BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My sister passed away on XX/XX/XXXX. I have been trying to have the equity in her vehicle transferred to me since XX/XX/XXXX. I heard back from Hyundai Finance on XX/XX/XXXX asking that I apply for credit. I sent the application and all the other information to them on XX/XX/XXXX. The credit application indicated I would hear from them in 2 business days. On XX/XX/XXXX, I called and was told to their back office had not updated the account and to contact them again on XX/XX/XXXX. On XX/XX/XXXX I called and was told still no update and to call on XX/XX/XXXX. On XX/XX/XXXX, I called back and still no updates. They asked for my preferred contact number and email which I provided. They said I would hear back in 3 business days. On XX/XX/XXXX, another sister received a forwarded letter asking our intent as it pertained to the car. The requested we FAX a response. On XX/XX/XXXX I faxed the requested information and a history of my interaction with Hyundai Finance. On XX/XX/XXXX, I contacted Hyundai again and they said they were missing death application. To call back in 2-3 days. On XX/XX/XXXX, I called again and was told they had the intent letter and death certificate. They again asked for my information. On XX/XX/XXXX, I was notified by my ID Monitoring company that Hyundai Finance had pulled my credit report. On XXXX, I called Hyundai asking for a status and they said my credit was pending and to allow 5-7 business days to get a response. On XX/XX/XXXX, today, they said my credit is still pending and to call back on Friday

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 2022-11-02
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear CFPB, I am writing to desperately ask for your help. I live in XXXX and I was scammed badly and lost all my life savings, plus the money I borrowed from my family and short-term loans/mortgages from financial institutions that I am now unable able to pay back. 

Below is a summary of what happened to me : On XX/XX/2022, an XXXX guest named XXXX XXXX XXXX XXXX XXXX tried to book my house for XX/XX/2022. He then asked me to connect with him via XXXX so he could have further questions. His phone number was XXXX. 

During our conversations on XXXX, he told me that he lived in XXXX XXXX and that he came from XXXX as an investor. He told me that he was very successful in investing in XXXX and bought properties in XXXX  and XXXX XXXX from the profits he had made from XXXX trading. He asked me if I ever invested in XXXX and I told him that I had never invested in XXXX and did not know anything about it. He said he had been trading in XXXX for 8 years and was doing in-depth market analysis and only traded when there was a market node, so it was 100 % safe. 

He asked me to try and guided me to open an account with a trading platform called XXXX, and later he moved me to another platform called XXXX. At first, I put in {$500.00}, then he said the minimum for XXXX  future trading was US {$1000.00} but since I was in XXXX, I had to put XXXX XXXX. I thought Id give it a try. After I put {$2000.00}, he traded it for me and showed me the profit for every single transaction which was XXXX XXXX XXXXXXXX %. He then convinced me to put more money in as he said there were more market nodes coming the following week. He then told me that there will be a bull market coming in XXXX and this was to be said once-in-a-lifetime opportunity and convinced me to sell all my stocks, cash out my RRSPs, and borrow money to seize this short-term opportunity and that once the bull market was over, I could take out all my capital and profits. 

I sold all my stocks, cashed out my RRSPs, got a few loans from my equity line of credit, family and friends After he had me send him money to his multiple bank accounts in XXXX and XXXX, he would not let me withdraw my capital, then disappeared and shut down his fake trading websites. 

On XX/XX/XXXX, I reported the scam to my bank XXXX XXXX XXXX XXXX ), the police in XXXX and the FBI in the US. 

My bank tried to recall the last 2 biggest wire transfers to East West Bank on XX/XX/2022 in the amount of US {$540000.00}. I also contacted East West Bank on XX/XX/2022 and was told that it had frozen the scammers bank account but they did not refund me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: CA
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 signed up for an Apple Card, and then my Apple account got hacked. 

I started getting charges on my Apple Card, and got billed statements by mail, but none of the charges were made by me. I've made numerous attempts to contact Apple, but they keep telling me to try to log into my account to fix the issue. I can not get into my card because it got hacked and the phone number connected to it has been changed by the hacker as well. They can not help me get into my account AND they can not stop the charges. 

My credit line on that card is also only {$12000.00}, but somehow this hacker his racked up charges upwards of {$30000.00} when this shouldn't be even possible? Not a single transaction was from me, and I can not stop them. This is affecting my well being and also my credit score. I desperately need help to stop them and fix this situation. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/2022 my debit card would not work. 
I called Capital One and they informed me my account was being phased out, according to a letter they had sent me 60 days ago. They said within 3-4 business days they would be mailing me a check for {$780.00} which I would receive in seven to ten business days. 

I informed the representative I did not receive a letter. 

On Monday XXXX, 2022 I called Capital One to check on the status of my account, I asked why they could receive a deposit while my account was on hold or closed, they informed me the deposit went through because the account number was correct. 
When I asked what amount would be sent, they again said {$780.00}. When I asked when or for a check number, they would not provide me with either. 

On Tuesday XXXX XXXX a check was deposited into the account for {$1700.00} and even though the account was on hold they received the deposit. This changed the amount in my account to {$2500.00}. So, I waited a day to call Capital One Customer Service. I wanted to see if they refused the deposit to an account on hold. 

On Wednesday XXXX XXXX when I opened my account, they had accepted the deposit leaving my account balance at {$2500.00}. They also accepted a pending payment transaction from their institution for a {$500.00}. 

When I called to ask why a deposit and pending transaction were being accepted to an account on hold, they could not explain this matter to me. They said now it would not be sending my funds until Monday XXXX XXXX if the account is closed today. 
I asked to speak with a supervisor I was informed I was speaking to a supervisor. 
XXXX employee # XXXX. I asked for a copy of the conversation and a copy of the letter. I was informed neither were available to me. 
I'm not sure if Capital one is breaking any federal banking regulations. I am sure that their actions have been extremely irregular at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  XXXX XXXX XXXX  ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the CRA & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.

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 2023-11-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for SAVE on XXXX. I am currently on PAYE and was on REPAY prior. On XX/XX/XXXX I called about the processing delay. They originally claimed that my loans did not qualify for SAVE. All of my student loans are direct loans and this information was simply not true. After further pushing as to the reason why my application had not been processed, they informed that that my application was declined for missing information ( which they never notified me about ) and require 3 years of tax returns to re-process the application. I referred to the Federal Register update 685.209 ( e ) from XX/XX/XXXX that eliminated the previous years income requirement. The rep insisted that this is just required and that the government has to know how much money I made during nonpayment ( even though I file and pay taxes every year ) and could not tell me why. I have never received in writing why my application was declined or what information was " missing ''. I later recontacted them again on XX/XX/XXXX and pushed for supervisor who assured me that my application would be processed within 2-3 weeks and that the tax return requirement was in fact, not required. 

As of XX/XX/XXXX, my next payment is due on XX/XX/XXXX and they still have not processed my application and their stated reason is that they are " behind '', even though I have been speaking with peers with applications submitted after mine that have already been approved. My choices presented to me by the phone rep was to pay the monthly payment ( that I can't afford ) or extend my forbearance. They continue to ignore my application while my loans gather interest. It is incredibly unfair that I have to continue to accrue interest that will be capitalized because of their inability to perform the most basic of their job functions. It feels predatory that the ineptitude of a company can contribute to my student loan debt. Why should they do anything in a timely manner if they benefit from it financially? 

Mohela clearly does not have the necessary staff knowledge to appropriately service loans. They can not be bothered to keep up with current/up to date rules and requirements. There is no consistency. Every time I speak with a representative ( after hours on hold ), I am told something different or a vague explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: KEYCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
An account was open in my name at Keybank in the State of Ohio without my knowledge. I found out about it while traitors open a bank account. 

It is NOT on my XXXX report but it is being reported on XXXX XXXX  reports. 

I have contacted XXXX XXXX and Keybank to no response of removal. 

XXXX XXXX  however provided these information to me. 

Key Bank ABA Number : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer. 
In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active. 
Again, I have lost money due to not being able to transfer money to my XXXX account. 
Unfortunately, I can not attach most documents b/c they contain account numbers.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated immediately : 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 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 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 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 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account DATE : XX/XX/XXXX ] Reason : [ NEED IT DELETED HAVE NO CLUE OF THIS ACCOUNT ALSO THE HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-08-04
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: Information belongs to someone else

Complaint:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts 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 non-monetary relief
Consumer complaint received 2023-01-10
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Over and over I have tried to get access to my account and I have had to make numerous where money here XXXX there disappears and it can't get granted, I've received cards I didn't order and not XXXX time have I got a positive resolution.. this needs investigated

Company response to consumer: Closed with explanation