BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An account with KIA MOTORS FINANCIAL is showing on my credit report for an account I had with XXXX. I sent letters certified mail to both of these dealerships. XXXX responded and sent me the check proof they sent to KIA MOTORS FINANCIAL that was CASHED by them on MY BEHALF for MY ACCOUNT. ACCOUNT NUMBER XXXX which you can see on the check and on my credit report which is attached. KIA MOTORS has been very negligent and has failed to respond or remove this inaccurate account from my credit report. They sent this account to collections hurting my consumer profile which hurt my ability to get credit elsewhere for THEIR NEGLIGENCE. I requested the account record of all transactions and proof that this company did not receive the check and have no received anything for the past year. They are committing fraud by reporting this information. Please investigate this and remove it from my credit report immediately I have attached all the proof. My credit report, the CASHED check along with my identifications.

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 2020-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Dear the " '' governor '' ''. I am **XXXX  XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX ****ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Applied Data Finance, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I notified PERSONIFY FINANCIAL with a cease and desist notice by post mail. However, the post office returned the notice back as undeliverable. The only information I have for this institution is the information XXXX is reporting on my consumer report. I am notifying PERSONIFY to provide me with verification of this alleged debt and that they cease any and all collection efforts as well as any communication in regards to this debt to any and all mediums including XXXX. XXXX has NEVER had my direct consent to publish this information on my consumer report and is currently harming my reputation. PERSONIFY has also attempted to sell this alleged debt to a third party by the name of XXXX XXXX. I have also served XXXX XXXX with a cease and desist. I am holding each of these institutions equally responsible for the infringement of my consumer rights and demand that they be held accountable for their violations. I am demanding that until they can provide me with documentary evidence for this alleged debt they delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TCF NATIONAL BANK
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
THIS IS AN RV LOAN : Here is an example of what I have been going through. I have emailed them through their website and through regular email. The wait times on calling is about an hour or more ( this is why I emailed XXXX. I also messaged them through XXXX messenger and this issue is still not resolved. 
First message from XXXX : My issue is this My loan payment is XXXX. I pay XXXX each month. I sent a document that shows I want XXXX paid on the loan ( this includes interest ). I want XXXX applied directly to the principal. In theory, I should be paying less interest each month, this has not been the case. The XXXX was applied to the loan and it shows next month I owe less than XXXX. This tells me the XXXX wasnt applied to the principal. I called and was on hold for 45 minutes. I did speak to a rep and was told It does not need to be broken out like it was in the past ( like the document I submitted ). Your systems automatically applies the XXXX to the principal. I have not seen that happen yet. My phone number is XXXX. If what was told is true, you can respond to this message. However, I still have a hard time believing it is being accounted for correctly at this rate your system will show that I wont owe any payments in two months and beyond. 

Second message in an email directly in XXXX : I am having a hard time understanding how I can be paying more interest in XXXX than I did in XXXX. I am paying XXXX more per month on the principal. It would seem like the interest would NEVER increase. I have asked that the XXXX gets applied to the principal ( not as a lump sum with the payment ), if the interest increases than that amount isn't being applied to the principal. I am LIVID. I keep trying to get this straightened out and can't get an answer. The interest should NOT increase, I am paying XXXX more per month to get this paid off. If you could give me a direct number that might help too. I want this to go back to the document I signed. XXXX for principal and interest and XXXX to the principal. I am so frustrated and I want someone to look at this account and explain how the interest can EVER go up when I am paying XXXX more each month on the principal. I do not want next months payment amount reduced, I want the payment of XXXX ( principal and interest ) and XXXX applied directly to the principal. I would understand if I was just paying the normal payment because 30 days in XXXX versus 31 in XXXX, however, I paid XXXX more! My interest payment should not increase because I am paying more than required on the principal. If you look at XXXX and XXXX was done correctly, then I increased the amount to the XXXX additional. I have been paying more in interest than I did last year when I was paying XXXX more per month. I want this fixed and applied to the loan. This is fraud. I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include Equifax, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place onXX/XX/XXXX at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Monday, XX/XX/XXXX I received a letter from XXXX stating that they will be closing my business account and that I have until XX/XX/XXXX to make arrangements to transfer funds, etc. I called the corporate office and no one could tell me a reason as to why they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.

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 2016-12-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I HOLD AN ACCOUNT AND DEBIT CARD WITH SANTANDER. ON XX/XX/XXXX2016 THEY BLOCKED MY CARD WITHOUT NOTIFYING ME AND WITHOUT SPEAKING TO ME. 2 DAYS BEFORE XXXX I GO TO THE STORE AND MY CARD IS DECLINED. I AM EMBARRASED. I CALLED THE BANK AND I WAS TOLD THAT MY CARD WAS CLOSED AND THEY ALREADY SENT ME A NEW XXXX. HOW CAN SOMEBODY TAKE MY MONEY AND MY CARD WITHOUT MY KNOWLEDGE. AM I LIVING IN COMUNIST COUNTRY? OR COUNTRY OF FREEDOM. I CAME HERE FROM XXXX AND GREW UP IN XXXX AND WE DIDNT HAVE TOO MANY RIGHTS. NOW SANTANDER CAN DECIDE WHAT IS GOOD FOR ME WITHOUT ME AGREEING. THEY VIOLATED MY RIGHT. WHAT IF I WAS OUT OF THE COUNTRY AND I HAD NO OTHER CARD???? I WANT TO USE MY MONEY WHENEVER I WANT AND I DO N'T WANT SANTANDER TO DECIDED FOR ME. I AM STUCK 2 DAYS BEFORE XXXX WITHOUT MONEY. I DO N'T HAVE TIME TO GO TO THE BANK. I WORK AND IT 'S BUSY AT THIS TIME OF THE YEAR. I HAVE BEEN TAKEN MY RIGHT TO CHOOSE AWAY FROM ME I CA N'T DO WHAT I WANT TO DO WITH MY CARD AND MY MONEY. THEY BLOCKED AN ACCESS TO MY MONEY. I FEEL VIOLATED AND I FEEL LIKE I HAVE NO RIGHTS WHATSOEVER IN THE EYES OF SANTANDER BANK. THIS IS ALSO UNAUTHORIZED CARD USE!!!!! I DID N'T AUTHORIZE THEM TO TOUCH MY CARD

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
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MI
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 was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: MI
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 was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed

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 2016-04-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
XXXX XX/XX/19 refuses to credit the duplicate charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
First and foremost, these accounts are hindering me from obtaining my veteran home loan because it appears I still owe the government, when in fact, I dont. I've made several attempts to dispute the XXXX accounts and the inaccurate information that's being placed on my credit report. The accounts with XXXX are still reporting as 120 days late, but like I've stated and disputed before, these accounts are closed paid accounts with a XXXX balance. The accounts are CLOSED, and they are PAID OFF, and they have a XXXX balance. So how I can be 120 days late under those circumstances. Furthermore, how can I be 120 days late, if I was never 30, 60, and 90 days late, which is clearly shown in the two year payment history section of my credit report. And in response to my last dispute, the credit bureau stated that these accounts were properly investigated, but how can that be if they're still reporting clear and factual inaccurate information. Surely this is grounds for removal. Even more, i feel my rights have been violated under 15 U.S.C 1681s-2 ( A ) ( 1 ) which states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And I have proven that. I've attached clear and undisputable proof to back up my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: PA
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 contacted Equifax to advise them of unauthorized inquiries on my account. I disputed t he inquiries over the phone and received no resolution from Equifax. 

The inquires are : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: STERLING JEWELERS, INC.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation