BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-12
Company: HYUNDAI CAPITAL AMERICA
State: AZ
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:
After being struck by another driver that ran a red light on XX/XX/2019, our financed vehicle was deemed undrivable and towed to an impound lot. 
The other party in the accident was at fault, but her insurance company took a long time to accept the claim ( finally accepting responsibility and agreeing to pay off our auto loan, plus additional compensation on XX/XX/2019 ). 
Meanwhile our car sat in an impound lot and the towing company, seeking to be paid, attempted to file a lien on the vehicle without contacting us. 
Hyundai Motor Finance, with whom we have a $ XXXX loan on the vehicle and to whom we have continued to make payments timely and in full, received notice of the lien. They then determined that the damaged vehicle was worthless, and declared it abandoned and placed our loan in charge off status again without contacting us. 
Until XX/XX/2019, we had no knowledge of the attempted lien or negative credit reporting. If we had known, we would have simply paid the towing company and/or Hyundai Motor Finance and sought recovery through insurance once the claim was accepted. 
We spoke with Hyundai Motor Finance ( XXXX ) on XX/XX/2019 and were informed that once they receive payment from the insurance company they will contact the credit reporting agencies to have that charge off removed from our record. Although they acknowledged the credit reporting needed to be corrected and that we have always paid in full on time ( the loan was never delinquent and is not currently in charge-off condition ), they will make no effort to correct this until they have been paid in full. We offered to pay in full to speed up the correction process, but they advised us to allow the insurance company to complete the payoff process that is already underway. 
Unfortunately, we are currently in the process of obtaining a mortgage ( primary residence ) and this negative and erroneous credit reporting could interfere in our ability to obtain that financing. 
We respectfully request your assistance in encouraging ( if not enforcing ) prompt and accurate credit reporting by Hyundai Motor Finance in this matter. If this is not remedied swiftly, it could have significant implications for our personal financial situation that are unjust and unwarranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: AR
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 XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the 120 late finding would be removed. I made the payments and then the loan went back to the regular lender. However the 120 late fee was never removed after many requests. Finally in XXXX the loan was consolidated by XXXX. However XXXX still will not remove the 120 late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 


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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I seen there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. Here are the Inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my 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 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
The fraudulent accounts that I am disputing are as follows : XXXX - XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX  XXXX - PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the investigation 's progress and the results once the investigation is complete.

Company response to consumer: In progress
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019, I discovered that XXXX XXXX, an negative account has been reinserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. 
Please delete this account ( XXXX XXXX ) immediately. 

Your Cooperation Is Appreciated.

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 2019-01-11
Company: AMERICAN EXPRESS COMPANY
State: CT
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:
I visited the Amex credit card page looking to upgrade my card to something better that I could receive XXXX XXXX points faster than I was. My old card had no annual fee where as the Ascend card I was interested in was $ XXXX/year. They were offering XXXX points for new members but in the fine print of the offer it stated that as a existing member I would not receive that much but to call Amex customer service and see what I could get. During the verbal conversation with the Amex rep she stated that if I upgraded I would receive XXXX   points instead after I spent {$3000.00}. I thought it was a good enough deal between the points and other XXXX XXXX upgrades. After a few months no points were credited and I started a complaint with Amex. I spoke to a few different reps over many phone calls when I heard nothing from them. One rep named XXXX said she could she on her screen where the mistake was and as soon as her supervisor returned she would call my cell phone and confirm my points. Of course this never happened and Amex denied my claim. I have been a loyal Amex fan for thirteen years and now that I have been the victim of a " bait and switch '' sales tactic by them I question if I will remain a customer. I have filed a complaint with the XXXX  which I'm awaiting to hear from. All I want is the XXXX  points I was promised and that's it. I hope you have better luck dealing with Amex than I did and for a company who raves about their customer service I'm totally not impressed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Applied for the XXXX repayment plan XX/XX/23. Application is still " under review '' as of XX/XX/23, with full payments being due XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I contacted XXXX XXXX on XX/XX/2023 to get this account taken off of my credit as an authorized user, they could not find said account. With all info provided by Experian to me. Along with not finding account, the balance is showing a credit line of XXXX, while Experian for XXXX XXXX XXXX shows XXXX. This is incorrect all of other credit bureaus have a balances showing limit XXXX. Please delete this account immediately.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}

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 2017-05-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are contacting family and friends by phone and text message about a debt. Not only are they calling and emailing me they are providing the amount of this said debt to family and friends on voicemails and text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: AL
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 submitted a complaint previously complaint number XXXX XXXX XXXX stated `` We added you to our COVID Protected Status in XX/XX/2020 but unfortunately, our review of your account indicates that although you continued to be impacted by the pandemic, your account was inadvertently removed from our COVID Protected Status in XX/XX/2020. I apologize for this missed opportunity to better serve you. To make this right, we will do the following : 1 ) We have asked our credit reporting team members to update how we report your account to the credit bureaus by changing your payment history for XX/XX/2020 through present to reflect a D ( no data ), which is consistent with how your payment history would have reflected had kept your account in our COVID Protected Status as indicated above. Please allow up to 30 days to see these changes reflected on your credit report. 2 ) We will add your account to our COVID Protected Status on a going forward basis. We apologize for any inconvenience or frustration this missed opportunity caused you, and we again thank you for being a XXXX XXXX customer. It is our sincere hope that we have addressed your concerns. If you have any additional questions regarding your account, please contact XXXX directly at XXXX. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has negatively affected my credit score for over 2 years now it has been hard to get approved for anything with so many late payments including a place of my own. Currently I am XXXX  with a XXXX XXXX, and this is a state of emergency in regard to not being able to establish proper living quarters because of my payment history on XXXX, Equifax and XXXX. XXXX XXXX needs to update my credit report with XXXX, Equifax and XXXX immediately as it is unfair, unjust and inaccurate. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX SUNRISE CREDIT SERVICE and XXXX SUNRISE CREDIT SERVICE are both of the same account that is reporting to the credit bureaus twice for the same account and changing the balance amount owed. If you were to take a look at the account numbers you can see where they have taken numbers off or added to make like it is a different account. 

I have disputed this account back and forth numerous times for the past months. Each time i have asked them to provide proof that the account is mine and the Sunrise has  failed numerous times to produce the proper evidence. 

This needs to be remove from all of my credit reports because Sunrise Credit has violated the Consumer Fair Credit Act on multiple accounts. 

Both accounts needs to be deleted off of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: CO
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:
Date of Transaction : XX/XX/2023 Total charge : {$280.00} Refund requested : {$280.00} Refund received : {$100.00} credit at XXXX Outstanding refund amount : {$180.00} Hotel that I booked with through XXXX : XXXX XXXX XXXXXXXX XXXX days before my check in, I saw multiple 1 star reviews posted stating that no one was at the check in desk when guests arrived and people waited XXXX min-over an hour for someone to show up and check them in. There were also multiple reviews stating that the family suite ( which I had reserved ) was not two separate bedrooms with a shared bath as advertised, but instead a tiny room with two double beds and bathroom with no door on it.

The hotel had no option to send them a message, and only a phone number was provided on my reservation confirmation and booking as the only way to contact them. I called the number repeatedly over XXXX  days and when someone finally answered, it was not XXXX XXXX XXXX, and the person said they repeatedly got calls looking for XXXX XXXX XXXX, but the hotel was providing an incorrect number. At that point, I called XXXX and asked them to cancel the reservation and provide a refund- they tried to contact the hotel, and also had the same experience of having the wrong number phone and no way to contact the hotel. The night before I was supposed to check in, this was still not resolved, and did not feel safe taking my family there, so I booked another hotel and stayed there. 2 hours before my original check in time, I finally received communication via email from XXXX XXXX XXXX with a different phone number than had been on all previous communications and on my booking confirmation page. At that point, I was already staying at the other hotel. 

I have contacted XXXX XXXX times since then, waited on hold/spoken to customer service reps for a total of XXXX hours, and they refuse to refund me the full amount because the hotel wont refund them. They have given me a {$100.00} coupon only at XXXX. This in unacceptable. They need to remove this hotel from their site and refund me the full amount. 

I then tried to dispute the transaction with my credit card company ( Chase ) and they told me that they were unable to even file a dispute because I didn't try to cancel within the cancellation policy. I wasn't made aware of these issues until a week before my stay ( I didn't try to call the hotel until then ), and the cancellation policy was 30 days in advance, so this should be irrelevant to the dispute. 

I'm attaching my email confirmation and a print out of my XXXX booking confirmation, both which show the fake phone number they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Bank of America credit card that offered a promotion for a zero percent balance transfer. I took the transfer and paid every month until it was paid off. In the final month of the promotional period, I made the last payment two days before the promotional period expired. However, that same month, I made some purchases using the same credit card. I came to find out that Bank of America charged me interest on the new purchases immediately, without the customary grace period of 30-days, and applied only a small portion of my aforementioned payment ( to pay off the balance transfer ) towards the promotional amount and the rest was applied towards the new purchases. By doing this, Bank of America charged me interest on the new charges ( even though they were not even due ) and on the initial promotional transfer that I thought was being paid off based on the billing statement due. In looking at the banks statement, a person would not know that the payment made to pay off the entire balance, would, in fact, pay a small portion of the promotional balance ( triggering an interest charge ) and accruing additional interest charges on new purchase immediately upon such charges being posted. It is completely misleading. 

Although my charges were minimal, I feel that this is a fraudulent scheme by the Bank and wanted to bring it to the attention of the authorities. On a large scale, this scheme generates the bank income by hiding their policy regarding promotional balance transfers and new purchases and the way they charge interest and apply payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: In progress