BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: HYUNDAI CAPITAL AMERICA
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:
Our daughter 's Kia XXXX was totaled, and we replaced it with another identical model. Both were financed through Kia Finance America ( https : //www.kiafinance.com ). 
Our insurance company was provided a payoff for the totaled car, and they paid it off. In between the ordering of the payoff and the delivery of the check, Kia Finance drafted another payment from our account, resulting in an overpayment. No big deal, shouldn't be a problem, we figured it would be automatically and promptly refunded. When it wasn't, we called to follow up. We were told it was sent, they verified our address, told us it had only been a month, wait a little longer. We waited a few more days and called again, and they said, they had been mistaken, it wasn't sent to us, it was sent to our insurer, as the last check had come from them. We called our insurer, XXXX, and they said we don't receive overpayments on car loan accounts, and we wouldn't even know what to do with that. We called Kia Finance, and told them what the insurance company said, and they said we had to GET A LETTER FROM THE INSURANCE COMPANY AUTHORIZING US TO HAVE OUR OWN REFUND. This is crazy, but we actually got that, and sent it to Kia. Another month went by, and we just called today. They have taken no action to solve the problem. Today, they told us they can see the check wasn't cashed, so they will cancel it and send a replacement TO XXXX AGAIN. They have already been told, in the letter they made us obtain from XXXX, that the refund should go to us.

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 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 somebody charged my debit card in Bank of America ( BoA ) first time for {$2500.00} and then for {$580.00} through the XXXX XXXX XXXX, and twice by {$9.00} through The XXXX XXXX. Totally for {$3100.00}. The BoA alerted me about these payments and I refused to accept them as my purchases while these charges were at the processing stage. The BoA claim ID : XXXX. We asked the BoA to stop processing. However, the BoA ignored our request and has processed these charges. Moreover the BoA asked us not to contact merchandisers ( XXXX XXXX XXXX and XXXX XXXX ) and wait for while the BoA investigates the case. Some time later we found in the BoA 's Message Center that this claim is " resolved -claim not paid ''. It means that the Bank of America just covered this robbery. Instead of finding the person ( s ) who used my debit card information that was stolen somewhere and somehow and initiate the criminal case, the BoA went the easy way to shift the blame on me. As I understand correct, the XXXX XXXX XXXX is financing subprime automobile loans, checked credentials of person who was taken this loan. Therefore, the XXXX XXXX XXXX has information about this person, and could initiate the criminal investigation. However, nothing was done. I have no idea who get this loan. the XXXX XXXX XXXX didn't inform me about operations where my identity was involved. It looks that this is some kind of financial arbitrariness happens in the USA. My wife and me already applied another complaint for the BoA, and XXXX which charged my credit card for more that {$9000.00} and again the BoA decided the we are guilty in those charges. We can not understand what disaster happens in the Bank of America. Instead of protecting their customers the BoA just robs them.

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 2018-04-26
Company: EQUIFAX, INC.
State: VA
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 filed Ch XXXX bankruptcy on XX/XX/XXXX. I received a discharged from US. Bankruptcy Court XXXX  District of Virginia on XX/XX/XXXX. In my bankruptcy creditors list my attorney submitted to the court included all accounts with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), in XXXX   VA. XXXX  and XXXX reported my accounts with XXXX XXXX `` this account is included in Ch XXXX bankruptcy '' that is correct. But Equifax reported this same account " charged off {$12000.00} '' and account open date :XX/XX/XXXX ( after bankruptcy discharged date ), type of account is unknown, monthly payment is unknown, high balance is unknown. I disputed this incorrect account reported by Equifax at least 6 times but Equifax never changed the results. My main point is a same account status, XXXX  and XXXX reported correct " this account is included in Ch XXXX bankruptcy ''. Equifax reported " this account charged off with balance of {$12000.00} ). I requires Equifax should change the status of my account to " this account is included in Ch XXXX bankruptcy ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.

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 2023-09-28
Company: WELLS FARGO & COMPANY
State: TN
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:
The Fair Credit Reporting Act ( 15 USC 1681, section 602a ) requires agencies like XXXX and XXXX to operate fairly, respecting consumers ' privacy. 

I am asserting my right to privacy, as outlined in 15 USC 6801. This law states that financial institutions, like those supplying data to credit agencies, must respect and protect their customers ' private information. I haven't given XXXX, XXXX, or any data provider explicit written permission to share my details, so any previous consent I might have given is now withdrawn. 

Additionally, 15 USC 6802 ( b ) ( c ) specifies that financial institutions can not share personal data with third parties without informing the consumer how they can prevent such sharing. I wasn't given this information. Also, 15 USC 1681C ( a ) ( 5 ) restricts agencies from reporting certain negative details that are more than seven years old. This hasn't been followed in my case. 

Furthermore, the Family Educational Rights and Privacy Act ( FERPA ) from 1974 protects students ' education records. As outlined in 20 USC 1232g ( b ), it applies to all educational institutions, from elementary to post-secondary, whether public or private.

Lastly, 15 U.S. Code sections 1681s2 ( A ) ( 1 ) A and 1681e require that institutions don't share incorrect consumer data and that agencies like XXXX and XXXX have measures to avoid breaches. I believe these measures aren't being followed. According to 12 CFR 1016.7, I can opt out of reporting services at any time, and I'm choosing to do so now.

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 2023-09-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 I made a deposit into my checking account for XXXX XXXX. In which I was able to receive. The issue is there holding a deposit on a check from a major insurance provider drawn from one of the largest financial institutions in the country. I requested the funds be released because I also have direct deposit from the US Treasury every month due to my XXXX. I told them I was homeless and needed the money to obtain housing. I was told I would have access to the funds within 24 business hours. The time has come and gone while I'm on the streets cold hungry and my life at risk.

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have identified items on my consumer report that is a result of identity theft. The information reporting is not accurate and is an improper use of my information. Please delete and block all negative information reporting. These inquiries and/or late payments aren't accurate, was not a transaction authorized by me. These are the following : XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX The CRA have old addresses on my file that leaves me vulnerable to more possible identity theft. My current mailing address 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022

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 2023-09-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I activated a Verizon Visa card through Synchrony Bank with a credit limit of {$8000.00}. I was about to leave for a vacation to XXXX where I planned on spending about $ XXXX on the XXXX card. I wanted to keep my debt to credit ratio around XXXX %, so I was interested in raising my credit limit by {$2000.00} for a total of {$10000.00}. When I opened the Verizon Visa card app on my XXXX, there was a banner right in front on the main account page asking me to request a credit limit increase ( see attached screenshot ). This was very convenient so I naturally clicked on the link and requested a {$2000.00} increase on my credit limit. 

I was immediately denied the credit limit increase with the explanation that my account had not been open long enough to request an increase. This conclusion was clearly contradictory to the prominent link on the app, inviting me to apply for the increase. If my account was too new, it was misleading for the app to advertise the credit limit increase in the first place. If I was not eligible for that promotion, it was misleading to show it to me. 

In the last 2 months since being denied this credit limit increase, I have noticed my credit score drop. In that period, I have made all credit card payments on time and in-full and even finished paying off a {$40000.00} car loan. The denial for the Verizon Visa credit limit increase has been the only negative event that could have dropped my credit score over the last 2 months, and this only happened because I was mislead by the card provider.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On Tuesday XXXX XXXX, 2022, I received an email from Credit Karma in regards to a Hard Inquiry on my account that affected my credit score. I clicked on the link and noticed that 15 pts were taken off my credit score. I checked my list of hard inquiries and noticed three were unfamiliar, one at XXXX on XX/XX/2022, and XX/XX/2022, and XXXX XXXX XX/XX/2022. I immediately tried filing a dispute and was informed that I would have to contact Transunion and file a dispute through them. While continuing to look at my credit card account, I was looking a vehicle options and it referred me to carvana. I typed the vehicle I was looking for and it gave me offers that would be suitable for me financially. After clicking on carvana it wanted to verify my information, however when my information came up, it showed my name, not my address, and for date of birth it showed a message saying hidden for security. Immediately after I contacted Transunion and Spoke with a representative and was told I have to submit documents with a copy of my social security card or drivers license.

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 2023-07-26
Company: Forster & Garbus LLP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX has claimed private loans were sold to XXXX, then XXXX refuses to deal with me, as they were sold off to Forster and Garbus collections in NY State. As per my understanding, the following has taken place and applies to me : To qualify for discharge under the XXXX settlement, a private student loan must have been originated between XXXX and XXXX by XXXX XXXX ( XXXX XXXX ) and must have been charged off by XXXX as of XX/XX/XXXX. Additionally, the loan must meet one of three conditions. 

The borrower at loan origination had a XXXX  score below XXXX and attended a for-profit school or below 640 and attended a non-profit or public school The loan was used to attend of the for-profit schools included here under # XXXX. 
The loan originated under XXXX XXXX opportunity or Recourse program. 

I did have a XXXX score under the 640 and attended a non-profit school within the time frame of these loans being offered. Forster and Garbus, through XXXX XXXX and XXXX, is still collecting on these even though this took effect over a year ago! In other words, XXXX and XXXX jumped on this in XXXX, knowing this was NOT supposed to take place. 

Dealing with this group is very difficult. They never act forthright, use courts to intimidate and bully, collect on my pay through back door means and likely bought this debt for pennys on the dollar, yet are collecting it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from PENTAGON FEDERAL CREDIT UNION because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.

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 2023-09-28
Company: ProCollect, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried on multiple occasions to contact XXXXXXXX XXXX XXXX  due to an amount reporting on my credit report. The property was sold to another owner and I have not been able to get in contact with anyone to discuss this matter. I have contacted the collection agency PRO COLLECT, and the representatives are very rude, and are telling me I am responsible for the debt. I sent a debt validation on XXXX and have not recieved a response yet. Made numerous phone calls explaining to them this is effecting me tremendously, and the amount showing is not accurate.

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 2023-11-06
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Statring in XX/XX/XXXX when I notified CITIBank that I did not authroized tranfering {$2000.00} to one of their fake accounts at with time I canceled my card! From then until YOU stop them ; Administrative Proceeding File No. XXXX, CITI BANK charged my CANCLED account over {$20000.00}. The took me to court a years ago! New Case # XXXX XXXX and tryed to push it through court with out notitfing me! the courts fismissed the case. On SundayXX/XX/XXXX I recieved a summens from their local lawyers : XXXX XXXX XXXX and XXXX XXXX XXXX Phone # XXXX! 
I was never paid by CITIBank as per your orders, back in XX/XX/XXXXI was NOT a card holder. 

I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXX to XX/XX/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 2023-01-01
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX has been reporting to all three credit bureaus that I owe money to them. They have reported payments charged off and late payments. Their collections company, XXXX XXXX also is reporting the same thing. 
The problem is the vehicle that they said was not paid and charged off, was stolen. My insurance company paid the loan in full directly to XXXX. I have turned in the paperwork to all three credit bureaus and they all have said that XXXX has verified that the information is accurate. Yet, when requested I have never been sent backup documents to prove that XXXX has any information.

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