BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: HYUNDAI CAPITAL AMERICA
State: PA
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:
On XX/XX/2023, XXXX bought out my remaining lease from Hyundai Motor Finance using a payoff quote provided by XXXX  on XX/XX/XXXX which was valid through XX/XX/2023. Hyundai claims that the payoff quote was erroneous and {$400.00} short. I was not made aware of this issue until XXXX when a lien was put on me and my credit score ( which had been perfect ) immediately plummeted. 

I have spoken with Hyundai many times in XXXX and XXXX. XXXX finally agreed to pay the remaining balance of {$400.00} to close the account but Hyundai has still not closed the account and released the title to XXXX. 

Attached are all the relevant pieces of information you need to make this right and to help repair my credit. I can not access any financing as a result of a " serious delinquency '' that Hynundai put on my credit report, the result of an error by someone on at Hyundai. The alleged extra payment has been made but Hyundai is still being unresponsive. 

Thank you in advance for your help. 

XXXX XXXX Attachments 1. the payoff quote from XXXX XXXX Hyundai of XXXX from XX/XX/2023 showing a remaining balance of {$24000.00}, good through XX/XX/2023. 

2. the lease agreement with XXXX dated XX/XX/2023 showing the payoff amount of XXXX based on the quote. 

3. the payment history from Hyundai Motor Finance showing that the check XXXX paid to Hyundai was posted to the Hyundai account on XX/XX/2023 ( well within the " good through '' time period ) 4. a copy of the cleared check from XXXX paying the alleged remaining balance of {$400.00}

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX RXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2016-06-30
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America are stealing, lying crooks. 

I was approved for a Bank of America Cash Rewards Secured Credit Card On XX/XX/21. I sought to take advantage of a {$200.00} reward they offer ( https : //www.bankofamerica.com/credit-cards/products/cash-back-credit-card/ ) for spending {$1000.00} in the first 90 days. I was told multiple times that if I spent {$1000.00} on the card for them, I'd get {$200.00} in return. I spoke about this reward before, during, and after obtaining the credit card, with multiple sales and customer service people. I would not have chosen this credit card without the reward. I was even eventually told that I had satisfied the {$1000.00}, and could expect the {$200.00} in mid-XXXX. I was then told in mid-XXXX that the promotion had been erased from my account for some reason, and then they RE-ADDED it to my account, said I was applicable, and said I could expect it in mid-XXXX. 

Today, for the first time ever, now that I have given them what they wanted and spent {$1000.00}, I have been told that my card is not applicable for this promotion because mine is a secured card. I am looking right now and see nothing about exempting secured cards on the promotional site, nor did I see anything of that nature at the time, nor did anyone at BOA bring this up during my half dozen calls about my intention to receive it. And even if the promotional site did warn about " no secured cards '' ( which it does not ), they confirmed to me many, many, MANY times personally and verbally that we had a deal and I would received {$200.00}, which is its own free-standing promise. 

I explained all this today to a customer service rep, then to their manager XXXX, said I was going to file a claim here. They said they would feel ripped off too, said they understood that they lied to me, and then refused to do anything to help me. So here we are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
TRANSUNION is posting 3 inquiries i dont recognize and did not authorize. They are not connected to any active accounts. They requested FTC which i have provided and the 3 inquiries are still on my report and are impacting my score and life. Please remove these 3 inquiries. They are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
during the Pandemic, i got really sick, laid off and got behind at the end of my car note somehow they had me to sign a new contract. now a car that took five years to pay off added 5 more yaers and a whole XXXX i have already paid the XXXX, now the car is in the shop 5 years later i dont have the money to fix or pay another XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CARD Corporation
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my unemployment benefits using Card Premium checking account, I was able to at first withdraw part of my money and used my card, after few weeks they ( Card.com ) place a hold on my account and I tried reaching out. They ( Card.com ) will not give me a reason why this is happening and I also request they return my money to the Maryland department of labour so I can go claim it there but they wont listen and its over 6 months they still holding {$1700.00} of my money I want my money released to me or returned to the sender please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 until current year as of now. I have been out of work, and could not pay any of my bills. American Express knew about my situation. The Charge Offs with AMERICAN EXPRESS need to be verified, otherwise should be removed. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Informed company of inaccurate, inconsistent and non compliant information being reported to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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:
My name is 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 2020-02-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I placed a fraud alerts on my account so that Experian could not extend credit to anyone. This is the note on my account> XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

On XX/XX/XXXX this company ( a money lender ) XXXX  XXXX contacted experian and opened a fradualent credit line of XXXX dollars for an unknow person. As a result if this fraud, Experian changed my birthday and my address and extended allowed XXXX to give credit for {$5000.00} to an unknow person. 

On XX/XX/XXXX XXXX  XXXX XXXX called me to alert me that I was denied for a credit line that I request due to deliquent account. XX/XX/XXXX, was the first time that I was alerted of any credit being pulled although I have a Fraud Alert for seven years ( starting on XX/XX/XXXX ) on my account. No one from Experian called me to check per the alert instructions. And they allowed a company to get credit without my permission. 

I have filed a police report today on XX/XX/XXXX and contacted the FTC to let them about XXXX and the fraudulent charges. In total with late fees, there is {$5500.00} fraud total for due monies reflected on my account which are not mine. 

In addition, XXXX was able to change by birthdate and home address through Experian. I have been able to fix my birthdate with Experian but am still working to change my address and clear the fraudulent charges. 

My Fico score was not ffected with Experian. I urge consumers to review their full report frequently since Experian has allowed a company to pull my credit despite of a fraud alert for seven years.

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 2023-02-02
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My employer provided me with a skylight visa debit card 8 years ago, never had any problems until XX/XX/23. Payroll disbursed my weekly pay around lunchtime I viewed my phone and watched my pay depleting {$400.00} then {$140.00} and finished somehow removing the balance {$12.00} I sent in my dispute the same hour, they said they would do an investigation through the XXXX of XXXX. Today is the XXXX of XXXX they claim they found no error and refused to give me my money. Money was disbursed @ XXXX and hacked around XXXX while working in XXXX county , hacked occurred in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}

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 2021-07-26
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My identity was stolen in XXXX of XXXX by my ex wife boyfriend at the time. She had me falsely XXXX in XXXX and during that time her boyfriend had access to my phone, wallet, car and all my personal belongings. He gained access to my navy federal credit and debit cards and also my online banking. During this time he completely cleaned out my checking account until it was neg almost XXXX and ran my credit card up to over XXXX. Navy Federal is the lean holder to my mortgage and since this all happened I filed 2 fraud claims that Navy Federal has sided against me. I even submitted the police report along with FTC report regarding the identity theft of my accounts and they keep shutting me down and siding against me. 

Access number for account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the last time I will dispute this. Next I will be suing. This is not my debt. I have NEVER been in possession of a vehicle that had liberty mutual. No traces from the department of motor vehicles or tax offices in XXXX XXXX XXXX stating I owned, leased or rented a vehicle or home with them. The is complete fraud. At this time you are intentionally harming my credit and I am owed compensation at this point. This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, my mother was at an ATM when XXXX men came up from behind her, they were standing really close to her. While she was taking out the money she withdrew, they distracted her. She was frightened by the situation so she then took her " card '' and left. On the morning of XX/XX/XXXX, I received notifications that my bank account was in negatives.My mother and i share an account, so when i check, both of our accounts were in negatives, but my card was still in my possession. When i asked to see her card, we realized that it was not her card. I immediately called the bank to report the card as stolen, and attempted to explain a situation that i was very confused about. i wasnt aware that money could be taken out of my account with my moms card. The process to file the claim was very rigorous because the representative on the phone did not believe that i was on the account. While i was trying to explain the situation, more money was pulled from the account in the same moment that i was on the phone filing the claim. We waited the 10 days to see if anything had been resolved, the claim was denied due to no suspicious activity being done and because the withdrawls were done with a pin. I have filed for a review on the claim and it was denied again, but we dont understand why it was denied if there is even proof i have attached below that proves that we didnt make those withdrawls and we have a card that wasnt my moms. this card was used to make her think she had her card. I have called numerous of times and no one is doing anything to believe us. I asked if ATM footage was checked and they dont want to disclose that information, making it seem like the investigation wasnt done properly. 

Based on regulation E, i believe that wells fargo has been in violation and not in compliance.

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 2021-04-15
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has failed to provide proof with my signature showing they have validated this debt m. This company continues to violate CFPBs rules and regulations this company continues to disregard the rules and regulations as it pertains to providing this said debt with my actual signature validating that said debt correct and accurate. I have already provided proof to XXXX that this is not my debt and this debt was removed from my credit file. This company continues to report inaccurate and false information on my XXXX credit report. This company did not provide proof of any documents showing an ink signature on an actual contract indicating I have validated this debt and indicating I have acknowledged and obtained this debt. Instead this company provided a copy of a factious drivers license that does not belong to me and which has already been identified in my police report that is in file with the credit agencies, this item does not belong to me remove it from my file. Providing a copy of a drivers license does not substantiate this debt belonging to me nor does a copy of a drivers license indicate I have obtain this debt and validated that this debt belongs to me. As stated earlier I have already filed identity theft report which is located on all three of my credit reports please remove this debt this does does does not belong to me.

Company response to consumer: Closed with non-monetary relief