BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( XXXX, XXXX and Transunion ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

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 2016-04-08
Company: Big Picture Loans, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for the loan but was unable to access the information about fees and the exact rate of interest. I have paid over {$1200.00} already for a {$1000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: VW Credit
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Mortgage held by Atlantic Pacific Mortgage Corp. was paid in full XX/XX/XXXX, but Deed of Trust was never released. This was discovered XX/XX/XXXX, when processing a refinancing transaction. Despite numerous telephone calls, emails and a demand letter sent via certified mail, the Deed of Trust still has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following items are found to be erroneous in my credit report. I would like to seek your help to have these items blocked from reporting in my credit report. All the accounts listed below were closed and fully paid to the creditors but the Bureaus kept on reporting the same accounts without supporting documents submitted to me. Besides, they have failed to contact me about the issue which I have already addressed to them in my previous letters. Have these items removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-06
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hyundai motor finance charged me the sales tax as part of the lease end buy out payment and are not issuing me any receipt for the tax. This makes me to pay sales tax again. 

I have been calling them for a month and they keep saying they sent request to back office and the only option. was told is to call back after 5-8 business days. 




With no hope with XXXX, trying to see if I can get help.

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 2016-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
I received communication from equifax giving me a number to call or a website to contact to limit sharing of some of my personal information. The website links were outdated apparently as I could not access the link to opt out of sharing. I made several phone calls to the number given in the communication and was told a menu would prompt me thru the choices. My only choice was to wait for a rep and got a message stating that the hold time was extremely long at this time. I have been able to easily limit sharing thru communications sent to me by banks etc. over the phone very quickly. What gives with XXXX? It seems I must now mail the info in and hope that they follow my instruction. This is not acceptable to me as I have no way to verify that my wished have been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CURO Intermediate Holdings
State: FL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates has been pulling my credit report every 2 days for the past year and a half. I have never given them permission to pull my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I filed a complaint on Toyota Motor for reporting inaccurate payment information on my credit and dropping my scores tremendously and defaming my character. They answered untruly and I am not able to log in to provide proof from my bank showing that I was not 30, 60, 90 or 120 days late on my payments nor did any of my checks get returned unpaid. 
Toyota removed 3 of the late payments but reported them as unknown. I made my payments and they need to report it. Please help me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I tried using the card at the end of XXXX, would not let me make a purchase. I tried getting money out of an ATM, it wouldnt work. I spent two hours on the phone to be told my account was permanently suspended because I had broke title 15d of their contract. I asked what that was, she told me I would have to write them a request for the answer. I couldnt use the Amex Serve app. I was locked out. My phone was telling me I still had XXXX, this was an email I received daily and then it showed 0 two days later. I waited ten days for a refund check, nothing. Two days ago I received an email saying I had XXXX, so I tried to get on the app, it finally let me on, I looked at my transactions and it said withdrawal by check on XX/XX/XXXX, and then check reversal on XX/XX/XXXX for {$380.00}. This happened while I couldnt get on the app. Unfortunately my paycheck was to go to another card, and I found that it ended up on Amex Serve card that I cant use. I have photos of the transactions on my phone, and video of the the check reversal, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: CO
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:
Last XXXX I filed a claim against XXXX XXXX  for doing a hard inquiry instead of a soft and giving me credit that I didn't ask for. This involved a dishonest Plumbing and Heating Service that tried to con me into replacing my entire HVAC system, over $ 14K, promoting a 0 % interest rate. Turns out, there was nothing wrong with my HVAC. Meanwhile, with your help I was able to get XXXX XXXX  to agree to fix this. To that end they sent me a letter claiming they had corrected this with all the national credit reporting burueaus. Meanwhile, since then, every time I have checked with Experian, my main credit bureu, they still have my credit dinged with the " hard inquiry '' from XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company I had re-reported to CFPB as I recall, some months ago, but nothing came of it. I assumed there was a delay and gave XXXX XXXX  and Experian the benefit of the doubt. But now, over 6 months later it is still not fixed. My attempts to contact Experian directly have been to no avail. I have even shared the letter from XXXX XXXX  ( included as an attachment ) to no avail.

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 2016-06-24
Company: Big Picture Loans, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with Big Picture Loans on XXXX/XXXX/2016 in the amount of {$500.00}. I did n't fully understand the terms of the loan at the time. I 've now learned the interest on my loan is 910 %. On the original loan of {$500.00} I now owe {$3200.00} including interest ( {$2700.00} ). There is no way I can pay this. I 've already paid Big Picture {$520.00} 0n my loan. Another payment of {$170.00} is scheduled to be deducted from my checking account on XXXX/XXXX/2016 This seems illegal to charge 910 % interest. I 'm having trouble buying groceries, paying rent, and living because of this situation. I 'm in a trap I 'm never getting out of I feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I originally called Portfolio Recovery on XXXX XXXX, my name was not on their name search for outstanding loans, the agent then hung up and said nothing else. The XXXX phone number kept on calling me ; XXXX & XXXX starting XXXX XXXX, 2015. It has been three weeks on continually calling my phone number at XXXX XXXX each day and they do not leave an voice message. I am on the Federal No call list, I told the rep today and she did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a cashiers check for {$2900.00} at Bank of America ( BoA ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called BoA and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. BoA informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed BoA of this fact. Also, BoA informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a " mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or BoA to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my BoA checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In a discussion regarding repayment, my processor will not allow me to apply additional payment to my principal balance ( s ). They said even if I specify, they will apply to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number 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 explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Step 1  : What is this complaint about? 

My credit report is showing that I have debt collection for the amount of {$230.00}, from my former XXXX   provider for service on XX/XX/2017, which is incorrect. 

Step 2 : What type of problem are you having? 

My former XXXX  provider, XXXX, is trying to charge me for a service that has already been paid by my XXXX  insurance carrier. Never was I a cash-paying customer. At the time of service, no one asked me for payment nor did anyone tell me that I had a balance of {$230.00}. My insurance information was already on file in their system. 

Step 3 : What happened? 

My former XXXX  provider reported me to a collection agency for a routine office that was covered by my XXXX  insurance carrier. I paid the co-pay in cash and never was I asked to pay for anything else. 

Step 4 : What company is this complaint about? 
XXXX  who has reported me to the debt collection agency, Capital Accounts. 

Step 5 : Who are the people involved? 
Myself, XXXX and the debt collection agency, Capital Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Velocity Portfolio Group
State: MO
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:
XXXX XXXX and XXXX XXXX allowed someone to apply for a loan while my credit was frozen at the credit bureaus due to existing fraudulent transactions. Velocity Investments purchased this loan and notified me via phone and through the mail months after the debt was sold. XXXX won't take the fraudulent loan back and Velocity Investments wants me to pay the loan back stating that I have no rights for arbitration, disputes, and I am unable to seek punitive damages based upon an agreement I never signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I would like to file a formal complaint against XXXX/Navient Corp. I have a federal student loan that has been serviced by Navient Corp. since XX/XX/XXXX when I was attending XXXX XXXX XXXX, in XXXX, XXXX. In XX/XX/XXXX my loan went into default. At the time of the default, Navient Corp. sold my loan to XXXX XXXX XXXX XXXX ( XXXX ). XXXX attempted to collect the debt from me, through a " loan recovery '' plan, through a company called XXXX XXXX. I signed up with XXXX to get this loan back into good standing and completed the program on XX/XX/XXXX ( according to XXXX XXXX ). At this time my loan was sent back to XXXX, which intern sold it back, or gave it back, or transferred it back to Navient Corp as of XX/XX/XXXX ( according to XXXX ). When I signed up with XXXX, they recorded all of my information, phone number, SSN, birth date, and ADDRESS at the time. All of this information was sent back to XXXX, and than on to Navient. As of XX/XX/XXXX I have moved, 1 time, in XX/XX/XXXX. Before that time I resided at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. Not 1 time between XX/XX/XXXX to XX/XX/XXXX did I receive ANY information regarding my federal loan from Navient Corp. All the while I was under the impression my federal loan was in good standing, being that I have been making payment on my PRIVATE loan, which is also serviced by Navient . On Friday, XX/XX/XXXX, I received a notice in the mail from the Department of Treasury, stating that my Federal Tax return was being sent to XXXX due to a defaulted Federal Student Loan, which had been serviced by Navient. For just about 2 years, Navient had not tried to get into contact with me about my federal student loan, all the while having my correct address. Navient was using an incorrect address to send correspondence to me regarding my student loan, therefore the loan went into default, at no fault of my own. Navient has had all my correct information since XX/XX/XXXX, up until I moved in XX/XX/XXXX. Being that I have a private student loan through Navient, and had I been sent the information on my federal student loan, I would have been able to make payments on my federal student loan, and I would not be in this situation. Due to the lack of professionalism by Navient Corp. my loan went into default, and now {$7600.00}, which is my entire Federal tax return, has been sent to XXXX to help pay down the {$10000.00} I owe in Federal student loans. I want this money returned to me ( {$7600.00} ), and ALL my debts with Naivent Corporation settled to {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor, Toyota Financial, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation