BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
1. ) In XXXX USAA decided to reverse the decision made on a billing dispute the year prior in violation of fair credit billing practices laws, including regulation Z. 2. ) Despite immediately requesting copies of all investigative materials and documents to support their decision I have still yet to receive anything more than copies of my credit card statements. 3. ) Immediately after my request USAA began taking adverse action in violation of consumer protection laws. 4. ) In response I filed a complaint with the CFPB. USAA once again responded by taking even further adverse action in violation of consumer protection laws. 5. ) The statements I did receive do not add up for my account ending in XXXX. * Statement closing date XXXX/XXXX/XXXX shows a balance of XXXX of which there was/stiil is charge in dispute for over {$500.00}. * Statement closing date XXXX/XXXX/XXXX shows {$710.00} in new purchases for a balance of {$910.00}. This statement also shows the account being closed and available credit being XXXX. XXXX Statement closing date XXXX/XXXX/XXXX shows multiple credits totalling {$1300.00} yet, the total value for the period is shown as {$0.00}. Furthermore, this statements shows further charges despite the account already having been closed, and XXXX available credit as of the previous month. So the balance shown is now {$6600.00}. Which makes no sense. If the account was closed in XXXX, and has been reported as being closed to the CRA 's how could it then have been charged or made purchases? I have not received any notices of the account being re-opened, and it 's being reported as closed with a balance tapping into my other lines of available credit lowering my credit score. XXXX. ) No notification, statements or documents have been received after the initial document confirming receipt of my billing dispute in XXXX either. Nor do I see the charges for the charge in dispute being credited either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Violation due to using third party for decision and also discrimination

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 2022-12-31
Company: Grain Technology, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Grain Technology located at XXXX XXXX XXXX XXXX XXXX XXXX, CA has reported a delinquent account and a new charge-off that has been furnished on my consumer report. Pursuant to 15 USC 1681a ( 2 ) a consumer report does not include any report containing information solely as to XXXX  or XXXX  between the consumer and the person making the report. Grain Technology is in violation of this constitutional rule by reporting the aforementioned allegations against me, thus leaving my consumer report vulnerable to negative adverse actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX 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 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 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 XXXXXXXX have 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 an 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 2022-09-30
Company: OneMain Finance Corporation
State: TN
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:
Reached out and told them I did not want a loan nor have I applied for one. I saw they ran a credit check which hurt my score but I have not asked them to and its happen more than once and I need this to stop and my score to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Experian for 6 days and spoke to 11 different people from the dispute department, and 2 supervisors. No one has been able to help me. I was given a ticket number and still no help. I am trying to TAKE off the security FREEZE/THAW from my account. I keep being told my address was removed from my account. Which I don't see how that is possible when I been living at my address for 8 years. I tried using the mobile app and nothing I been calling everyday and keep getting the run around from the Reps and Supervisor that my address have to be added. Then I'm being told they are unable to add my address and take off the FREEZE/THAW. The REP keep telling me there's a fraud alert on my account which is not true and my account do not have a thaw on it which is also not true. I know the difference and I should not have to call everyday to get someone that is incompetent and not understand XXXX well enough to assist me in removing the SECURITY FREEZE/THAW. I asked for the number to corporate no one had it. This is my last resort to getting help. All I want is my FREEZE/THAW removed PERMANANT off my account so I don't have to call Experian every again. My account has not been updated in a year and I had other items on my report that need to be updated and 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 non-monetary relief
Consumer complaint received 2017-09-26
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been making student loan payments under Income-driven repayment plan since XXXX/XXXX/2012 with XXXX. I also have been employed in public service. Therefore I should qualify for over XXXX payments towards my XXXX for XXXX XXXX XXXX XXXX per XXXX. Now that I have switched over to Fedloan Servicing they are not wanting to count over half of my payments and have very inaccurate information. I personally believe that they are trying to find loopholes in the system to generate more revenue for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
Experian removed the account XXXX from my report then inserted back on to my consumer report. I didnt give them consent or written permission to do so this is unfair and unequitable to me the consumer. This is not my account. Experian has not complied.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: NC
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 went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 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 non-monetary relief
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX XXXX  XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 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 non-monetary relief
Consumer complaint received 2016-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have made monthly recurring payments, in excess of the minimum amount due, to Capital One for my home equity loan. These payments are made from my XXXX XXXX XXXX Account. I received a notice from Capital One that the XXXX 2016 payment was returned for insufficient funds and they threatened to report my account as delinquent on my credit report. However, XXXX XXXX XXXX 's records indicate that the payment to Capital One cleared. I have tried unsuccessfully to resolve this matter with Capital One, and this is not the first time Capital One has failed to appropriately apply payments to my account. It appears to be a recurring issue with Capital One, which I believe is attributable to a significant deficiencies/material weaknesses in the company 's systems, processes and/or personnel. Capital One, however, not disclosed these deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I paid the state excise tax to the town of XXXX, MA in the amount of {$180.00} for my leased XXXX XXXX XXXX. Eleven days later, on XX/XX/XXXX, I leased a new XXXX XXXX XXXX. As such I have requested several times for an abatement from Kia Finance America as I paid the tax for the year on a car I only had for 11 more days. I have been calling and writing Kia Finance America since XX/XX/XXXX. I have mailed them, as they requested, a letter outlining what I summarized above along with a copy of my registration of my new XXXX lease which shows I transferred my MA plates from the XXXX XXXX to my XXXX XXXX on XX/XX/XXXX. I mailed this on XX/XX/XXXX and I again mailed this certified mail on XX/XX/XXXX. When calling to follow up on this, both times, Kia told me they never received it, either time. Following up, I made repeated calls to Kia, most recently, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call back from a XXXX XXXX XXXX who again told me to send a copy of my current registration. I emailed this to her on XX/XX/XXXX. On XX/XX/XXXX I have again called Kia to confirm receipt of this email. I was again told that they never received anything from me. I spoke with a XXXX in escalation who offered only that I need to re-send my registration, this time by fax. I have called numerous times, sent my registration twice, and am still no closer to obtaining my excise tax refund from Kia Finance America.

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 2022-09-30
Company: Westcreek Financial
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone took out a loan from Koalafi for tires and received the product in my name through identity theft. I contacted them and was told they would report it to their fraud department and took my information. The person hacked in to my XXXX XXXX bank account and had the company take out an installment payment. I reported it to my bank and I closed my account and bank returned the money to me. I got an email today from Kolafi that it is going to collections when I had notified them of that being a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CCF Intermediate Holdings LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX  XXXX account # XXXX, originally a XXXX XXXX  account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
1 Payment in the amount of {$950.00} was sent to American Express XXXX XXXX XXXX XXXX XXXX CA XXXX via XXXX XXXX XXXX XXXX. 

3 Payments in the amount of {$930.00}, {$650.00}, and {$760.00} were sent to AMERICAN EXPRESS XXXX XXXX XXXX XXXX TX XXXX via XXXX XXXX XXXX XXXX XXXX Payment in the amount of {$970.00} was sent to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX on XX/XX/2022. 

AMERICAN EXPRESS refused to acknowledge payment or credit to my account. 

Attached documentation ( see Chat XX/XX/2022 ) will show that I have reached out to AMERICAN EXPRESS multiple times during the month of XX/XX/2022 and given them opportunity to act in honor. They have chosen not to. 

Attached documents will show that these payments were sent in good faith, according to the expressed wishes on how payment should be received. 

American Express has not returned the payments, they are holder in due course. 

The American Express CFO was assigned Fiduciary for XXXX XXXX regarding American Express Accounts, in XX/XX/2022 and has accepted the position by acquiescence. He is currently in Fiduciary non compliance as he has not acted in the best interest of XXXX XXXX. 

Assuming that AMEX is required to abide by XXXX ( general accepted accounting procedure or practice ) : 12 USC 1831- XXXX XXXX XXXX has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. AMEX is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar.

According to UCC 3-602, payment has been made in full.

AMEX is the Holder in Due Course. No remittance has been returned with explanation for rejection. No response means AMEX has accepted payment, yet neglected to credit the account.

In order for AMEX to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure according to : UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602. AMEX has not done this.

It is entirely plausible that AMEX has accepted the payments and NOT reported it to the account of XXXX XXXX due to so many attempts to contact AMEX and being given the run around over and over. Again, refer to attached AMEX CHAT XX/XX/2022, which covers the entire month of XXXX.

Company response to consumer: Closed with explanation