BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
on XX/XX/XXXX application for a loan was submitted to XXXX a credit report was provided by Experian with a FICO XXXX score of XXXX reported back However this is a major difference in the score that is published on the web site. Experian web site for which I am charged a monthly fee for monitoring my credit reported a XXXX score of XXXX. I feel that this is a the very lest is false advertising and also hurt the possibility of me obtaining the lower interest rate. I also obtained my report from XXXX and XXXX each of these reported a FICO XXXX score of XXXX and XXXX. I would like an explanation of how a difference of over a XXXX points and be reported to a lending company and not reflect on the web site.

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 2017-10-13
Company: HYUNDAI CAPITAL AMERICA
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I  understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My blue bird card was stolen I called to get it cancelled witch I did but before I could give out the new address to customer service the woman had already hit the button to send out a new card I tried to explain to her that I was no longer at that address I was in another state she told me it was to late I would have to wait my 7 to 10 days and if I didn't get the card to call back in .. I have been trying to call back in to customer service for 2 days now with no luck I want to speak with someone about how this went about I now am going to have to wait 20 days just to get my card an my money ... I am not happy!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 other accounts Total balance : {$0.00} XXXX {$1500.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Open account Balance on XX/XX/XXXX Loan Amount {$1500.00} {$1500.00} Payment Info Status Collection account Status date XX/XX/XXXX Past due amount {$1500.00} Original loan amount {$1500.00} Monthly payment - Late payments - No payments have been reported on this account.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt being listed as a charge off on my consumer report that I have no knowledge of, and also is not being reported across all XXXX bureaus.

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 2021-01-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with American Express. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that XXXX XXXX XXXX had taken over for AMEX. In fact, when I called AMEX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to XXXX XXXX  XXXX. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called XXXX XXXX XXXX  to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the XXXX XXXX XXXX office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. XXXX XXXX  XXXX finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I responded to an email I received that appeared to be from a well-known and often shopped store " XXXX XXXX '' to complete a customer satisfaction survey. Thinking I was dealing with XXXX XXXX, I completed the survey. As a reward for completing the survey, " XXXX XXXX '' offered free merchandise. XXXX of the items offered was a colon cleansing product which I picked as my free reward. After completing the page requesting the product, I was asked for my credit card info to pay {$4.00} for shipping and handling. At NO TIME did the offer say anything other than it was a free offer for completing the aforementioned survey. I decided to give my credit card information for the {$4.00} shipping and handling fee as XXXX XXXX is a well known and trusted merchant. As soon as that information was submitted, the web page " disappeared ''. I could not return to the survey page, the free offer page or the credit submission page. There was no information available as to the company that would be shipping the product or any way to contact that company to question or cancel the order. 
The only thing received to date are the unapproved charges ( XXXX separate charges in the amounts of {$44.00}, {$79.00}, {$94.00}, {$85.00} plus {$1.00}, {$2.00} and {$2.00} for " foreign transfer fees '' ) to our credit card. No product was ever received. We filed a claim with Bank of American on the first XXXX charges ( as they were the first to show on our statement ) Bank of America said they would look into the charges, and subsequently dropped them from our statement. On the following statement, XXXX more charged were incurred. When we contacted Bank of America on these charges they once again agreed to look into them but now the response from Bank of America is : " We requested and received a copy of the sale ( s ) slip the merchant provided as verification of the charge ( s ). '' I contacted Bank of America by telephone to explain again that there was never any product shipped and I had only approved a {$4.00} charge for shipping and handling for the " Free Offer '' product. Again, they responded by mail that, after further investigation, they have receipts for XXXX of the charges {$94.00} and {$85.00} and we would be responsible for paying. Now Bank of America is reopening the dispute on the first XXXX charges as well.

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 2021-01-01
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS Tracking : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to XXXX  XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Tracking : XXXX XX/XX/XXXX EQ Tracking : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Arco Collection Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to XXXX XXXX XXXX or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, XXXX XXXX did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX  XXXX claim requested in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
They have accounts with XXXX XXXX XXXX XXXX  XXXX al XXXX and its never been my address but refuses to delete the information

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 2022-03-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my report that has taken well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a paid membership account with Transunion and I have been unable to file a dispute for the incorrect items on my credit report. 

I've contacted the company twice since XX/XX/2020 and have been told they aren't aware of any issues and that I can place the dispute over the telephone but I won't receive the updates electronically. I want to receive the updates electronically as I travel for work. 

Their website has not accepted electronic disputes for more than a week.

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 2022-03-21
Company: EQUIFAX, INC.
State: LA
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:
Hi i have tried numerous times to submit disputes about my credit reports. I have done a rehabilitation for my school loans to get them out of default and in good standing. The credit reporting bureaus equifax and XXXX are still reporting these old accounts as delinquent amd they are not. The old accounts are still showing negative information on my credit report. I have done dispute after dispute with no results. The credit bureaus equifax and XXXX have 6 duplicate accounts showing on my report these accounts are copies of the updated records that were reported on XX/XX/21. I have explained this to them over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
After months of waiting for id verification to get my Colorado unemployment, i go to use my U.S.BankReliacard on XXXX, 2020 that had been loaded with XXXX $ but it said transaction denied. i called the XXXX number on the back of the card to be told my address doesnt match what they have on file but not only does it not match but it hasnt been changed ... Well if it hasnt been changed then it should be the address i provided when asked.. They therefore proceeded to tell me they can not give me any information about the account cause i cant verify my address, and to to to this website www.verify.usbank.com/ID and upload my ID and a selfie and within 1-2 business days someone from there '' offline team '' wil call me to reactivate my card.. Well its been 10 and they still have no update anytime i call. They say theres no way to contact the " offline team '' and their supervisors are just as not helpful as them. They hang up XXXX Ive faxed my documents and uploaded them multiple times.. I have no electric due to them freezing my card. I know have XXXX $ that i cant access and bout XXXX $ worth of bills unpaid. Im bought to lose my house. They are holding on to peoples money for what reason. I need my card reactivated now

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 2016-09-08
Company: Student Services
State: GA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Identity theft and a large sum of money stolen from a company that I thought was helping with Student Loan Consolidation. 
On XX/XX/XXXX, I spoke to a representative from Student Loan Services about loan consolidation. They said that for an initial fee of {$350.00} and then XXXX for 3 months to follow and then no payment for a year. I agreed to it and went on with the process.I gave them my XXXX XXXX XXXX account information ( which is since closed ) In XX/XX/XXXX I noticed that there was a CA address on my credit report and a few other things that looked fishy so those were disputed. I then got an approval letter from XXXX XXXX saying that my loans were consolidated and that I could sign onto my online account.I then got locked out of my online account due to wrong spellings of names and wrong answers to security questions ( even though I was answering them with the right answers. ) I then called XXXX XXXX for help and they told me that Student Services was not a legit company.I also got communication from XXXX from Student Services in XX/XX/XXXX and he called me XXXX XXXX instead of XXXX which was already a red flag in my book. I am out a good sum of money and would like my money back from them. It is not fair that this had happened. 
Desired Settlement I would like my refund. 
Business Response Contact Name and Title : XXXX XXXX Contact Phone : XXXX Contact Email : XXXXXXXXXXXX To Whom It May Concern :

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit acceptance account was closed all of a sudden it is open back and said I owe XXXX now but a year ago they said it was closed and I owe XXXX now I know for sure I dont how them any money and I'm not sure how it was open back up and it also say someone is making payments on it and it wasn't me.

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 2021-01-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. An escrow account analysis was done on XX/XX/XXXX and XX/XX/XXXX, when it should have been performed annually. The monthly payment increased is incorrect as of today. Exhibits A and B. 
2. Homeowners Insurance Company, XXXX, was cancelled and there was a surplus of {$720.00} mailed to me by check on XX/XX/XXXX. The amount was paid to Select Portfolio Servicing, Inc. on XX/XX/XXXX over the telephone and the {$720.00} was not applied to escrow. As of XX/XX/XXXX, have been trying to get it corrected to have the full amount applied to escrow with a corrected escrow amount, but to no avail. Exhibit C. 
3. The escrow amount is incorrect as of today and on all the monthly statements. Exhibit D 4. The monthly statements are all incorrect for balance owed. All monthly payments have been paid as of XX/XX/XXXX to XX/XX/XXXX. Exhibit D 5. The monthly statements that show a past due amount are incorrect. Statements online has incorrect information and Select has not corrected per previous requests. Exhibit D

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation