BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: HYUNDAI CAPITAL AMERICA
State: GA
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:
Hyundai Motor Finance XXXX. 
I have an original account number with XXXX. 
I have an escalation complaint number with XXXX. 
I paid off the lease, I have a bill of sale dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX sent me a Colorado title because I leased the vehicle in Colorado. 
The problem is that when I moved to Georgia in XXXX, the XXXX in Georgia did not generate a XXXX request for a state to state title transfer. 
I paid off the lease on XX/XX/XXXX, went into the GA DMV to get the vehicle put into my wife and my names. They realized the mistake they made from 2 years ago and took my original Colorado title and sent it to the state of GA to generate a new GA title. They mailed the original GA title to the XXXX dealership in CO where I leased the vehicle, I had to call the dealership and they agreed to overnight the original GA title to XXXX XXXX XXXX. In XXXX, Texas. XXXX in XXXX TX received the overnight pack on XX/XX/XXXX at XXXX signed for by XXXX XXXX XXXX very detailed instructions to sign XXXX back of the original GA title and mail it back to my home address so I can take the GA title to the GA XXXX XXXX get the vehicle put in my name. 
I have been calling them for 2 months. 
They mailed me a letter of no interest or a lien release for this vehicle dated XX/XX/XXXX stating they have no right, title, or interest in this vehicle. 
I have been calling them for two months trying to get them to fill out and sign the back of the original GA title they have in their possession. 
The case is now in their specialty escalation group but no one will return my phone calls. I have all of my dates, times, and contacts I have spoken to regarding this matter for two months but no one will contact me. They claim that the XXXX TX title department does not have a phone so there is no way to contact them. 
The XXXX now handling my escalated case is XXXX. I left a message for her on XX/XX/XXXX and XXXX but they wont give me her direct line.

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 2015-11-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought the prepaid debit card and loaded XXXX and paid XXXX card fees When I tried to activate and register the card the customer service told me I had fraud on the account and could not use it. How is that possible I just bought the card less than one hour ago. The company is NetSpend. I want to attach documents but the system won't let 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 2022-10-05
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I enrolled in this offer back in XX/XX/XXXX on my Amex XXXX XXXX XXXX : " This holiday season, use your XXXX XXXX American Express XXXX XXXX to get closer to your next Hilton stay. 
Once enrolled, spend {$8000.00} in eligible purchases with your Card by XX/XX/XXXX and earn a Free Night Reward. 
Plus, continue to enjoy great benefits on travel and more, including 3X Bonus Points on all eligible purchases. '' I spent over the {$8000.00} as this was a busy holiday/ski season and this is my primary credit card. I knew to wait about 4-6 weeks after the end of the offer and contacted Amex via chat and phone call after those 4-6 weeks several times. I also was to receive a free weekend night for a minimum spend on a new XXXX XXXX XXXX XXXX  and an anniversary night for my XXXX XXXX. I was specifically told XXXX XXXX XXXX XXXX that I would be getting another reward night but this never happened. When I called in XX/XX/XXXX I was told I would not be eligible for more than 2 free nights per account despite the fact that the offer was valid outside of the annual/new sign on rewards. The correspondence I have received either via phone or chat has been murky and conflicting each time. I will attach my chats. I was last told via phone that my 3rd free night would arrive by XX/XX/XXXX but that hasn't happened- the rep seemed very confused and at one point told me to wait another 4-6 weeks but I reminded him the offer ended in XXXX. This rep agreed but then was referencing an offer from XXXX! Basically, I should have received 3 free night rewards but I have only received 2 and I can't receive a definite answer as to where my 3rd night is. The 3 free nights should be for- sign on and minimum spend for XXXX XXXX XXXX ( was a few XXXX and I reached it ), my anniversary for XXXX XXXX XXXX and the XXXX spend for the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am cosigner on daughter 's loan. Chrysler Capital collection department is contacting me because they will not accept her last payment via autopay. Her pay off amount is {$3.00} different than her standard monthly payment. She is out of reach right now, and if she does not submit a manual payment, this loan will be put into default. When we sign for automated payment with Chrysler Capital, we expect *all payments* to be made automatically. This is how it works with all other car loans about which I'm familiar. This is a credit trap and it will impact both of our perfect credit standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got permanently limited from PayPal because I won my dispute so they want to remove me for no reason respectfully I think this is wrong to limit someone because they won disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.

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 2017-01-04
Company: Loan Science, LLC
State: CT
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have sent cease and desist letters yet this company continues to call repeatedly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a borrower of student loans to finance my education, I entrusted XXXX to manage my consolidated accounts to streamline the repayment process. Unfortunately, they have not done a great job at accurately reporting information to the credit bureaus. On XX/XX/XXXX, I received notification Experian that " XXXX/DEPT OF ED has flagged your account as Not Paying Off Your Balance and Can not be Located ''. XXXX 's error resulted in a staggering decrease of XXXX points. For starters, none of my contact information has changed since I consolidated my loans back in XX/XX/XXXX. Another thing, is that my account isn't due for repayment until XX/XX/XXXX, per the loan agreement, so how can they flag my account as not paying off balance when I haven't even entered the repayment period? Let alone them being unable to locate me, when I have prooof of correspondence in the form of emails/phone calls/mail from them prior to the inaccurate reportings...? 

I reached out to XXXX that same day ( XX/XX/XXXXXXXX  ) and was on hold for more than 2 hours-switching between representatives-until finally the call disconnected and I was unable to get back through as it was after hours at by that point. So the following business day ( Mon XX/XX/XXXXXXXX  ), after more than 2.5hours I was able to speak with a supervisor who assured me she would take care of the issue. Now it's been 45 days and the issue has yet to be corrected. I need assistance ASAP, because apparently XXXX is quick to causes damage, yet slow to repair it...

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 2023-05-11
Company: EQUIFAX, INC.
State: AZ
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our aunt & uncle had an A-B trust set up at Union Bank XXXX XXXX XXXX XXXX XXXX CA. She died XXXX, he died XXXX. Trust B was never set up until XXXX. It was supposed to be set up immediately. When the trust was split, the assets were split XXXX between A & B without regard to individually owned assets v jointly owned assets. A assets were split amongst the uncle 's relatives, B amongst the aunt 's. It took over a year to get the first payouts. In XXXX, they started promising " soon ''. A B beneficiary liquidated his assets in anticipation of a payout ( promised and continually delayed ) before XXXX/XXXX/XXXX. No payouts were made so the trust B paid capital gains tax at a higher rate on over {$100000.00}. He wanted to use the gains to offset some carry over losses on his personal return. Then when the trust was split, this tax ( and XXXX dividends & cap gains distributions ) was not taken into consideration and the split was an even XXXX way, even though Union Bank paid a consultant over {$4000.00} ( of trust $ ) to make sure it was done correctly. Most of the assets were distributed between XXXX. Some of my mutual funds had to be liquidated because Union Bank could n't figure out how to transfer them intact to XXXX, even after XXXX tried to work with them multiple times. At this time, XXXX XXXX XXXX, there is still cash held in trusts A & B and the administrative ( original ) trust. There are also stocks held by XXXX and XXXX that were never collected by the bank. We have told Union Bank about them several times, but with no response. They claim they are holding the $ in case of a tax problem, but we paid $ XXXX trust for those returns per year which had very little reporting, so they should be right. Union Bank charged over {$30000.00} per year for many years in fees to manage this trust. The fees were stopped in XXXX after complaints about the non communication & delays. The bank is the only XXXX with the authority to collect the outstanding stocks. We want the remainder of the trusts & outstanding stocks distributed and I feel the bank should be responsible for that tax bill if not the shortages to the other XXXX parties of trust B. Why are they allowed to carry on in such a shoddy fashion? Our aunt & uncle trusted them to carry out their wishes after they were gone. It was presented as an easy & efficient way of dealing with their estate. I filed a complaint with XXXX, but apparently they believed Union Bank when they responded that the assets were distributed.

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 2023-09-15
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My name is XXXX XXXX, me and my husband XXXX XXXX bank with Navy Federal. My husband has been incarcerated for over 18 months, I am his legal POA while he is in there for the next couple years. Our joint account has some kind of security block on it, not allowing us to withdraw funds. I have provided them with the POA as requested and as stated by XXXX of the supervisors I spoke with once the POA was accepted I would be able to speak to the security department since I am his POA. I submitted the POA on XX/XX/2023 and called to check on the status on XXXX XXXX and was told my POA was denied and told my husband would have to call in. I reiterated his situation to them and told them he can not be on the phone all day, he only gets XXXX minute calls whenever they are allowed rec time. We called today XX/XX/XXXX my husband was on the line verified his identify with the Representative and we were transferred to the Security Department. We were told the wait time was XXXX minutes, we were on hold for almost XXXX hours and finally got a Rep when I asked her to give me a second to get my husband back on, she hung up on me. I called again and waited the same amount of time and hung up on again. I called back to express my frustrations and was met with the same hogwash, that I can not speak to the XXXX department even though I am legally my husbands representation. This bank 's employees and supervisors have told me XXXX thing then tell me thats not true, I do not appreciate being lied to and laughed at as I'm in tears frustrated trying to get access to our families livelihood. My husband is a XXXX XXXX XXXX who unfortunately found himself in an unforunate situation, which is already hard on our family then to add this bank making me jump through hoops for nothing when I am my husband 's POA, they can have the POA paperwork to verify it is valid. I am extremely frustrated at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the validity of the debt referenced in the collection notices I received. I have no knowledge or recollection of these alleged debts, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AARGON AGNCY 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 2023-01-10
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a company called Lvnv Funding Llc the claim that I owe {$630.00} dollars. This is not true this debt is not mine, please help.

Company response to consumer: Closed with explanation