BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
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:
On XX/XX/2023 my wife and I bought a XXXX XXXX and financed $ XXXX.through Hyundai Motor Finance company XXXX On XX/XX/XXXX we paid the vehicle off. 
Unbeknown to me or my wife, the dealership erroneously created two accounts for us with Hyundai Motor Finance ( same VIN within each account ). One account shows we paid the vehicle in full. The other account shows we never made a payment. I have been in touch with Hyundai Motor Finance no less than 10 times trying to rectify the issue, one of those times i coordinated a conference call that included the dealership. 

In October I filed a formal complaint with the company and they have since assigned someone from their Customer Care center. I spoke to her one time three weeks ago, left three messages since, and get no response.

Hyundai Motor Finance has not released my title- they still have an electronic lien against the vehicle on file with the state of XXXX. 
Hyundai Motor Finance continues to send collection documents to me and my wife and now state we are in default and are threatening legal action if we don't pay for the vehicle by XX/XX/XXXX. 

I am concerned that Hyundai Motor Finance will fraudulently make negative credit reports against me and my wife when they are very aware that such reports would be untrue. I am also concerned about legal action they my take against me even though that action is without basis.

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 2023-09-14
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Hi my name is XXXX XXXX I lived in XXXX de XXXX XXXX, in XX/XX/2022 the building was evacuated because we have a wall content around the building collapse. The reason was tropical storm XXXX was near Puerto Rico and the arrived with a lot of water. My mortgage is with Banco Popular denied to extended the mortgage payment. In my case I make the payment during the last 11 month. The private insurance not answered yet the claim of the loss. I need some king of extended because I dont have any place to live. The apartments dont suffer any damages, but the parking lot did it. I'm looking for help. XXXX from XXXX XXXX in Puerto Rico has a many reports of the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: SC
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/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have reached out to Equifax, XXXX and XXXX to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BANK OF THE WEST
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I send a validation letter to bank of the west via certified mail asking them for validation of debt thats showing on my credit report, but they never responded back even when I know they got the letter because I got their signature on return certified mail. They are still reporting negative information on my credit report violating my rights under FCDPA.

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 2023-09-14
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I never opened an account with XXXX. Someone else opened an account with them in my name, using my SSN. XXXX refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site. 
The frauder used an address, phone number and email that are totally unknown to 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 2023-09-14
Company: Affirm Holdings, Inc
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: Problem with personal statement of dispute

Complaint:
I never opened an account with Affirm. Someone else opened an account with them in my name, using my SSN. Affirm refuses to consider my arguments and holds me liable for loans I never took. I do not have any log in or passwords on their web-site, so I can not even log in to their web-site.

The frauder used an address, phone number and email that are totally unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a very predatory company. I took out a loan for {$3600.00} with this company in XXXX. I have paid more than 3-4X this amount and the balance is still showing as {$3400.00}. In XXXX  I lost my job and entered an agreement with the company-NetCredit Temporary Payment Relief Plan and despite this they still reported me late even though I had the payments on auto pay and they were on time. 

Not only this but they have unethical and illegal credit reporting practices. For example, sometimes I will login to make the payment the same day and the website won't allow me to make a payment unless I schedule it out several days which will result in me being reported late to the bureaus. They have also incorrectly reported the amount of the late payment. 

As I stated I have been paying this loan for years and none of the money paid is hitting principal, only interest and I am constantly hit with late payments on my report which has significantly damaged my credit and has made it impossible for my family and I to purchase a home. 

I would like for the hard earned money that I've paid be applied to the principal of the loan as well as the late payments removed from my credit report. 

I'd been doing some research and it is clear that Netcredit has a pattern and history of this and I am considering filing a class action lawsuit as well as go to the news station. This is predatory and very unethical. I can't believe this company is able to get away with this. I am no longer going to accept this lying down and will file with more regulatory agencies to prevent others from going through this. 

If an attorney sees this, please contact me. I know a few others willing to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-09-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited checks based the timeline Usaa bank provided, ( most of the funds were made available immediately, the balance was to be made available XXXX business days later. ) I made payments from my account which then bounced. Further inquiry showed that the bank placed my checks on hold entirely ( deviating from what they conveyed originally ). 
They now have a hold on my account and deposits .they refuse to give a timeframe or disclose if and when the funds will be made available. 

Meanwhile the checks have already cleared the writer 's banking institutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debit collection company called ProCollect , INC contacted me on XX/XX/XXXX, claiming that I owe a debt of {$200.00} to a student apartment in XXXXXXXX XXXX XXXX I was sure that I didn't own the debt because I never lived in any cities in XXXX XXXX XXXX in my life and I was no longer a student since XX/XX/XXXX. 

I called XXXX and explained this to them. They told me that they would verify my identity with the student apartment. I didn't hear anything from them after that so I thought the problem was resolved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I check my credit report, I noticed there was a collection placed by XXXX on the credit report. It was placed in XX/XX/XXXX. I tried to call XXXX XXXX to claim that this is a wrong debit collection but they insisted that the apartment provided my social security number to them. 

I believe it is possible that it is identity theft. Someone used my social security number to rent a student apartment in XXXXXXXX XXXX XXXX. This person owns the debit, not me. It is quite easy to prove. I can provide documents to prove that I lived in XXXX XXXX XXXXXXXX and I never changed my address since then. Also, I can provide documents to prove that I graduated from a XXXX XXXX XXXX XXXX in XXXX with a XXXX XXXX XXXX ( so there is NO reason that I would rent a student apartment in 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 2023-05-27
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
the card was in a negative balance of around {$500.00}. I was not working and was in and out of the hospital so I was not getting a full paycheck. I started to send allotments of {$100.00} and {$150.00} to repay the negative balance. On XX/XX/23, I received a full paycheck of around {$3800.00}, plus an allotment of {$150.00}. The negative was paid in full at this point and when I tried to pay a bill, I was declined because the company froze my funds. When I spoke with the customer service rep, she said that the recovery team would have to unblock the funds but I was not able to speak with anyone on that team. Normally, a bank would allow you to speak with someone on the fraud team and they are able to fix it that same day. Customer rep said that they would have to send an email to the recovery team and I would have to wait XXXX business days to get a response. Meantime, my money would be sitting there and I would not be able to pay bills. They could not accurately tell me what I owed. This is a holiday weekend and when the customer rep said she tried to speak with a XXXX, they told her it was nothing they could do. Most legitimate banks can fix those problems right away and tell you what the issue is and unblock your card the same day. This company could not and would not. I take XXXX XXXX  and I am a XXXX. I need my paycheck not only for bills but for my medication. They are keeping over {$3000.00} of my money to pay for a small negative balance which has been paid off according to the customer rep. So why are they keeping my money through a holiday weekend. This is unacceptable and should have been fixed the same day.

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 2022-06-02
Company: Brightfunders, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 I submitted an application to refinance my home with Lower.com. I advised XXXX XXXX that there were XXXX loans showing on my credit that were not mine ( they belong to the church that I am the financial officer for ). He told me that this was not a problem, that I would only need to submit bank statements from the church, showing where it is paying the loan and I did that. Fast forward a few weeks and I am told that is not enough, so I went to the bank, had the bank President write me a letter stating that the commercial loans were not mine and that they would be promptly removed from me credit report. I submitted the documentation to Lower.com and they said they had already made a determination based on the loans showing that I had been denied the loan. 

I ask what can I do now, and I was told that the loan application had been closed and that he could redo the application and everything should be fine. After numerous attempts to get to the closing table, Lower.com 's underwriters would not take in to consideration the fact that these items had been removed from my credit and that I had provided more than plausible explanation and documentation for the loans. 

After going as far as having the title clear to close, the appraisal and fulfilling every single requirement that was asked of me through XXXX loan applications, I am told by XXXX XXXX that he " doesn't think they are going to be able to make it work ''. I asked if they had pulled a new credit report and was told no they hadn't ( I already knew this because I monitor my credit on multiple platforms. ) I asked why they could not pull a fresh credit report, and was told that they would. THEY NEVER DID! Then I was told over the phone that they weren't going to be able to make the loan work. 

I was given two months of runaround by Lower.com which resulted in me having to work with another lender, all the while interest rates are climbing. I was locked in at 4.00 % and honestly think that they did not want to honor the interest rate lock and shut me down because of it! I never received any documentation stating a reason that the loan had been denied, as XXXX said. 

Seeing how I was not going to get anywhere with Lower.com, I went to XXXX XXXX to get a rate locked in with them. By this time, the best rate I could get was 4.99 % because of the climbing interest rates. By Lower.com doing this to me they have cost me over {$20000.00} over the life of the loan. I am beyond outraged with them and their lack of diligence. I had to contact XXXX 's supervisors on at least XXXX different occasions to get a call back from him. The last time, I was contacted by someone who represented himself as " a Vice President '' and was told that he would take over the account and work with me from thereon, and that after speaking to XXXX he would call me back by the end of the day. Well, the end of the day apparently still hasn't gotten here two months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Early Warning Services, LLC
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:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.

Company response to consumer: Closed with explanation