BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: MIDCOUNTRY FINANCIAL CORP
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Trying to collect on a old judgment from 14 years ago and have had no contact with me until XXXX XXXX sent me court papers with no court stamp or anything on it and said that they were garnishing my wages for a old judgment from XXXX in Wisconsin that I do n't remember I moved to South Dakota in XXXX and was not contacted until the XXXX of XXXX XXXX about this. 
The original amount was XXXX something according to the clerk of courts in XXXX Wisconsin and they got a judgment for XXXX I was not in Wisconsin I was in South Dakota I left them the collateral In there parking lot and they have added interest of XXXX to the amount so now it is XXXX. I asked for a copy of the file and the lady XXXX XXXX told me no I could not have as it was over XXXX pages. 
They have not sent XXXX letter to me In the past 14 years and they could have gotten my address and such right off the internet I XXXX myself and I found me and it is on file at the XXXX XXXX Courthouse And has been for years. 
These papers they sent are not legal were never filed in court yet they charged me XXXX for filing in court for garnishment there is not XXXX XXXX stamp on them and they were sent from an address in XXXX Wisconsin not from the court house but no heading on it just the address. 
XXXX tactic is what this was my address and such has been in the XXXX XXXX XXXX house for years they said they could not find me yet they say I was served with the judgment papers which would have had my address on them that was returned to them and I did do a complaint with the FTC also. 
Wait 14 years then add interest to the loan seems like a down right scam to me they could have found me they did now after 14 years not sure how they did that either. 
I have had numerous loans in South Dakota and not once has this debt showed up on my credit report if it had it would have been paid. 
XXXX XXXX told me it was undocketed so they never sent it to a credit reporting agency. I have her phone recording I record all of my phone calls. 
Wisconsin XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted a police report and FTC report to Lexis Nexis regarding fraudulent bankruptcies reporting on my Lexis Nexis profile. I was told by the rep from Lexis Nexis that matter would take four days to resolve and remove from my record. Every time I call Lexis Nexis I'm given the run around and told inaccurate information.

Lexis Nexis has continued to drop the ball and not rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 Auto Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company XXXX XXXX nor Crown Asset Mgt and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then XXXX XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep XXXX XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance. 
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did. 

Please have an inquiry on this matter

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 2022-09-14
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Account number XXXX XX/XX/XXXX ( 4 ) phone calls to Hyundai Finance ( Option 4 ) Talked with XXXX who directed me to pay off the total amount on online. 
Submitted a one time payment of {$11000.00} ( Confirmation number XXXX ) as well as the exact odometer reading for the car ( XXXX ). 
Was told by XXXX to call back next day, that payment would clear they could release title to he sent in 7-10 days. 
XX/XX/XXXX ( 1 ) Phone call made to Hyundai Finance ( Option 4 ). Spoke with ( unknown ) and informed it could take up to 1-2 days. Was asked to update my address to my current address XX/XX/XXXX {$11000.00} was taken out of my bank account so proceeded to call to have title released. 
Spoke with someone ( unknown ) who stated I owe an additional {$160.00} due to the change in address ( questionable, but emergency to receive title in time so paid ). Confirmed they received the {$11000.00} but was still pending s XX/XX/XXXX ( XXXX ) Phone call made to Hyundai Finance ( Option 4 ) Calling because now the amount of {$160.00} was taken out of my bank account. 
Got transferred to customer service at that point told me that the money still not applied but all of my paperwork is submitted, and now this will take 7-10 additional days. 
XX/XX/XXXX - informed me that the in-house process will take between 30-60 days to apply the amount paid on XX/XX/2022 & XX/XX/2022. asked for supervisor who said he put priority but unwilling to tell me how long it will take. 
XX/XX/XXXX - customer service said XXXX still owed. Transferred to lease end who said they see both payments but not released, transferred to lease end who said requested to close account an additional XXXX days before can be processed. 

Was told would have title in hand in 10 business days. Paid nearly $ XXXX online and now told you to two months. Had a buyer lined up for car, now Im not able to sell because they keep promising different dates. Moving out of state XX/XX/XXXX. Read reviews online, and this is what they do. It is so important I get the title in hand when promised. My family and I have completely packed up everything we have and depended on getting the title in hand to be able to sell the car and get out to our new home on the XXXX XXXX to be there for my mothers end of life. It is extremely disturbing that there are promises made to customers which we depend on.. in this case, family and I will not only miss saying goodbye to my mother, but my family and I could end up homeless without a place to stay, and down $ XXXX. My bank has confirmed they accepted the payment.

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: NY
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 agreed to remove fraudulent items but has not yet removed.

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 2022-05-05
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: GOLDMAN SACHS BANK USA
State: NY
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/2022, XXXX ( XXXX ) charged my card {$540.00}. On the same date mentioned earlier, I contacted the merchant ( by phone ) to cancel the order. ( before shipment ). The merchant confirms the cancelation verbally on the phone. Later, I noticed the abovementioned charge was posted on my credit card. After multiple unsuccessful attempts to contact the merchant, I got the GM Credit Card Company ( Goldman Sachs Bank USA, Financial Institutions ) to request dispute assistance. The financial institution open a dispute case ( Case number : XXXX ) ; however, the dispute is not resolved in my favor. The financial institutions closed the case on XX/XX/2022. On XX/XX/2022, I contacted the financial institution 's customer services to reopen the abovementioned dispute resolution. However, the customer service representative was denied to reopen the case. On XX/XX/2022, I contacted the financial institutions again to find a solution to recover my loss. However, they repeatedly refused to reopen my claim and assist me in recovering my financial damage. Furthermore, I requested a hard copy of the investigation documents and the internal memos ( notes ), but the representative refused to proceed with my request. However, I asked for this information to pursue a legal challenge if the financial institutions refused to reopen my case and assist me in recovering my loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an addendum and correction to complaint number XXXX. I made a mistake when I stated on XX/XX/XXXX at XXXX XXXX  Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). I meant to say on XX/XX/XXXX t XXXX XXXX Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). 

We spoke for 8 minutes and 37 seconds. She never mentioned an additional amount due, sated in the letter on XX/XX/XXXX ( attachment 9 ). She said that underwriting had received all of the documents and everything was fine. 

Please note ( attachment 11 the XXXX envelope and the tracking number information shows that the letter dated XX/XX/XXXX attachment 9 was sent the next day on XX/XX/XXXX after I spoke with XXXX XXXX see attachment 10 for 8 minutes and 37 seconds. I understand that the calls are recorded. I would like a copy of that conversation. 

XXXX XXXX is the person on most of the documentation that I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Kriya Capital, LLC
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:
att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is continuing to harass me for a debt I do not owe. XXXX was notified prior to me moving out in XXXX of 2020, that I had contracted COVID and was going to go ahead with moving. I paid my last months rent and moved. I had the unit cleaned in XX/XX/2020 because that is when I moved. I had the junk removed from the cleaners at the end of XXXX. I had not been living at the property since the end of XXXX. I did have the grass cut for one last time before the lease ended and I dropped the keys in the mail on XX/XX/2020. They did not receive the keys until XX/XX/2020 because they were mailed to them and not dropped off in person, because I had XXXX. I did not have the carpet cleaned because no one wanted to enter the unit because of me being positive. There is an email dated for XX/XX/2020 notifying them that the keys were being mailed to them. So Im not sure why it says I was occupying the unit until the XXXX if I didnt even have access to the unit after XX/XX/2020. XXXX not sure what they expected the grass to look like after they didnt even come to inspect until the XXXX. I also was not responsible for the stuff growing on the gate. That is how the fence looked when I moved in, I just kept the grass cut. When I initially rented the property it was with another property management company, otherwise they would have known the fence already looked like that. The neighbor can attest to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
somebody had opened an account in my name. it was not my chargers, I have never applied for this card, I do not have the card and I should not be responsible for these charges.

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 2016-10-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
For the past sixty days I have disputed accounts with Equifax that they claim are verified as belonging to me. In XX/XX/XXXX I disputed both XXXX and XXXX XXXX by mail with Equifax and both came back verified. I then did a follow up dispute requesting the method ( s ) of verification on XX/XX/2016 for XXXX and XX/XX/2016 for XXXX and my requests were not honored. The letter states the accounts were verified but no other information is in the report, which is a violation of my rights as a consumer. It is my right to get a detailed report on who they contacted, phone numbers, dates, etc. Instead they only tell me the accounts were verified but not any detailed information which is my right as a consumer. They are destroying my credit!!!!

Company response to consumer: Closed with explanation