BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
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 Kia was stole in XXXX of 2022. XXXX marked it as a total loss, but then found the car 20 days later and cancelled the total loss in XXXX of 2022. 

I've been paying {$370.00} to Kia towards my car every month on time ( about {$3000.00} down from what it was at the time of the total loss ). A few weeks ago, someone from Kia reached out and said my car is still marked as a total loss because XXXX never called them. After I explained the situation, they said they would put a note on my file that it is not a total loss. I then called XXXX and asked that they reach out to Kia Finance to get it sorted. 

This month, I am unable to pay my car payment because my account was closed by Kia for " unpaid debt ''. No one from Kia called to tell me this was happening. I called Kia finance today and no one was willing to help me solve the issue. I was just told they needed someone from XXXX to call, they wouldn't provide me with a supervisor 's number to help me. But meanwhile, my car is now marked as unpaid debt, my credit most likely has taken a hit and I don't know if someone will try to repossess my car. Kia Finance said they sent a note of final notice to an old address, which they knew was the wrong one because I changed it over the phone with them XXXX weeks ago when they initially called me. So when he was telling me they sent me the notice, he read off an address that wasn't the one I just confirmed the call with. No one cared about my situation, and given this is a financial wing of a big institution, it's incredible that no one saw the urgency or issue in what they've done. I don't understand how so many steps seem to have been skipped to my detriment. 

This whole issue was started by Kia making a faulty car that was easy to steal. Now a year later, they somehow decide I'm not making payments when I can prove I've been paying every single month. Now I'm at the mercy of XXXX calling Kia in time before this goes further. I blame Kia Finance for not properly communicating to me or XXXX or checking my payments before closing my account. If XXXX had been the ones communicating with them to begin with, why am I the one being affected? WHERE HAS MY MONEY BEEN GOING THE LAST YEAR???? 

I want to understand how my payments over the last year have still been marked as debt, considering even when my car was considered a total loss, I had to continue making payments until XXXX sent them their payment. So how am I responsible for continuing to pay when it's another company 's responsibility to make a final payment, and when I do just that, my account closes?

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 2023-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Opened a business checking account and made a large deposit on XX/XX/23. Funds were due to be held until XX/XX/23 which was fine. Deposited check cleared other financial institution same day as deposited. Wells Fargo fraud department made a call to XXXX XXXX  to verify funds on XX/XX/23 and by voice were told it would not clear at that time. 

Wells Fargo informed me that due to the issue they would be closing my account XX/XX/23. Had multiple calls to fraud department and received the run around and they would not change the status. 

Funds came off hold and I started making payment to other billing accounts. One was an XXXX  to XXXX for {$15000.00}. Made payment on XX/XX/23 and was to be delivered by XX/XX/23 ( prior to account closing ). As of XX/XX/23 the XXXX  had not cleared so I called to stop payment. Bill Pay department said they would initiate a cashiers check to refund me the money as the account was closed. 

As of XX/XX/23 had not received funds. Called into Wells Fargo on XX/XX/23 to find out status. Ended up being transfed multiple times, spoke with 7 different bank reps and spent XXXX XXXX XXXX XXXX on the phone. No check had been cut or even requested and as of the call they do not know where my money is. 

Demanded my money and they created a case to escalate to the highest department manager. Told me they would contact me within XXXX XXXX. As of XX/XX/23 there has been no contact. 

Wells Fargo has made numerous errors in relation to my account, has cost me additional finance charges on billing accounts due to their delayed return of my money. 

And they still don't know where the funds are!!

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 2023-11-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I applied for card and was denied a month later IT somehow was approved after being denied and account was opened without my knowledge ans the fees and interest is being charged even though I never got a card or information on this account I assumed I wasn't going to get it being denied and a month later approved

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 2019-10-18
Company: Experian Information Solutions Inc.
State: IL
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 disputed an account with Experian from XXXX XXXX XXXX due to the fact XXXX was reporting an incorrect balance on my report. They were charging to much interest. I provided the letter to Experian from XXXX stating this. I asked this account to be removed from my credit file due to the inaccuracies. I don't care if XXXX updated the balance, it was still reported incorrectly for years and I want this account removed from my file per FCRA guidelines. I'm not sure what information Experian has claimed to verify, but I provided them with the letter from XXXX. If this is not removed. I will take further action against Experian. It has already been removed from other bureaus but someone Experian is not cooperating. I'm attaching the letter once again from the creditor. So, if XXXX claim the letter they sent is inaccurate, I need to know so I can take action. 

I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. 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 2019-10-18
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I mailed Security Credit Services a letter for validation of an account. On XX/XX/2019, I received a computer print out that did not contain any original documents validating the debt. There were no signatures associated with this documentation as well. The balance within the print put documentation shows as {$1400.00} and my credit report shows a reported balance of {$2300.00}. As this company is alleging a variation within their information. I am hereby requesting on the grounds of improper validation, that the collection by Security Credit Services be feleted from my XXXX, XXXX  and XXXX   credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed our refinance loan on XX/XX/2021 and the disbursment was on XX/XX/2021. The payoff was made to ServiceMac, who just took over the loan from XXXX. The transfer from XXXX to ServiceMac was not a smooth transfer as ServiceMac did not have our information or allow us to even make a payment on the loan for about 2 weeks after the actual transfer date in XXXX. We were informed by ServiceMac that they were not legally allowed to charge 'any ' kind of late fees for 90 days during this transfer in servicing of our loan from XXXX XXXX Our refinance just so happened to be during this transfer period. On the closing documents of the loan, it is clearly stated that there is a 'late fee ' being paid to ServiceMac of {$180.00}. This fee needs to be refunded to us immediately. 

We were also charged a fee of {$220.00} for an 'Affordable Housing Fee ' which we are requesting to have refunded. This fee is charged when there is no XXXX Cover page added to the deed. We will gladly fill out this one page document to save that {$220.00}. 

We were told by the loan originating company, XXXX XXXX XXXX, to file this complaint to you, as these matters are taken very seriously. XXXX was very helpful in the loan process, but did say that they could not resolve this matter without your help. 

Thank you for your time and advice in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TN
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-05
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services sent me a letter claiming that I owed {$1700.00} to XXXX XXXX XXXX who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

Phoenix Financial Services is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is registered in Delaware. Their registered agent there is THE XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trying to show on all XXXX credit bureau 's. That accounts have been satisfied with the cancellation of debt through the treasury department via 1099c documentation.

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have XXXX late payments on my credit report from capital one in the months of XXXX and XXXX of XXXX  and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have tried to close a money market account since XX/XX/XXXX. I would appreciate someone who can actually do something at the bank to close my money market account. I spoke with a supervisor, XXXX, on XX/XX/XXXX. I complied with his requirements to send in a letter with my request and a copy of my driver 's license. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and she indicated the letter was received, but now I needed a notarized signature. I indicated I am XXXX with a compromised health condition and my doctor told me not to leave the house. After multiple more calls to her and XXXX and others I was told a process was set in place to prove my identity. I spoke with XXXX XXXX on Tuesday, XX/XX/XXXX, at XXXX XXXX XXXX. She provided multiple questions and sent a text to my phone to prove my identity. I called XXXX XXXX today, XX/XX/XXXX and, like everyone else she said she is passing the information onto someone else. Without the support of BBVA, I withdrew all my money from the money market account by transferring it to my XXXX account. The account is still is not closed and is showing a - {$3.00} charge. I have a XXXX credit rating with XXXX, which I do not want negatively impacted due to the incompetence of this bank. I want the money market account ending in XXXX closed and the charge removed. They have already charged me a {$15.00} fee for this money market account and tried to charge me that fee multiple times, even though the bank is unable to close my account. I also want a check sent or directly deposited in my XXXX account for my five CDs upon maturity. I have a {$2000.00} CD ending XXXX matures on XX/XX/2020, a {$25000.00} Cd ending in # XXXX that matures XX/XX/2020, a {$10000.00} CD # XXXX that matures XX/XX/2020, a {$15000.00} # XXXX maturing XX/XX/2020 and a {$5000.00} CD ending XXXX maturing XX/XX/2020. I had no problem transferring money from my XXXX to BBVA and opening accounts. This bank is making it impossible to close accounts and charging penalties while I wait. Please contact me by e-mail XXXX, text or phone XXXX XXXX XXXX. These are challenging times. Like others, I do not need any more challenges right now. I am caring for my XXXX year old wife. Thank you XXXX XXXX XXXX I am attaching the letter I had sent to the bank, which was stipulated to me by XXXX the supervisor, on XX/XX/XXXX. I also sent a copy of my driver 's license, XXXX, who I spoke to on XX/XX/XXXX indicated both were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt belongs to my ex husband. This debt was also included in his bankruptcy. I am in no way responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. 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. Please update or correct the following inaccurate items in my report : 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 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted XXXXXXXX XXXX seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NV
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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the account is still reporting.

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 2023-03-06
Company: LEXISNEXIS
State: LA
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:
*See attached!! DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance

Company response to consumer: Closed with non-monetary relief