BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

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 2017-09-05
Company: Complete Collection Services, Inc.
State: WV
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:
In XX/XX/XXXX-XX/XX/XXXX, my XXXX daughter, XXXX XXXX, had XXXX at XXXX XXXX hospital. She had XXXX  XXXX, but they did not have a specialist available to do her XXXX. Prior to the XXXX, I confirmed that XXXX would cover the costs with the doctor. After the XXXX, we began receiving bills from XXXX XXXX. Apparently, the doctor and hospital room costs were covered, but not the XXXX ( whatever that was for ).  Under the law, you have to tell patients what is not covered prior toXXXX and they have to agree to pay it. This did not happen. Instead, this account has been report to Complete Collection Service, XXXX. XXXX XXXX, XXXX, VA XXXX. The collection agency has reported this account to the credit bureaus. I disputed the account, but XXXX has decided that it was reported correctly. I am not responsible for this account because the XXXX did not disclose any charges prior to providing services. This is predatory billing practices. The account numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello I like to file a complaint about Discover Card. 

I received a letter from discover card saying Im pre-approved for a personal loan for {$28000.00}. Next day I called Discover Card and they asked me what the money is for I advised them I was trying to pay off my other high interest credit cards and just have 1 payment every month. They asked me how much I owe I said {$25000.00} then they asked how much I make and I told them {$50000.00} and they said anyone in the house hold I said yes my husband and they asked how much does he make I said {$120000.00} they said I am approved. Then they asked me to send them pay stubs I did. My husband pay stub was showing {$93000.00} but then I called them and said no his XXXX shows {$100000.00} because he gets bonus every year and its {$100000.00} they asked me to send his XXXX so I did, I got a phone call 2 days after that they said sorry you dont qualified. My issue is I didnt want and hard pull on my credit and the agent insured me that its not a hard pull until the loan is approved so here I am with no loan to pay off my other credit card and I have an extra inquiry on my credit report. I asked them to give me a smaller loan they said they are sorry and they cant help me. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have contacted TRANSUNION via phone and mail several times about the account mentioned in the attached letter below. TRANSUNION has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts willfully. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : XXXX INQUIRIES : XXXX - XX/XX/2021 XXXX  - XX/XX/2021

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 2022-07-16
Company: EQUIFAX, INC.
State: SC
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 went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History 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 explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. The company has been manipulating the statue of limitation and reporting C/O every single month on my credit report. 

Its been over 60 days and no one still haunts resolved this issue which to my concern that it should be corrected or deleted. This complaint is for Experian. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} : Been disputing this account for to long not to see any results happening I demand {$1000.00} per violation on my credit report or DELETE the negative account and any other inaccurate negative information you are reporting 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 2018-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Saturday, XX/XX/2018 I handed the teller a withdrawal slip, photo id and my bank card to withdraw {$5800.00} which I have more than 10 times that amount in my account. The teller that was assisting me called over a senior teller to over-ride the amount. The lead teller proceeded to inform me that she was not comfortable making this transaction and denied me my funds stating she would not be able to help me. After repeatedly asking her what was making her uncomfortable with no real reason I have come to the conclusion that my appearance did not quite match my bank account, since I am a XXXX XXXX XXXX male. I asked for a supervisor or manager unfortunately none was on the premises so she needed to call one on the telephone and explained her position. The lead teller refused to assist me with my withdrawal and suggested that I go to another branch to make this transaction preferably one that knows me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: LendUp Loans LLC
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: Information belongs to someone else

Complaint:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received an unsolicited Capital One XXXX credit card bu overnight mail. The cover letter states that the card is activated. I do not want this card and demand that it be immediately " unactivated '' and cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
My Experian account has experienced identity breaches twice, one on XX/XX/XXXX and one on XX/XX/XXXX. Someone beside myself has hacked into my account, changed my account username and password and the answers to my security questions. 

During both events I have called Experian customer service to understand the situation, ask them to provide as much details as possible on who is changing my email, how they changed it and have them please change the account back to my current email address. I have made numerous attempts to Experian with calls and emails, but for most of which the assistance I received were unsatisfactory. 

I believe that the breacher has gotten hold of my social security number and living address. In fear of physical danger and loss of credit accounts that associate my identity as well as other social/reputational threats. I have also filed a police report ( see email attachment ). During my initial contact with Experian I understand that the breacher has done so with malicious personal intent, for the answer to the security question they set to contains a swear word. However, I was not able to find out how they bypassed all the other questions. During my second contact with Experian they asked me to send in my identity documents through physical mail, which I did, but they claimed that they have not received the documents ( see email attachment ) and thus refuse to reset my account. I believe the breacher is the person I have a restraining order against but I can not prove it, and Experian is unwilling to work with me. 

In all events, Experian has shown negligent attitude and provided insufficient response to my request to obtain the event logs on the changes of my account. As a result, I am not able to supply the details to the police and court officer to investigate and help me put the breacher under justice. Experian is also unhelpful in providing reassurance that this type of event is not going to happen for a third time and guidance towards potential identity theft due to these events.

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 2017-06-06
Company: Consumer Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-16
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
I have a XXXX Hyundai XXXX XXXX. I leased the car in New York, and at the end of XXXX I moved to New Jersey. In order to register the vehicle in New Jersey, I need Hyundai Motor Finance to release the lien on the title. Simply, they need to send the title to the DMV so I can register my vehicle in this state. 

First attempt was XX/XX/XXXX. They told me it was processing and would be done in 7-10 days. 

Called back in XXXX. Same thing. I've since been calling almost every 2 weeks since. 

In XXXX, they finally " submitted '' my request. Only to find out in early XXXX that the request to release the title was denied because " the proper sales tax information was not provided ''. This clearly does not make sense, because sales tax was paid at the time of lease signing, and they are the one 's who have the lease in their possession. They are Hyundai Motor Finance. 

A representative from Hyundai told me I needed to resolve this as the DMV. I went to the DMV, and they told me this was nonsense. They would never " reject '' a title, it's not possible as title 's are recieved in the mail. They do not even consider sales tax in the recieving of a title. 

The DMV then provided me with a form to send to HMF, requesting again for the title release. I faxed and emailed the form to HMF. I called 2 weeks later, and they said it was never received.

Finally I got a " specialist '' on the phone who agreed with me the sales tax denial did not make sense, and they told me they submitted the request again with the proper information. But at this point after 6-7 months, I do not have faith this is being handled correctly. 

My New York registration is due to expire on XX/XX/XXXX. I have been waiting 6 months for Hyundai Motor Finance to send the title to my DMV here in New Jersey to register the vehicle. And I am going to have an unregistered vehicle soon because of this.

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 2022-07-16
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It is my job to hold you in compliance with the Fair Credit Reporting Act however it is still my responsibility to make sure every item is reporting accurately so that my credit report is fair and equitable to me, so take notice! Initially I was writing to you to challenge you to verify the validity of the accounts listed below, but then I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following accounts inaccurate! Onemain FinancialXXXX XXXX Pursuant 15 usc 1666d- whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor shall refund any part of the amount remaining credit balance and make good faith effort to refund to the consumer by cash, check or money order.Onemain Financial- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have this huge student loan debt for a degree I never could get a job in. I received the loan from XXXX XXXX we were informed we may get hired at the site we did our hours at. I did not get hired but I never could get a job because I did not have any experience. So now I have this huge debit for a degree I can not use. Or half the credits is not accept at our school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted the credit card company on 3 separate occasions regarding a charge on my card for XXXX XXXX which should have been a credit. The company refused to remove the charges or did an investigation. The reps were rude. The last person spoke to was a male claiming to be XXXX. I requested a supervisor. He kept me on hold for 15 mins. After returning to the call informed that no supervisor was available. He could set up a call for a retutn call in the next 42-76 hrs. Totally unaccountable. Violation of my consumer tight

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 2017-10-17
Company: ID Analytics, Inc.
State: NJ
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 have worked hard to have a decent credit. I am young and the only negative thing in my report is two late payments. I recently got denied a car loan. Received a letter explaining why, apparently a credit rating company that I 've never heard of called XXXX XXXX gives me a rating of XXXX. Their reason " too many delinquencies ''. I 've seen many complaints for this mystery company online but I want to make sure I put my complaint in too, so this company gets taken care of ASAP.

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 2017-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
please find attached the creditors letter for which they have approved to remove the negative mark from my credit report on the capital one account number ending in XXXX from XX/XX/XXXX of 2016. i have already submitted the letter to the bureaus as received. but they have not yet removed per creditors approval please make sure this update occurs thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Security National Automotive Acceptance
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?

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