BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On XX/XX/2019 I purchased a new Tesla  via Tesla Financing. I signed paperwork and took the car. Weeks later I was told they had an issue with the application. I found out they had lost my data. After many emails, long wait times, Tesla disabling my key when I needed it to drive, and other issues, it took them 2 months to resolve the issue only partially. I am a very well qualified buyer so there is no issue on my end. 

My temporary plates expire in less than two weeks and Tesla will not help me in finding a solution. They are not writing or calling me back. 

They do not communicate properly and in a timely manner with their customers. This negligence should not come without consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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:
Transunion verified   XXXX   XXXX   XXXX   account  XXXX *** and   XXXX   XXXX   XXXX   account  XXXX **** on  XX/XX/XXXX /2017.  XXXX   XXXX   XXXX   is a collector for   XXXX   XXXX   XXXX   XXXX   the hospital closest to my home.I am a   XXXX   XXXX   XXXX   VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an emergency, we can go anywhere.I thought I was having a   XXXX   XXXX   with all the symptoms of one.I was on the phone to VA staff explaining my situation, they told me to call  XXXX .An ambulance was called and transported me to  XXXX .When there I told them I had VA benefits.YOU MUST DELETE THIS ACCOUNT ACCORDING TO LAW.
  XXXX   XXXX   XXXX  , collecting for   XXXX   XXXX  , THE ORIGINAL CREDITOR ... ... Some time ago I visited a   XXXX   Store at   XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA.I was defrauded by two store salespeople who had an intent to defraud me.
They sold me a plan of unlimited usage at   XXXX   dollars per month which I was happy with.
When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill because what I received was not anything close to what I ordered with the two salespersons.You must delete this item as you have not only committed fraud but damaged my credit standing 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 2020-03-01
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2020 I received an alert that my care credit/synchrony bank credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on transunion but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Because I had previously disputed XXXX XXXX XXXX, the credit report agencies wouldn't allow me to do another dispute. I called XXXX XXXX and inquired why wasn't my payments been report to the credit agencies since XX/XX/2022 and I was advise by the mortgage company they have been reporting to the credit report agencies as last as XX/XX/2022, which my credit report do not show the updates. 

I'm unable to apply for a new mortgage until this information is updated on my credit report to show I have been making timely payments for a least a year. 

Information should be updated timely on the credit report when it reported, if it was negative information it would be report timely.

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 2022-04-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act the following companies have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my  XXXX , Experian and  XXXX  credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will mak e the corrections for about seven days and then automatic report the incorrect information agin.

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 2017-06-09
Company: HYUNDAI CAPITAL AMERICA
State: NC
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:
Hyuandi Motor Finance is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my   XXXX   XXXX   XXXX   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections for about seven days and then automatic report the incorrect information agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The XXXX XXXX XXXX XXXX for MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got a vehicle lease at Kia Motors about a year ago. Payments are constantly a hassle. The finance department failed to record and/or acknowledge payments at least three times within about a year and it was always up to us to provide records or copies of cancelled checks ; the finance department appears messy and disorganized. 
Calling their customer service is unpleasant and lengthy, their so called customer service acts as an aggressive collector more than a customer service department. On or about XX/XX/2022, I mailed a check to the same billing address we always have, the check was cashed on XX/XX/2022 but the company claims it never received it. 

A document mailed through the USPS to the correct address is presumed received by law so the moment I mailed it to the correct address my obligation has been fulfilled and it ceased to be my problem whatever happened after it was received, but as usual this company 's disorganization was made my problem not theirs and the account was reported to the credit bureaus in collections and my credit score went down almost XXXX points. 
I contacted Kia as well as their Legal department to no avail. I decided to pay again just to fix my credit score but this should not stay this way.

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 2020-01-31
Company: EQUIFAX, INC.
State: MD
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 sent a certified letter to this credit bureau requesting verification of how they verified these creditors XXXX XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX , US DEPARTMENT OF EDUCATION , US DEPARTMENT OF EDUCATION , XXXX XXXX, and XXXX XXXX. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC is charging late fees that are not applicable. They are charging these late fees almost weeks later than they should be. They are posting atm deposits days after they are deposited and are posting it so they are charging multiple late fees. PNC has admitted they have done this and are doing nothing to fix their errors. This is very dangerous territory for a bank to asses late fees due to their ineptness. I have had many issues with PNC and their errors causing late fees assessed to My acccount. Many time their atms do not work, they do not allow customers to access or deposit money. But they will gladly charge them fees. Not only is this harassment, PNC should be throughly audited for their actions.

Pnc is trying to charge me fees because I want to close me account. This is retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: SC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABR Recovery Services LLC has illegally tried to re-age my account. ABR claims that my account was opened on XX/XX/XXXX, when in fact it was opened XX/XX/XXXX as proof by the ATTACHED LETTER BY XXXX for them to READ once again. They also claim this was charged off XX/XX/XXXX which is also incorrect as stated by the original creditor, XXXX. The letter has been attached to this complaint and has been sent to them. The account date of 1st delinquency was XX/XX/XXXX. The credit bureaus maximum reporting time is 7 1/2 years from that date as explained by XXXX. That would put this account well past the statue of limitations on reporting this account on my file. This account was not charged off by XXXX XX/XX/XXXX as ABR Recovery Services has falsely claimed. Their information is either incorrect or they are knowingly trying to re-age my account to try to collect a debt I am no longer liable for. 
ABR RECOVERY SERVICES, PLEASE READ THE ATTACHED LETTER BY XXXX PROVING THAT THIS ACCOUNT IS PAST THE AMOUNT OF TIME IT IS ALLOWED TO BE REPORTED TO XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2020-03-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I viewed my credit report from Experian. Having recently gone through a foreclosure im considering bankruptcy to relieve me from the judgement granted against me in favor of the mortgage lender. The mortgage was executed in XX/XX/XXXX but no payments are reported until XX/XX/XXXX. The mortgage lender refuses to offer any explanation or any comments at all. The attorney for the lender and who filed the foreclosure does not acknowledge my questions either. I'd like to get a truthful answer because it's hurt my credit long before the foreclosure happened. Four years of on time payments not being scored and recorded has handicapped my ability to use or grow my credit and forced me to lose options while I was completely unaware. The date the mortgage began to appear on my report is coincidentally the same as my husband at the time stopped paying the lender and informed them he was walking away from the house. At this time the lender pursued me for obligations to keep foreclosure prevented. Being divorced in XXXX I didn't expect to be held responsible for the house my ex husband kept and agreed to finance in a new loan. I have serious doubts that things are as im told to believe but to date I can't get any clear answers.

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 2021-05-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased furniture from XXXX XXXX XXXX in XXXX. I agreed to pay $ XXXX thru Synchrony bank for the cost of my purchase. I was told that the due date is the XXXX of each month. I have XXXX XXXX  records that I've paid as agreed. 

I was NOT told that a payment made prior to the XXXX of each month would be credited as a payment for the PREVIOUS month. XXXX is claiming that I have past due balances because my EARLY payments were credited as payments for the previous month. 

In a phone call between XXXX, myself, and a female in the XXXX accounting dept., the XXXX person explained why their system shows an erroneous past due balance. She said XXXX would erase/cancel the past due claims and advised me to just be sure I paid AFTER the XXXX of each month. 
I thought the issue was resolved, but XXXX is STILL making collection calls about this ERRONEOUS past due balance. My credit score has taken a big hit, and XXXX is the reason why. Please 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 monetary relief
Consumer complaint received 2020-03-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting collection letters from Convergent Outsourcing ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, WA. XXXX ). It is for a energy bill {$460.00} for XXXX XXXX company in Texas. I have lived in California for the last 27 yrs I have never lived in Texas or owed any property in Texas. I have no relatives that live in Texas. 
I can prove my husband and I have had XXXX XXXX   XXXX for the past 27 yrs. 
All of our utility bills are in my husbands name and always has been. Before living in Calif for the past 27 yrs we were in the XXXX XXXX again never lived in Texas. I do not believe my id has been stolen because this is the only problem I have ever had. Last yr I wrote to the credit agency that had Convergent on my credit report to say this is not my debt I thought it was cleared up did not hear from Convergent until 3 weeks ago wanting me to pay again.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being out on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the Theft Affidavit. I am a mother XXXX XXXXXXXX and I would like to get a home for my family and I but its been hard because of these. I would appreciate it if you guys would take care of this immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.

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