BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: NY
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 called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2020-10-06
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I choose to extend my lease & made several attempts calling Kia because I never received the extended lease contract. They have it in their notes. I know this because I was on the phone with one of their reps for an hour on Thursday XX/XX/20 & she told me plus my phone records match. She was very helpful that day trying to get my problem resolved because no previous reps took it seriously. She said she spoke to her supervisor because I'm not able to speak to them. She also said that she made sure to include my previous problems in her notes. I also spoke to the the collection department ( I've never made a late payment or missed one ) but because of this contract my payments were not going towards my loan. I was told that day by the collection dept there was not an order for a tow that it takes a few days after an order goes in & once the contract was signed everything will be ok. My co-signer & I received the contracts on XX/XX/20 we both signed them but my car was still towed that day. I called Kia immediately, he was extremely rude & told me there was nothing he could do & refused to get a supervisor. He even refused to read the notes. He told me to call tomorrow. I did get a much nicer rep & an apology because she read my notes but all her supervisor said was " good news '' we'll release your car but you have to pay {$420.00}. I also had to pay {$15.00} to the sheriff 's dept & {$45.00} to the tow yard. I kept trying to call Kia from to tow yard but they kept hanging up on me once they picked up. This is very frustrating, how can they take advantage of people. We don't have extra money to just give away. Especially during hard times like this. I was told at the tow yard I was not the only one this happened too & reading XXXX today for the first time it's scary how they get away with it. This is unacceptable. They caused me more stress.

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 2020-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX i am currently a member of the XXXX XXXX. XXXX of 2019 i was suddenly XXXX which left me no time to contact my current creditors to notify them therefore i was reported late by CREDIT ACCEPTANCE CORPORATION for multiple months which has killed my credit score. I am about to come home soon and my plan is to purchase a home but this is hindering me. It was not by choice that i was suddenly XXXX. If these late pays can be corrected to paid on time never late that would really help me out. I have tried to dispute this with the credit bureaus and the original creditor which came back verified or validated..I am not an expert in credit so i do not know what else to do than to place a complaint with the CFPB. I hear the state attorney general is the next step. I do not want to cause issues for CREDIT ACCEPTANCE CORPORATION, I just want this corrected. thank You I have attached a copy of my report for reference on all the late payments they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called this Comdata customer service regarding my current balance. I had a balance of {$2600.00}, and it appears as a balance of 0 right now. I spoke with a Spanish customer service representative at XXXX pm, who advised me that the company I used to work for was the one that made the withdrawal which I found to be odd because they do not have that permission. My wife tried to call again to request evidence of this withdrawal, and this representative was answering the call and acting as if he didn't hear my wife and remained silent. My wife then called again from her number and tried with the English line at XXXX pm because we thought the previous representative knew my number and wouldn't assist us ( sketchy ), and a representative named XXXX assisted her with me by her side. My wife asked for an email with the evidence ( statement ) showing that the XXXX XXXX was indeed the one that made the withdrawal and provided her email. An hour passed, and there was no email with this evidence ( statement ), my wife called again to request the statement copy, and someone answered and remained silent again ( suspicious ). I believe this is a big fraud and that this company stole this money from my account because it is super sketchy that they do not answer or remain silent after we speak about the issue. I believe that they thought I forgot about this account/card or something because the last time I used it was when I was in my XXXX in XXXX XXXX. This money is from hours of hard work, and it is not fair that they took it ; if this is not resolved, I will sue this company, and if I have to take it to the last of consequences, I will. This upcoming Tuesday, I will speak to a lawyer because this is unacceptable and a big fraud. Is very suspicious of how the employees are acting and this company. I have never had any issues with any card that they take my money and then pass the ball or accuse another company that does not have access to make any transactions on my 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 2015-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX. I am the sole creator and owner of the monetary instrument Promissory Note used for the referenced property and account. I asked Select Portfolio Servicing, Inc. to return my property to me and they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I wrote this letter to complain about Trans Union for not following the Fair Credit Reporting Act guidelines. 
As I was browsing through my Trans Union credit report, I discovered that a credit collection agency by the name of XXXX XXXX XXXX reported me to Trans Union. The same debt is also reported by another credit collection agency known as XXXX. Trans Union never questions as to why the XXXX collection agencies reported me for XXXX debt that I had with XXXX XXXX Electric and Gas, or XXXX XXXX XXXX NJ. With that, I believe that Trans Union fails to follow the proper guidelines pertaining to the Fair Credit Reporting Act. Then recently, the same debt was reported to Trans Union by another credit collection under the name of XXXX XXXX XXXX. 
All XXXX agencies are now on my credit report with the same XXXX debt. I am asking that Trans Union does what it has to do to rectify the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} TransUnion : XXXX XXXX XXXX XXXX Balance Owed : {$430.00}

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 2022-05-30
Company: EQUIFAX, INC.
State: WA
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:
N accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -CXXXX XXXX XXXX, account XXXX XXXX XXXX XXXXXXXX account # XXXX -XXXX account # XXXX -XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXXXXXX XXXX. account # XXXX -XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two accounts on my credit report from MIDLAND FUNDING LLC, one account XXXX, and the other account XXXX. These were unauthorized accounts opened. I did not open these account. I have 0 knowledge of them. Its states one was opened XX/XX/XXXX and the other XX/XX/XXXX. I did not open an account in XX/XX/XXXX. I have tried disputing these via credit bureau debt validation. They never respond via mail. They keep reporting on my credit these account are past due and they are not. This is grounds for violation. Not to mention I have lived in Texas since XX/XX/XXXX years. Statue of limitations in Texas is 4 years. Therefore Midland Funding is violating the Fair Debt Collection Practices Act. In XX/XX/XXXX, this company attempted to sue me for a debt in another state. This needs to end. They do not validate their debt, I have never owned them or whom they represent. I would appreciate this accounts with balances of {$950.00} and {$530.00} to be removed permanently from my credit report. This is unlawful and it causes me stress knowing they keep doing this when its unauthorized Accounts. These account are past statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Convenience checks

Complaint:
Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.

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 2022-05-30
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX  XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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 status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$430.00} Equifax XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX : XXXX XXXX  XXXX XXXX Balance Owed : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has refused to postpone sale while actively reviewing this file for loss mitigation options which is a violation of Reg X/RESPA guidelines and Dual Tracking. the lender is also not allowing for an appeal period after the decision is made regarding the review - if denied.

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 2016-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Transunion Keeps putting 90 Day Initial Alerts on my credit profile without my permission. They keep doing this because I am sending Validation Letters ( not disputing ) but asking them to provide physical proof that what they are reporting meets FCRA guidelines, meaning the information is Accurate, Complete and Verifiable. They have been unable to do so and instead of doing their job they just keep putting these alerts on my file to make it hard for me to apply for credit. Lets face facts, the law that is on the books that is supposed to govern the credit bureaus is not working. They are breaking the law, not doing as they are required and when myself a consumer asks them to provide proof or remove an item they get mad and whine like little babies and put these alerts on my file. I am tired of this. This is the 3rd time this has happened and I will file these complaints every time to make these guys stop doing this. Just do your job, stop abusing the law and stop telling me that I have to provide proof from the original creditor. I am not the one that is reporting the information so the burden of proof is on you as a company.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.

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 2015-08-31
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
GRLoans runs a commercial that advertises an interest rate of XXXX apr. However, the ad never states the term for the advertised rate. This practice need to stop. It is unfair to every other lender in the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Clarity Services
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i applied for an auto loan and i received the attached letter of denial. they listed a number of places where they got " my scores '' ..Clarity is one of them. They information they say are the reasons why I " might have been denied '' by the lender. Ive uploaded the document for you to see. The main reason they have the wrong information is because each credit agency is different ie XXXX, XXXX and XXXX. I also uploaded a document from XXXX with " final results '' of an investigation on an account that was made by someone else. I included the original document from XXXX/XXXX that clearly states that my information was hacked and used. After 45 days of investigating XXXX sent me my results ( uploaded ) and stated the they will contact XXXX and XXXX ... They didnt. Those XXXX accounts are still on those later credit reports along with old address information that has clearly affected my approval for a loan. Listed on Claritys letter they state that they couldnt verify my identity and that my address couldnt be verified and that its not my primary address!! How is that so when i 've lived there for almost 3 years. The DMV, CA State Registry of Voters, Social Security and my XXXX bank account at different banks all have my correct address. But the XXXX Credit Reporting agencies do not. Please fix this problem. It has negatively impacted my ability to get an auto loan so i can get work so I can get off of govt benefits!

Company response to consumer: Closed