BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is in regard to my account with Hyundai Motor Finance. 
I originally purchased the vehicle brand-new in XX/XX/XXXX. The loan was put in my name and my cosigner 's name. I haven't missed a single payment on the vehicle since I purchased it. 
Later on, my cosigner filed for bankruptcy and the account was flipped to the bank. However, she was able to reverse her bankruptcy in Late XXXX, and the account was flipped back to her and I. 
On my Cosigner 's credit report the vehicle loan was shown as active, open, and current, as has since the bankruptcy was reversed. 
However, my credit report hasn't been accurate at all. 
As you'll see attached, I did write Hyundai Motor Finance back in XX/XX/XXXX to dispute the information on my credit report. 
They started reporting the correct information and my XXXX report has changed and has been accurate since. However, my XXXX  report hasn't changed or been resolved at all. 
I did open a dispute with XXXX in XX/XX/XXXX, where the results stated, " Verified as accurate and updated : the disputed item ( s ) was verified as accurate : however, we updated Rating. For two weeks, XXXX reported the account accurately with no payments missing and open. 
Once XX/XX/XXXX rolled around, XXXX was once again reporting the account as closed with missed payments. I called to dispute and they told me that I needed to call Hyundai, as that's where they get their information. I called Hyundai and they opened up an investigation on their end. On XX/XX/XXXX, according to Hyundai, they sent over to XXXX the correct account information. I have started another dispute with Hyundai on XX/XX/XXXX, but have no results yet.

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 2017-01-15
Company: Conn's, Inc.
State: NC
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
HELLO, Re : Account # XXXX I have called asked you people over 15 times to change my DUE DATE and you still have not done it propery! YOu keep sending me emails telling me I am past due. What till it take for your incompetence to be corrected? 
I really regret ever getting into bed with you. And I can not wait to pay you off in full, so I do n't ever have to deal with you again. It was a mistake and I will NEVER do business with Conns! 
CHANGE MY DUE DATE TO THE XXXX of each month immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: NV
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:
**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered an collection account by the name of Portfolio Recovery that is showing up on all three credit bureaus under my name and ssn that is a unverified account that i have no knowledge off. I have ask of them to remove this account because it could not be validate with a legal obligation to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Took out a second mortgage out XXXX 2005 for XXXX 20 year term fixed interest as of today still owe principal XXXX and see on bottom of bill a deferred interest of XXXX. This is not right, i have asked for a pmt history and original contract to be mailed to me. I think there could be some kind of government protection for mortgage companys taking advantage of consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: National Credit Systems,Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern : My name is XXXX XXXX and in 2013 I had issues with an apartment building I was living in and it left me with debt on my credit report. I recently paid off the debt and it was removed from my credit report. XXXX XXXX was the original creditors and they sold my debt to XXXX different collection agencies. I have disputed the errors with credit bureaus and they have not had any success with removing the debt. The collection agency is called the National Credit Systems.

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 2016-04-20
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
At XXXX on XXXX/XXXX/2016 I received a phone call from a person named XXXX who claimed to be with Financial Corporation of America. He asked to speak with XXXX and I said this is he. I asked what this was in reference to and he said a personal business matter. I said if you are not gon na tell what this is in reference to I am not gon na talk to you and he would not so I hung up. Check the supporting documents to see that there is no Financial Corporation of America listed at this number or anywhere in the city of XXXX XXXX, Texas. As you will see this number is registered to 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 2016-12-12
Company: Receivable Management Group, Inc. (GA)
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Management Group XXXX Inc, continued collection practices AFTER I had sent a CEASE & DESIST letter and proof of payment. Letter was sent certified mail ; the representative I spoke with denied having record of receiving it.

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 2015-11-03
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
After First Merit Bank branch manger XXXX XXXX learned that I and my wife had filed complaints against the bank, and after he ignored my attempts to contact him about the Bank 's FRAUD & PHYSICAL THREAT, XXXX called me to say that the bank decided to close out my checking and savings accounts. This is RETALIATION. This will now cause me great harm, as I have several bills automatically due and scheduled. This will cause me late fees and damage my credit score. Also, the bank is causing checks to bounce. Such RETALIATION by the bank is totally against the public interest. In light of this, I requested that the bank keep my accounts open for 30 days to allow me to rearrange my bill payments. XXXX ARROGANTLY refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had several debit card transactions for a XXXX cruise drafted out of my account. I opened up a dispute in XX/XX/XXXX. The reason I booked this cruise was because of the advertisement of famous artist that would be present on the ship and they would also perform.The artist wasnt there, so therefore I entered a claim XX/XX/XXXX with my bank for services not rendered. I personally went to my bank and presented evidence. I called periodically regarding my claim and each representative gave me a different time frame for my claim to be resolved ( XXXX days ) I was advised that if they could not receive a response from the merchant, I would receive my money back. Each time I called, the merchant had never responded. Today XX/XX/XXXX I called and they advised me that they closed the claim because XXXX has a 60 day time frame. But the time frame for services not rendered was immediate after the dated service, inwhich was XX/XX/XXXX. The date was also on the provided evidence. Not only that, I didnt make a visa transaction and visa is not the merchant but the cruise line is. They were so called able to reach the other merchant on my other claim so they gave me the money back for that one because it was a low amount im assuming. But on this one, the merchant wouldnt respond so the found an excuse that doesnt apply under a services not rendered claim. Both claims were entered at the same time and for the same reason.The the excuse they found should would have applied to both claims instantly. The excuse they found after making me wait 3 months to not pay me is worse than fraud and is pure deceit. Nothing was given to me on credit, I paid my money. The last representative stated I can just file a police report against XXXX. She also stated she would have a branch manager to call me, and i never heard from them.Again, this is NOT A VISA TRANSACTION and VISA is not the merchant that took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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:
I am a victim of identity theft. I reported the theft of my identity to both the Police and Federal Trade Commission

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 2020-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Started month of XXXX a late payment all the way up to Month of XXXX. Advised was in hospital XXXX with XXXX and XXXX   discharged XX/XX/XXXX. Spoke w/Capone same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with Capone my credit report was reporting delinquent. 
Capone every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for capital one accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with capital one. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: NV
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 AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHT UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHT NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS KISTED BELOW BE REMOVE BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRIITEN PERMISSION TO FURNISH THESE ACCOUNTS. 

ACCOUNTS : XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: OK
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:
Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open 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 2022-08-04
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NCS collection vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with XXXX XXXX XXXX has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: MONEY SOURCE, INC., THE
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For about a year The Money Source TMS keeps showing unrealistic amount due. Ive emailed and called them and thy say that im not behind but the monthly statements shows : XXXX statement {$4000.00} XXXX statement showes {$2900.00} XXXX statement {$2900.00} XXXX statement {$1800.00} XXXX statement {$1800.00} All of this time im making my payments before the XXXX of each month and have XXXX been charged a late fee. 

Acct number XXXX THE MONEY SOURCE XXXX XXXX XXXX XXXX TX XXXX CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 I attempted to access my brokerage account to manage, was denied access both mobile and online via desktop, contacted via phone. Call 's were disconnected and no customer service or explanation was provided. I am also considered a " preferred client '' with this financial provider. Unacceptable.

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 2020-08-14
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: Account information incorrect

Complaint:
I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all XXXX credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.

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 2016-04-16
Company: American Credit Acceptance, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: United PanAm Financial Corp.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
United Auto Credit ( XXXX ) contacted my cell phone ( XXXX ) 14 times between XX/XX/XXXX and XX/XX/XXXX with a total of 14 calls. I have never done business with U.A.C. nor do I owe ANYONE money and have no idea why they were harassing me. 
I contacted them on their " contact page '' and also had an attorney contact them and received no response. 
This is there Nevada license info if you find it helpful. 
XXXX The calls are always a recording that only states a " business matter for XXXX XXXX '' but not who they are and no way to opt out. I have no idea who XXXX XXXX is. 
I have a photo album of all calls and some notes if that would be helpful. 

Thanks,

Company response to consumer: Closed