BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I reached out to KIA Finance to see if they could change my due date. They informed me that they had processed a due date change in XX/XX/2021 and that I was only allowed one per calendar year. If that were true I am only 13 days from eligibility, but would have to submit late payment once again to process the change. I told them I understood that but has no control over how and when my household get paid and we are having to use all 10 days grace plus a few days in order to submit payment. This does not make us more than 30 days late for credit reporting purposes but it does incur feeds and the collection phone calls are unrelenting, late in the evening and also multiple times a day. I have never broken a promise to pay, and have also set up payments online in advance and they still will call nonstop. I am positive that once I tell them or promise to pay they must stop calling unless I break the agreement which I never have. I also asked for a month 's deferment if they would not change the date so at least we could have time to set the payment aside, they refused. The manager I spoke with was condescending and seemed to think that there was no issue. I am exhausted from trying to get any help, KIA seems to be very non-responsive and I am regretting ever financing with them if this is how they treat customers that reach out for help.

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 2023-07-28
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: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2020-06-15
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I currently have my personal PNC account connected to an app called XXXX that will take round ups of money spent and invest into stocks for you. I just recently started another PNC account and when I tried setting that account up on XXXX  I was notified that PNC has changed something that does not allow for their customers to use XXXX  anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been receiving threatening emails and login-pop ups about negative credit reporting to my bureaus if I am unable to make my account current as I believe at the time was 30 days late. I saw on Bridgecrest 's website that they offer an extension where I can roll my XXXX payments to the end of my loan making me better than current. I applied and was told it would be decided in XXXX hours, that didn't happen. I kept calling all of last week and over the weekend and to final avail, nearly a week after asking for it, I am told WITHOUT REASONING it was denied and now I am late. I was assured over the phone that my credit bureaus will not be touched by Bridgecrest hopefully on all recorded phone calls. 

Today I received some rep who was very confusing to speak to and kept making demeaning statements to me and then kept saying " yeah '' after everything. The frustration and lack of understanding led me to terminate the call and to seek the CFPB 's help in finding out why I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
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:
USAA FEDERAL SAVINGS BANK HAS ILLEGALLY DEFRAUDED THE CLAIMANT BY ADMITTING ON XXXX XXXX XXXX THAT MULTIPLE ILLEGAL VISA CREDIT CARS WERE OPENED BY CYBERCRIMINALS AND FINANCIAL THEFT HAS BEEN UNRESOLVED FOR OVER 12 MONTHS WITHOUT CLOSURE 
THIS SERIOUS HACKING OF MY EXCELLENT NAME AND CREDIT RATING IS OUTRAGEOUS AND EXTREMELY FRUSTRATING AND THE TERMINATION OF ALL ACCOUNTS IS REQUIRED BY THE CLAIMANT IMMEDIATELY 
THIS MATTER HAS BEEN REPORTED TO THE FBI IN XXXX XXXX TEXAS AND THE 
FBI IN XXXX XXXX NEVADA IN CHARACTER ASSINATION IN ILLEGAL XXXX  INDEMNITY 
THE CONSUMER FINANCIAL PROTECTION BEAREAU MUST INVESTIGATE ALL FRAUD AT
USAA BANK  WITH ALL FRAUD DEPARTMENT OFFICIALS INCLUDING XXXX XXXX IMMEDIATELY AND REQUIRE A WRITTEN CRIMINAL INVESTIGATION WITH REPORT TO THE VICTIM OF IDENTITY THEFT AT 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
INVESTIGATE WITH IMPUNITY IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
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:
They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2020-06-15
Company: LTD Financial Services, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have sent this company certified mail three times since XXXX and asked for proof this debt was not paid and they never give me the information Im requesting but they keep sending me 100 things in the mail to pay it but are refusing to give me proof. I have all 3 certified mail receipts to prove they in fact received my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I open my XXXX report and payment history, there is still showing a current balance of XXXX XXXX against my name. But I have paid the entire amount XXXX XX/XX/2022 and getting the clearance certificate from XXXXXXXX XXXX  XXXX XXXX. 

The showed balance still effect my XXXX  score. Please update my status,

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 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently submitted a claim about a garnishment on debt that I received requesting more documentation. The documentation provided back doesnt make sense. If the original debt was purchased in XXXX, and I supposedly missed a court date and the garnishment got defaulted to Portfolio Recovery and they state the garnishment was sent in XX/XX/XXXX years later and now Im being garnished in XXXX for the same supposed garnishment that was sent in XXXX something doesnt add up. I would think first and foremost this debt would be over the statue of limitations and secondly I need more information on what was sent and where from XXXX to current that would justify a garnishment 6 years later with no information provided to me in that timeline or chance to respond to the claim. The letter that was provided in part to there response is dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery keeps calling after I specifically requested a written validation of the debt. I requested that they not call me any further until I have written validation sent to me. They called me on XX/XX/XXXX and I requested the written validation of the debt and for them to cease calling until that time. They called me again XX/XX/2023 from a number that is verified to be from Portfolio Recovery. I want the calls to stop and them to honor the FCRA. I do have the call recorded when I requested them to validate it. I will attempt to attach it here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.

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 2023-05-27
Company: Bread Financial Holdings, Inc.
State: AE
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 Federal Credit Reporting Act XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi bank credit card company agrees they owe me a refund of {$5.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails, phone, and online chats indicate they will send the money, but it never arrives. Companies such as this one prefer not to apply refunds to the balance I owe them. Apparently, their policy dictates that refunds need to be sent by post. What is holding the process?

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 2023-07-28
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: Information belongs to someone else

Complaint:
I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-05-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The outrages overdraft fees, and the constant charges that they do is unbelievable. I have so many overdraft charges on my account. Its just to much. And just plain fraudulant. I

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 2022-07-21
Company: Albert Corporation
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I opened XXXX XXXX account on XX/XX/2022 under the following terms : - Direct Deposit $ XXXX every 30 days for 90 consecutive days - Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days After completing those terms, the account should be credited with the {$500.00} referral bonus.

I completed those terms already and still have not received the {$500.00} bonus.

Please advice.

Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I requested a decrease in the interest rate on my mastercard. The rate is 31.24 %. I have been a customer of this charge card since XXXX. The card was a store card then changed to a XXXX  card. I have never missed a payment and have most of the time paid more than the minimum amount due. I have a XXXX  score of XXXX according to the credit card. They refuse to decrease the rate because of what I signed in XXXX. I would think that the store card transfering to XXXX would void the original agreement. I believe it is unfair that the company can not reduce the interst rate that XXXX  years ago was a penalty rate.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have sent in a police report and and and my company prove that date i have work but they not response the metter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio started report a debt that I did not own. Originally debtor per the credit report a bank that I never dealt with. Account was opened in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.

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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Multiple times in the last few months someone has tried to open credit cards in my name at different credit companies. This includes Chase, XXXX XXXX, and a company called XXXX. I have my credit reports locked and have multiple fraud alerts set up so I usually call the co.pany to inform them of the fraud. But there needs to be a better system. There should be a way to set up a block so someone will be immediately rejected from opening a card in my name. And the credit card companies shouldn't be asking me for more personal data when I call to report the fraud. My information was stolen from XXXX of these supposedly responsible companies to begin with and I don't trust giving them any more of my data! And yet they all insist on asking for my social security information!! And these companies won't give me any information on who may have opened the application, how or from where!! 
I do know that whoever has this information is located in the XXXX XXXX because they keep trying to break into my email from that country when this occurs. I can track that attempted access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
An Application for a credit card was made in my name and SSN on XXXX Application # XXXX it was denied. I made a police report to my local police XXXX County police Report # XXXX office XXXX XXXX XXXX. 
Sent a request to Discover card for a copy of the credit card application information. 
To obtain this information it was required to submit proof of my ID and a copy of the police report with a written request for the application. 
Upon receiving the information I attempted to follow up on IP Address : and addresses that were in the application. Called local XXXX county Police and spoke with Officer XXXX, she informed me to register my complaint with IC3.gov. since there has been interstate violations, which I completed.

Fraud alert has been posted on my account with all three reporting agencies. 
Received notification about another incident from XXXX XXXX  yesterday Ref. # XXXX. Called XXXX XXXX  the application was denied. 
I was told to be able to recieve a copy of the application with XXXX XXXX  I had to show proof that I have report these incidents to your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred funds into CashApp and a significant portion suddenly disappeared without explanation. I contacted their online support services. This is the explanation they offered We can confirm that an impacted transaction due to the error occurring between XX/XX/2023 and XX/XX/2023 has been resolved and your account has been adjusted to reflect the correct balance. The funds deducted from your account were the funds you previously used to make a payment with the merchant, but which were then incorrectly returned to your account due to a technical error. 

I have repeatedly asked them to provide me with the information they used to make this decision. I have followed all their procedures and they wont send me information so I can verify the accounting. I believe they are wrong, but I cant do anything since theyve refused to send me proof of this error that caused them to take my money. They tell you to do x, y and z to fold a dispute and when you do it they completely ignore the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: VA
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:
CITIBANK has not tried to resolve the inaccuracies on my credit report. I have been trying to contact someone since XXXX. The last complaint filed, I receive a response stating to give them a call, I called the number that was provided, left a voicemail and have not heard back. This company refuses to assist me with how they are reporting and at this time if the information is not updated correctly I will seek legal action. They continuously hurt my credit score with the false information thats on my credit report for XXXX, XXXX   and XXXX. I'm trying to buy a home and this is my way of moving forward. XX/XX/2019 should be the only past due payment. The many times that I have tried to correct this there is no hope but to sue this company. 

With XXXX  they are reporting 5 late payments, XXXX   shows 1 late payment and XXXX  they are reporting 2 late payments. This information is incorrect and again I have tried to resolve this with no assistance. It seems as if no one at Citibank cares, cant read and definitely and are ok with giving incorrect information on customers credit report.

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