards for nearly 20 years. I did not close my account ; so I therefore did not forfeit my rewards. If they are choosing to close my accounts, they should first allow me to redeem my rewards. Those were earned irrespective of how they are deciding to handle our relationship going forward. ( On a side note : their reason for closing my accounts is also under dispute and will be a separate complaint ).

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 2019-10-11
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I filed a dispute with XXXX for merchandise that I did not receive. The visa card is issued through Goldman Sachs and is called XXXX XXXX. The company stated it would issue a provisional credit while it investigated the claim. A month later, no credit has been applied to my account and the dispute has not been resolved. I contacted the company on XX/XX/2019 and was told that a technical error occurred that had delayed the processing. The company then further stated that it had resolved the dispute and issued the credit. This is false, The funds and transaction are both missing from my account, and I am unable to use my card for any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Credit Corp Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am consumer, natural person and my federally protected consumer rights have been violated repeatedly by Credit Corp Solutions. I provided Credit Corp Solutions an signed notarized affidavit of truth & Cease & desist on XX/XX/2021 regarding the alleged debt and find that they are using abusive practices against me for this alleged debt which is a violation of 15 USC 1692 by continuing to contact me without my written consent Credit Corp Solutions is choosing not to follow federal law. Based on the definition and federal laws : Truth In Lending Act, 15 USC 1692 and 15 USC 1681. Credit Corp Solutions , Inc is a debt collector and here by fail under 15 USC 1692. Since loans dont exist and the alleged contract is a consumer credit transaction and I sold my credit to Credit Corp Solutions , Inc pursuant to 15 USC 1602 H, the alleged contract in question is fraud and thus null and void. I am in distress and is causing me grave concern that Credit Corp Solutions Inc continues to contact me although they were notified of the Cease & desist from me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was never informed to begin with, and my father was the one who got the initial alert that my account was overdrawn. On XX/XX/2021, there were XXXX separate {$1000.00} withdrawals from my account via XXXX XXXX. The next day, XX/XX/2021, there was a {$2000.00} withdrawal and a {$500.00} withdrawal from my account via XXXX XXXX  All of these charges were sent to the same number, ( XXXX ) XXXX. I do not know anyone from that area and did not approve any of those transactions. I have evidence saying that both you, Chase Banking, and XXXX XXXX flagged the activity from this number as possibly fraudulent. As to why my account was not frozen after seeing this kind of activity is beyond my knowledge and makes me lose trust in such a large banking company. 
The way XXXX XXXX works is that the money when being transferred from an account does not ever touch an XXXX XXXX account. XXXX XXXX is just a third party that transfers money from account to account. Therefore, XXXX XXXX can not help me seeing as that the money never touched one of their accounts. XXXX denied one of the transactions and Chase proceeded to charge my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am trying to send money to a friend via PayPal. I have my debit card link to PayPal. PayPal was going to charge me a fee of more than {$4.00} to send {$150.00} to my friend. There was marketing message ( attached ) saying that I could avoid the fee if I paid directly from my bank. I decided to make the effort to link my bank account directly. This is the same bank account that my debit card is linked to. I successfully linked the accounts. When I went to send the money to my friend PayPal did not show me the newly linked account as an option to pay my friend. Yet it still marketed to me the fee free method of paying. I inquired and was told essentially that the risk team has not deemed my bank account as eligible for this type of transaction. So the only way I can send money to my friend is through my debit card by paying the fee. This is despite the fact that the money will be drawn from the exact same account. This practice is misleading. PayPal continues to market to me to use my bank account to avoid the fee, even though I already have that account linked, they do n't show it and only show me the option to pay the fee. 

Also, why do they allow me to use my bank account to make online purchases but not to send money to friends. This seems self serving and a way to generate fees, not minimize their risk, which is their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been recently monitoring my credit report, and found an agency called XXXX XXXX I have never heard of this company nor did I do business with them. I called  XX/XX/XXXX and spoke with a representative asking how did this agency obtain my information that is now on my credit report. She asked me for my phone number in which I presented the agent the number but she could not find me according to my phone number. I refuse to give some unknown agency my personal information which can be used to damage my reputation. I did not receive anything in the mail granting this agency access to my medical history. I did not receive anything in the mail claiming that I owed this allege debt. this agency is asking for a total of XXXX which they say I owe. this agency has been on my credit report since XX/XX/XXXX of this year, when in fact, I had no derogatory remarks or ever using any services. XXXX had a breach that affected millions of consumers and since then agencies such as the one above have been getting my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i sent XXXX vaildation XX/XX/2021 not vericatiion they was not able to provide infomation i requested I never signed hipaa release form with the following alleged medical creditors Therefore these are inaccurate hipaa violations and i want these deleted off my credit report immediately Hippa laws protect my medical and personal information and without my consent now you are aware and i must have those deleted off my credit report immediately 45 CFR Part 160 Pursuant to 45 CFR part 160 and part 164 subparts a and ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: MoneyLion Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money Lion allowed a fictitious account opened with there company. They used my stolen Social Security number. Then the fake account withdrew funds from a online Bank Account at XXXX XXXX. I contacted Money Lion and spoke to rep about the Fake account and the clerk disconnected call. I also advised XXXX XXXX fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: IL
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:
After further review of my XX/XX/XXXX Credit report with XXXX, XXXX, Equifax -- i discovered an account that was previously mine, but was reopened by some other then myself. 

The report confirms the opening date ( confirmed ) payment history. The Account was closed a year ago with the Financial Institution, how it was reopened is out of my reach Upon further review the report indicates a late payment in XXXX of XXXX, and a closure in XXXX of XXXX. Moreover, this validates a double redflag, and imminent fraud. A fraud report was placed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Ditech Financial LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When my bankruptcy was discharged in 2013 I reaffirmed my house with XXXX XXXX XXXX loan # XXXX. They sold it to Greentree loan # XXXX who sold it to Ditech loan # XXXX. Neither Greentree or Ditech have ever reported my on time payment history for the past 4 years, which would make my credit scores 100 points higher than they are now. I can not sell this house and buy another one until they report accurately my on time payments to all three credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation