BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a loyal Hyundai customer, currently on my XXXX lease. In early XX/XX/XXXX, a Hyundai Dealer convinced me to return my XXXX lease a few months before the contract maturity date and take out my XXXX lease. The Dealer covered the remaining balance by sending a check to XXXX XXXX XXXX, which is the payee for Hyundai Motor Finance ( HMF ). The check was delivered on time. HMF deposited the check, but, apparently, did not apply it against my account. HMF started sending me invoices and calling me to make the payment. I kept telling them that the dealer told me that the balance was covered in full and HMF should figure it out with the dealer. Instead, HMF reported me to credit bureaus and continued to report late payments for a full year ( XXXX ), destroying my credit history. I tried disputing this with HMF they demanded the front and back of the check that the Hyundai dealer sent them. HMF refused to talk to the dealer directly. In XX/XX/XXXX, I caved in and paid the balance in full to stop the accumulation of late payments. Shortly after, I finally managed to procure the copy of the check from Hyundai dealer. HMF admitted their mistake and refunded me the amount of the check, but have not removed late payments. There is no one to call, all you can do is send a credit dispute to HMF by mail. HMF has been refusing to clear my credit history sending me boiler plate responses that my credit report is correct. However, I was never late with my payments, because the Dealer paid off the balance on time! I had a perfect credit history, and now my credit score is so bad that I wouldnt even be able to get another lease. HMF has to be held accountable for this injustice, and they have to revamp their processes for handling disputes. The advice to others is pay first dispute later.

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 2022-02-07
Company: EQUIFAX, INC.
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:
I mailed off dispute letters to XXXX, XXXX, and Equifax on XX/XX/XXXX to dispute collection accounts that are being inaccurately reported on my credit report. It has been more than 30 days and I still have no updates on my disputes and these inaccurate reports are still being reported on my credit report. These bureaus are not reporting or responding to disputes in a timely manner. These accounts need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXXXXXX OF XXXX XXXX Date XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: DISCOVER BANK
State: TX
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:
XXXX XXXX XX/XX/2022, I was in XXXX XXXX XXXX XXXX When I Returned, I contacted the customer service department of discover card. I inform the company that there were fraudulent transactions on my discover credit card. After the investigation the company found and reversed the transactions. This was a part of their resolution and sending me a new card. XXXX or XXXX the company decided to re-establish the charges and informed me that I have given a person permission to be an authorized user on the account. So, I was responsible for the charges. I asked the Company for the recording of my verbal signature or the document with my written signature giving discover and the other party permission to be a secondary authorized user. I have not received either one. I am still making payments on the account as of current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. XXXX XXXX  is reported with XXXX late payments which is impossible as it is taken right out of my check. The XXXX XXXX  is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. XXXX XXXXt should be effecting my credit bureau like it is. I trust u understand. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
First National Bank of Omaha allowed a fraudulent checking account to be opened in my name without a credit inquiry to verify the identity of the individual opening the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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:
Greetings, 

NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL

I am contacting your company in regards to an item(s) on my report 
that seems to appear to be a direct violation of FCRA Laws and fraudulent practices.
I have attached the account(s) with these errors and fraudulent practices:

(Please see supporting documents attached)

I would l like to break down the number of ways your company has violated and broken the law
1. Per FCRA you must verify and validate accounts with the original creditors, I have 
contacted US Bankruptcy Court and they have confirmed that they do not furnish any 
information to ANY third party entities and would only do so to government agencies. 
Let me remind you, that you are not a BUREAU, therefor you are not the government.

2. In conclusive to the above reference, the company that has violated Section 623 had no 
authority to furnish this information to you and I am requesting that this letter is 
forwarded to them as well for them to cease breaking the law

3. Your company has to date violated 15 US Code 1681 S-2 (a), and would then violate 15 
US Code 1681 S-2 (b) after this notice if you all choose to be WILLINGFULLY NONCOMPLIANT and do not remove this account from my report
4. Your company along with this unknown entity that has furnished this information has 
coerced with identity theft as I have not given ANY type of consent for you all to furnish
this account on my consumer report or to any third party; THIS IS AGGRAVATED 
IDENTITY THEFT IN ACCORDANCE TO 15 USC 1681-C2.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-02-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On or about XX/XX/2021 I opened up a savings account with TD Bank. They had a promotion which would give you {$200.00} if you deposited {$20000.00} in their savings account. I did this but never received the promotion. The terms of the the agreement were as follows. You must have kept the money in for over 90 days you couldnt have received a promotion from a savings account at any time. I comply with all of these requirements. The bank stated that I had to be Offered this promotion however this is not true and its not listed in any of the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: U.S. BANCORP
State: UT
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:
Prepaidgiftbalance.com is a scam. For XXXX my elderly mother purchased over {$1600.00} worth of cards - XXXX cards total - from XXXX ( XXXX ) in XXXX, UT. When we went to use them EVERYONE had already been spend at a XXXX in California ( we all live in Utah ). 

The XXXX web site does not assist with this issue online. They make you call XXXX. It took almost an hour to reach the first customer rep who " cancels '' the cards ( which is pointless, they've all been fraudently used and have a XXXX dollar balance ) and then transferred me to a " senior Fraud Specialist '' - well that's a joke. I stayed on hold for almost XXXX hours. 

There is no way to get help. My brother in law held for over XXXX hours and did get someone on the phone. She said it would take at least 90 days to resolve and she would be sending paper work out to him to fill out. But when you look online there are THOUSANDS of people that were not able to get help. 

This is outright theft.

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 2022-02-04
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: HYUNDAI CAPITAL AMERICA
State: MN
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:
I did a lease buy-out with Hyundai Motor Finance in XX/XX/XXXX. I received my title but upon when I visited the MN XXXX, they said I needed a taxes paid form along with a corrected title as they advised me to write an incorrect amount on the wrong line on the back of the title. I have been calling XXXX Customer Service since XX/XX/XXXX to resolve this issue and receive the forms. I am told time and again, in XXXX days I will receive the forms and never do. This is repeated again and again for months. Fast forward to XX/XX/XXXX and I am in car accident and my car is totaled. I can not receive the payout for my car because XXXX has yet to send me the corrected title and certified taxes paid form. I called again on XX/XX/XXXX and spoke to a supervisor XXXX who essentially told me that all customer service agents had lied to me over all these months as they do not send these forms without a WRITTEN request! This is the FIRST time I had been advised of this. I got off the phone and promptly emailed XXXX the requested information ( I just realized on the letter I have XXXX, a typo on my part as it is XXXX ). I called again on XX/XX/XXXX as I had not yet received confirmation of receipt of the email nor anything in the mail. I spoke to supervisor XXXX who told me that there is not a number to call to contact titles nor could he tell me had the information been received. He only said he will send an email and I would have to call back. It is now XXXX XXXX and I have not received any email or mail correspondence or documents. I called customer service again and after holding for XXXX minutes for a supervisor she told me that no supervisor would answer the phone and they must be closed! How can anyone solve issues when no one takes responsibility nor action in solving issues for customers?

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 2022-12-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last 3 years, overdraft fees of {$35.00} 3 times a day on the last day of the month for 36 months and that's {$3500.00} and would like that returned since wells fargo lost their lawsuit and was ordered to pay XXXX XXXX to rhe consumers...

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 2022-02-04
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PLEASE SEE ATTACHED COMPLAINT : XXXX has failed to apply the corrections regarding a charge off ( XXXX  XXXX ) account appearing in error and a name appearing in error ( XXXX XXXX ) despite two attempts. XXXX has used threats and XXXX against my family while enriching themselves with the sale and enrichment of themselves without providing just compensation to me or my family.

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 2021-01-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Back in XXXX I requested for XXXX XXXX  account # XXXX to send me their XXXX and XXXX regarding legal proof of the resale of the subject vehicle. They did send this information ; However the information that was sent stated a different amount other than the one that was reported on the documents. Also all the for last active dates are different and keep changing which is in violation of the FCRA. Due tot them consistently changing the last active dates it is causing the statute of limitations to restart, for this reason I would like this removed immediately from my credit report. If the credit bureaus do not remove this information they are in direct violation of the FCRA and the creditor is in violation of the FDCPA for reporting the incorrect amounts from what they are reporting to the credit bureaus.

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 2022-02-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: MECHANICS BANK
State: CA
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:
On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made eight bank loan offers on his own without my permission while I was waiting in the lobby to call me in

Company response to consumer: Closed with non-monetary relief