BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a vehicle from   XXXX   XXXX   hyundai in  XXXX  of   XXXX   on or shortly after the  XX/XX/XXXX . I began having financial troubles with this lease and contacted them to see if I could get a later due date other than the  XX/XX/XXXX . They ( Hyundai motor finance ) suggested going back to the dealership and ask if they can draft another contract that reflect a later date and would go forward from there. After numerous payments in excess of monthly amount ( that I did not get a copy of ) {$570.00} is what I 'm told is my payment on the ( hyundai motor finance  App )  both copies of the lease that I have indicate different amounts. attached are numerous pictures of contracts due to the size of the forms and screen shots from the hyundai app.In essence the lease was told to me that changing the date is not likely and if it was the amount would be prorated indicating that I would have to pay more than already paid.Also paying for a maintenance contract ( was n't given  ) {$1500.00} and a service contract ( was n't given ) {$250 0.00} that i had a discussion with  XXXX   XXXX  after recieving her email regarding lease vehicle mileage. we spoke about the differences in lease contracts mentioned earlier and made copies that she was submitting to the general manager of  XXXX  hyundai who took over from  XXXX   XXXX  and lastly just yesterday service was told that the oil change was not covered with being told by finance rep  XXXX   XXXX  that I was only covered for  24,000  miles  ( n o contract given to reflect this information ) i.e servicecontract or maintenance contract. please feel at liberty to contact me for further information upon review of this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: STERLING JEWELERS, INC.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
An account was opened in my name while i was in the Kay 's jewelry store without my knowledge. I explained to the employee that i did not want my credit ran and i did not want a card in my name. This card and the stipulations also seem to change to benefit Kay. The penalty and interest rates seem to increase. Since the card was already on file i made the mistake of making the purchase on the card. I have had difficulty paying the card as they do not make things clear for you to pay. I have had assisted payments that i had to pay for over the phone. I have continuously attempted to contact the corporate office to rectify this practice and to talk to someone about the difficulty of paying. the last payment that i was to make was late and i had {$400.00} in interest tacked on for a card that i never wanted and a dispute that has never been answered. I have continued to pay but i am paying over {$600.00} in payments that have been tacked on as penalties. When you attempted to contact the offices no matter how you try you are disconnected. I am a customer of Kay jewelers and am very disappointed by the unfair practices. I asked for my card account to be closed and I am not sure that this has been done. I spoke with an employee that has stated to me that this is common practice and this happens to a lot of people. The employee also stated that the company will not help me. I was also told that i will probably not be able to get in touch with corporate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: CT
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 canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: AmeriHome Mortgage Company, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint  ( Case nu mber :  XXXX  ) regarding non-payment of property taxes from escrow account. AmeriHome responded and said they had paid taxes. They paid taxes to parcel #  XXXX  which is the WRONG parcel # AGAIN. I had sent copies of tax bill clearly stating that the parcel # was  XXXX . I want the taxes paid and acknowledge their mistake. Taxes must be paid by Friday

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX / XXXX / XXXX  Tax Bill  1 D isbursement Payments - escrow behind  XXXX  {$5200.00} after payment Escrow was setup based off  XXXX  Tax Bill - ~ $  XXXX   County School t ax is  XXXX  per {$1000.00}  ( no  recent change in rate ) Escrow is behind due to lack of setting up proper escrow. Mortgage rate increased from {$1200.00} / month to $  XXXX  month This increase is for a year to catch up escrow Afterwards it will be set at {$1500.00} / month Attempting to work with lender to resolve the situation, at this time not getting much assistance in resolving the issue.     In risk of loosing house due to mortgage rate increase to cover for escrow mistake. It appears that poor practice of blindly setting up escrow based off previous year 's taxes instead of calculating proper tax rate is the source of problem. I, as the consumer, is left trying to resolve and fix the problem that others created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: AFNI INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sen t all  XXXX  cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in  XXXX     2017  no action taken. They just sent a bill with my name on it. Never had an account with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: HOVG, LLC
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was not properly notified of debt. I was not given the chance to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX has illegally provided XXXX Court, XXXX XXXX XXXX XXXX XXXX, Texas with fraudulent affidavits in order to secure a default judgement against me. Furthermore, I can prove XXXX XXXX made no attempt to serve me with proper documentation of the suit as stated in a SWORN declaration signed by XXXX XXXX on XX/XX/XXXX. Moreover, the dates of the junk debt, of which this suit originated, has dates that have been changed in attempts to remain on my credit reports but have been removed because XXXX XXXX failed to verify the debt. In addition, I charge XXXX XXXX with fraud for applying this failed debt, which was removed from my credit report, to my father 's credit report, which remained there for several years before being removed for similar circumstances. Therefore, I am demanding all records, documentation, invoices, receipts, and contracts from XXXX XXXX XXXX, MCM ( XXXX XXXX XXXX XXXX XXXX. ), and XXXX XXXX in the original and unaltered format of which each were authored, transacted, and recorded. Additionally, I challenge the authenticity of the XX/XX/XXXX default judgement for {$7500.00} when I was never presented with a petition to sue by XXXX XXXX XXXX. I challenge the validity of XXXX XXXX XXXX buying a XXXX XXXX account for {$7400.00} on XX/XX/XXXX and charging another {$140.00} of interest to the said account at the  rate of 6 % annually. Furthermore, I challenge the authenticity of XXXX XXXX, " who swore on oath that the information '' in the above abstract judgement is " true and correct. '' Also, I challenge the authenticity of an ABSTRACT OF JUDGEMENT filed on XX/XX/XXXX in the name of XXXX XXXX XXXX. I hereby charge XXXX XXXX to fraud with deceit and a total of thirteen counts of robo-signed affidavits provided to the XXXX County court system in and during the precedence of my filed suit case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: LendingUSA
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have made several attempts to contact LendingUSA concerning my balance that is not decreasing and i overpay each month. I was hung up on three times by this company on XX/XX/XXXX trying to obtain my payoff and historical payment history to determine what i owe. I do not know why they are denying me this information or feel the need to hang up up a customer who overpays them, but this is the response i get when i reach out to obtain my information concerning this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute to Equifax on  XXXX   XXXX ,  2017    to have an incorrect and unverified bankruptcy that is on my credit report removed. I have disputed this inaccurate information that is on my Equifax credit report time and time again. It can not be verified, it is not my account and is inaccurate. It is now pass the 30 day mark for investigation disputes and pass 45 days. I demand that Equifax remove this record from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: LA
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my most recent report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violation of the XXXX XXXX XXXX XXXX Section XXXXb ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and prove me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX   XXXX   XXXX   XXXX   in  XXXX .  XXXX   XXXX   XXXX   XXXX , SD  XXXX  made unauthorized payment on my account on  XXXX   XXXX   XXXX  when I called in they tried to blame me for making the authorization while i did not even initiate anything. on   XXXX   XXXX   XXXX   they send me an email asking to pay a minimum amount of  XXXX . This company is making fraudulent transaction and authorization without the knowledge of their customers to ruin their credit history.   Although, my account is a roll over account showing that minimum payment of  XXXX  is due every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Bread Financial Holdings, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/21, starting at XXXX XXXX I have received XXXX calls from XXXX. I am paying my bill Wednesday but they continue to call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last 6-8 months a phone number, XXXXXXXX, identified as "National Enterp" calls our landline phone twice a day.  We have tried to answer this call to tell them not to continue calling but no one ever responds no matter how many rings we allow before attempting to answer.  The calls come just before XXXXXXXX XXXX. EST and, again the same day just before XXXX XXXX. EST.  If the answering machine picks up there is no message left.
We would like them to stop the repeated calls and hang ups.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX / XXXX / XXXX  - submitted a request to loan servicer MOHELA via secure online message for full payment history of my account : " Please provide detailed transaction history of my account from  XXXX   XXXX ,  XXXX  to current. ''  XXXX / XXXX / XXXX  - MOHELA 's Response : Thank you for contacting MOHELA, We will provide you with an automated payment history for your loans while serviced at MOHELA. You may view the last 12 months of payments on MOHELAs website. To the left of this message, please select Payment History under the Payment Assistance heading.     To provide a complete payment history, we will need a specific reason. We apologize for any inconvenience this  may  cause.     We look forward to continuing to service your loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Apply for Credit Card, I have high credit score, and no high balances in my credit card, no late payments, no derogatory marks in my credit report, I have very good credit rating. Card Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear sir/madam I had a credit card account with CHASE BANK, Due to some personal issue I was unable to make my payment for some time but later in the year XXXX a collection agency sent me a letter on behalf CHASE BANK, The collection agency stated that they going to let me pay half of the credit card debt and also the account will be taken of my credit report. I paid the debt but until now CHASE BANK still have it on my credit report that I am still owing the debt. This XXXX XXXX as I tried to apply for credit card, there I found out that CHASE BANK still have it note on my credit report that I am still owing them debt I already paid. I attached a copy of the letter sent to me from CHASE BANK after I applied for a credit from chase this XXXX XXXX and a copy of the note on my credit report regarding the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened the XXXX XXXX XXXX credit card and made a purchase in the amount of XXXX on XX/XX/2021. There was a 20 % rewards points going on at this time. Unfortunately the item purchased was out of stock so only the deposit was charged on the credit card at that time. The deposit received the full 20 % rewards but when the item was delivered and the balance charged, only 10 % rewards were provided. Called Synchorony on XXXX and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX  said they filled out an internal form to receive the full promotional 20 % rewards and there was no action needed from me and no confirmation number but they left notes on the account. Need full 20 % rewards on {$1600.00} in the amount of {$160.00}. This has not been done as of this complaint submission. This is unfair as the items availability was outside of my control and my purchase decision was made under the marketing promotion that I would receive 20 % rewards for my purchase but I did not.

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 monetary relief
Consumer complaint received 2021-11-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This complaint is about fraudulent accounts reporting on my credit report. I've disputed a XXXX XXXX account that was open from fraud multiple times and the credit bureaus are continuing to report it. I've done EVERYTHING they've asked. Filed a FTC report and everything and they refuse to remove it. IT IS NOT MY ACCOUNT AND IT NEVWER BELONGED TO ME. REMOVE IT AT ONCE IT'S FRAUD.

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