BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I Leased XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX. shortly after the lease I find myself under a lot of emotional and financial XXXX  as I am now a victim of these theft and vandalism crimes in my area, which are still on the rise for this exact make and model. First date was XXXX XXXX my vehicle was in the area of where I attend XXXX XXXX XXXXXXXX the window was busted in and I had to repair it out of pocket cost {$300.00}. And again rear window was busted into XXXX XXXX another out of pocket cost of {$300.00} for window repairs! There is also damages to the key ignition and steering wheel column which impacts the cars overall function. Repair cost and estimate is still pending at this time. After the first incident I took the car back to XXXX dealer in XXXXXXXX XXXX  and other places to try getting out of this vehicle, I was told my car had depreciated in value to $ XXXX which is ridiculous. now with no where to turn I feel trapped in a vehicle that has caused me already too much XXXX XXXX XXXX XXXXXXXX, I am risking my safety driving in this vehicle, not to mention the fears I have driving and parking it anywhere in an open area only to come to a missing or vandalized car is sickening. These incidents have left me to drive with broken glass, during winter months standing outside having to call police to scene, crying and feeling completely violated. In other recent attempts to trade in I feel undervalued as a customer at these dealerships and as a consumer of a XXXX vehicle. The low trade- in value Im rudely being offered for this vehicle is not fair, I should be able to trade this car in for something of equal value as my purchasing price. I can not afford to think my only option is to just under sell it after only having it for 4months, I want to avoid giving up on this car and ultimately ruining my credit over Hyundais faulty production of older models not installing immobilizers leading to this ridiculous trend of cars being stolen! By reaching out I am wishfully hoping someone can assist me in a better solution!!! For my peace of mind and safety!

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 2023-03-27
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: Information belongs to someone else

Complaint:
This is a follow up CFPB Complaint to request that the Credit Bureaus remove the fraudulent accounts and information off of my Crdit FIle in accordance with the Fair Credit Reporting Act. I sent a letter on XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again. I am in need of the immediate removal of the following items off of my Credit File : XXXX XXXX XXXX XXXX Ct, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXX Unpaid Balance {$200.00} XXXX XXXX XXXX XXXX  Unpaid Balance {$130.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2022. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX  Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired money from my chase account to XXXX XXXX, Account # XXXX for {$25000.00} onXX/XX/XXXX. the bank name was BBVA and changed to PNC XXXX XXXX never received the money so I went to branch with XXXX and I was told that I must recall the wire which I did but my money never been refunded to my account. I contacted my bank and I was given case # XXXX, XXXX After few months, my bank told me that they sent six follow up messages to them between XX/XX/XXXX andXX/XX/XXXX unfortunately we have to close a recall request because the beneficiary bank would not respond to us. Please see attached letter from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-02-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter to Experian regarding previously disputed XXXX XXXX account number****. This account was previously deleted on XX/XX/XXXX ( see attached ). And when I pulled my new consumer report on XX/XX/XXXX, I see that the previously deleted item was reinserted on my consumer report, but I was not notified in writing within 5 business days that it was reinserted back on my consumer report. As of today, it has been over 30+ days later and I have not received a written response yet from Experian. I feel like I'm being taken advantage of and being ignored by the credit disputes. This clearly violates my consumer rights that is protected by FCRA 611 ( A ) ( 5 ) ( B ) ( ii ). Section ( B ) ( ii ) states : Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I demand that this account be DELETED immediately or I will file for ligation due to defamation of character, stress you have caused me and {$1000.00} for each violation that I'm entitled to under 15 U.S.C 1681I.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact, we are only one month behind. In closing, since we submitted our first complaint, we were informed that Nationstar has an " XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is " XXXX to " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX. XX/XX/2022 - Checking account opened with Bank of America XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - {$30000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - Bank of America closed my account and specified that the account balance will be sent by check to me XXXX. XX/XX/2022 - Bank of America said that they have frozen the funds, and refused to release them XXXX. XX/XX/2022 - I visited Bank of America XXXX XXXX IL branch and showed all the documents to the branch manager XXXX. XX/XX/2022 - I submitted a complaint to CFPB in order to recover my funds XXXX. XX/XX/2022 - Bank of America submitted a response to my CFPB complaint - however, my issues remain unresolved XXXX. XX/XX/2022 - I talked to XXXX XXXX XXXX and informed them about Bank of America 's instruction to recall funds. They are unable to recall funds. 
XXXX. XX/XX/2022 - I visited XXXXXXXX XXXX XXXXXXXX branch and showed them Bank of America 's instructions. Despite 90 minutes of discussion with Bank of America XXXX and managers, they were unable to initiate the recall process. 
XXXX. XX/XX/2022 - I tried to contact Bank of America Regulatory Complaints manager in the morning as well as afternoon but was unable to reach her XXXX. XX/XX/2022 - I still have not received my money ( {$50000.00} ), and have to file a new complaint

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 2023-08-04
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: 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 how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: Financial Business and Consumer Solutions.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Abusive language saying i have to hurry and pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whom this concerns, My name is XXXX XXXX. I am looking to file a dispute with you for a transaction that was filed threw the XXXX app. The dispute case number is XXXX. This first charge was charging me XXXX threw XXXX for bit coin and on this email that was sent to me was a number that you use to call to let them know that this transaction was not you. When calling that number, they stated that they want to have transfer money to my partner. This transaction was for the sum of {$4.00} and some change. I will be sending this information to you XXXX XXXX and XXXX. While on this call with this so-called representative my partner came home to help try to resolve this and he noticed that there where calls that where ringing in the call as well. When my partner spoke up and questioned why he hears ringing in this call the rep stated that there are other people here that are working with other customers. This went on for awhile and then my partner began to question this person that I was dealing with. We began to check the accounts and it did go through. The rep began to say that nothing will happen to your account, and you will be getting all your money back. He wanted to have us use the XXXX and XXXX app and then began to say that he wants to purchase an XXXX e-gift card for the sum of {$1.00}. Upon this request my partner had thought about this and said to me this is not right. Also, the agent was also asked how is the agent a certified rep from XXXX? The rep stated that he was and now he is using an offline server where the account will be safe. After two and a half hours he hung up and nothing was resolved Attached with this letter is the screen shot of the response from XXXX and the direct text message that was sent to my phone that claiming that this person was working from XXXX and the invoice from XXXX XXXX a suppose representative from XXXX XXXX. Plus, a police report will be corresponding to this as well from XXXX XXXX Police Department. There were no other benefits from me loosing out on the hard-earned money that worked for and now that I am out of this money from this scam ; this has caused many financial issues for me. I did not benefit from any of the actions from XXXX or even gained any financial stability. Once this police report is filed I will submit the report to the bank to help resolve the matter. If there is any other information that you need, please feel free to call me or reach out by email. 


Thank you for your time. And I hope to speak with you. 
XXXX XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called Conns XXXX XXXX on XX/XX/2022 to pay off my balance in full. The lady on the phone told me she can decrease the amount for me since I was paying off early. I still owed a little over {$6000.00} on the loan and she reduced it to around {$4400.00} to pay in full. A few months later I get a notification from XXXX XXXX  that my conns balance increased by {$57.00} and my credit was reflecting a balance owed of {$1300.00} still so I called again to get information on why this was happening if I paid the balance off ( this was around the end of XXXX/beginning of XXXX ). They told me they are not sure and they would send it to a different department and I would need to call back in 3 days to see if it was fixed. I also asked for a paid in full letter, I have still yet to receive one to this day after asking numerous times. I have had to make this request phone call twice more about the balance on my report with the same outcome. Well today I get a notification that my account was charged off and my score dropped XXXX points. I spent 2 hours on the phone with conns, being transferred from the customer service department, the recovery department, the billing and collections department, and the credit department all of who can not help me. One manager stated that he will forward the account to the credit department and try to have it removed. I paid off all my debt to increase my credit score to purchase a home. I am in the process and should be closing XX/XX/XXXX however with this on my credit this might impact my ability to purchase this home. I would greatly appreciate any assistance in the matter as my account should not be in charge off status when I called to pay in full and was offered a lower amount without even asking. Had I known this is how they conduct business I wouldnt have purchased with them to begin with.

Company response to consumer: Closed with explanation