BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Please see attached documentation to Hyundai. In summary, I paid for a lease in full when first receiving the vehicle, therefore I had zero payments for 3 years. When I turned in the vehicle, the representative said that I did NOT owe anything else. Then, 9 months later, I received a letter from Hyundai saying that I owed a turn-in fee because I did not get a new Hyundai when turning in the lease. I promptly contacted Hyundai and explained that I was not offered that option, but more importantly, the fee was already paid and clearly itemized on the initial lease agreement. They refused to acknowledge this, so I asked to speak to a supervisor to further resolve the issue- the representative refused to allow me to speak to a supervisor. Therefore, as a last option to clear the record, I submitted a dispute through the credit reporting agencies. They simply asked Hyundai to confirm the accuracy, as they of course did. So the credit agencies did not take any further action and allowed Hyundai to continue adding derogatory remarks to my credit file. 

I have decades of immaculate credit history with zero blemishes aside from this one. So this is not a case of the consumer making excuses- I am very good with credit. This is an issue of a company taking advantage of the consumer, and I suspect it is to squeeze more money out of the consumer to help Hyundai through the losses experienced during the pandemic. 

But perhaps the biggest crime here is that the credit agencies only take the word of the creditor and give no consideration to my word ( backed-up with a clean XXXX credit score ) and a lease agreement as documentation. As a consumer, I am helpless against Hyundai destroying my credit score. This is causing me damage when trying to refinance my home at a lower rate and also secure financing for my 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 2023-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian XXXX  XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-12-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian closed XXXX complaints without having addressed any of the problems and once again experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back but as usual experian gives explanations that are useless and have absolutely nothing to do with the problem

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 did not authorize none of these inquiries. I am not sure where they came from. I have contacted all the companies and they have no tied accounts in my name and nothing reporting on my credit from them. I want these removed please. 
Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX XXXX  : ( XX/XX/XXXX ) Inquiry made by : XXXX XXXX ( XX/XX/XXXX ) Inquiry made by : XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Inquiry made by : XXXX XXXX XXXX XXXX XXXXXXXX Car Sales ( 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 2023-12-14
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Frost Bank called to confirm if an online account had been opened in my name. 
I said no and they are to close the account. 
They suggested I report to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
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:
Im complaining on XXXX equifax and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  credit card to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX credit card refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i have a fraud alert on my profile for over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two different capital one accounts. Both are reporting incorrect information on credit bureaus XXXX XXXX and XXXX. Plus it is showing both accounts as closed when I repeatedly contacted capital one and made payments repeatedly in effort for it not to be closed. I am surprised to see the misinformation on both my accounts with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AMERICAN HONDA FINANCE CORP
State: AZ
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:
American Honda Finance Corp is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact American Honda Finance and all 3 credit bureaus about the inaccurate payment history on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went to XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX to purchase XXXX white XXXX charger XXXX XXXX pack that I discussed with salesman a day prior to me coming in. When I got there the car I originally wanted was gone, they sold it. I was getting ready to leave because they did not have what I wanted but the salesman talked me into getting the XXXX XXXX XXXX XXXX I proceeded to do the application as a consumer credit transaction with my name, social security number, date of birth, and provided work information as requested from dealer. They asked did I have a downpayment and I asked them did I need XXXX and they said yes. I said I was trading in my XXXX XXXX XXXX. They took pay off letter and said they were giving me {$10000.00} for the XXXX XXXX XXXX. They also stated the {$10000.00} would be used as the downpayment. I sat with the finance XXXX, he told me who approved through me ( Ally Financial ) and signed paperwork for vehicle and I left with vehicle and paperwork. At the time I did not realize the finance charge amount was inaccurate, the financed amount was inaccurate, and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), and that I had been abused and deceived. I called XXXX 's on XX/XX/XXXX to inquire about inaccurate finance charge, inaccurate amount financed, inaccurate monthly payment, inaccurate total payments, and a service warranty they put in amount financed that was not valid, and Illinois sales tax that I was not supposed to pay, and downpayment that I was not required to pay and they informed me I needed to speak to finance company ( Ally Financial ). I called Ally Financial and they told me I needed to speak to dealership. I let dealership know the Ally Financial said I needed to speak to them and they said someone will get back to me but no one ever did. I called Ally Financial back and they said someone will reach out but no one ever did. They followed up with a repossession order for my vehicle. I'm filing this complaint because the company has yet to return my call and I have the right to rescind this contract and I would like to do so.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the 3 Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After I paid my auto loan off it was reported paid and late 30 days. I disputed it several times. Initially it stated it was 30 days late in XX/XX/XXXX the month it was paid off. After disputing it the month was changed to current but the remark remains 30-60 days late. I reached out to Chase credit department and I was told that my credit report shows never late and they could not see the remark. I disputed it 3 times but nothing was changed. I reached out to Chase again and I was told it was late in XXXX XXXX and my checked was returned. I told them that was incorrect and I was told to send in my bank statement showing it was not retuned and my credit report showing the remark. I did and it still was not corrected on my credit report. My XXXX and XXXX report show never late but has a 30-60 day late in the remarks. Every month on these reports show paid on time. I do not understand how a credit report can show a perfect rating but has a negative remark. Since this has been on my credit I have lost accounts and limits have been decreased because of this negative and inaccurate reporting. So basically my XXXX and XXXX report show a perfect never late for each month but I remark of 30-60 days late without showing which month it was late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MI
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:
Multiple frauds-across multiple time frames

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 2023-06-12
Company: WELLS FARGO & COMPANY
State: CA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was stolen from my account due to identity theft and I am not being reimbursed. A new card was issued under my name in which it was picked up at a XXXX  shipping facility. They then hijacked my esim for my phone which caused me to have to change my phone number not to mention i was unable to make calls with my phone no receive them. The theives proceeded to make outlandish transactions using the new debit card and chase has denied my claims. The person also accepted the charges they made by confirming purchases with my cellphone number and managed to make transfers out of my savings account leaving me with only XXXX cents in my checking and nothing in my savings. I have been a chase consumer for over a decade and this has never happened to me before. My spending history speaks for itself, for I have never EVER even allowed over XXXX to leave my account in one day. I cant believe Chase was so negligent and allowed that much money to come out of my account in less then 2 hours. The spending limit is only {$3000.00} per day so they have a lot of explaining to do. I work too hard to save up that money and it amazes me how chase could let a crook swipe it away in a heartbeat.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 

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

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

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 2023-07-31
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting

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 2023-01-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with a collection and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

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

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

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 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
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:
Im disputing XXXX XXXX they have reported a payment as late I wasn't late XX/XX/2019 I closed this account a few years ago it is paid as XXXX balance owed the late payment is inaccurate I have already asked them to remove it in the past and they haven't abided and they violated my consumer law because they never gave me the option to opt out from reporting this information to a third party which is a privacy violation I have never been late please update to show no payment late thank you

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 2023-06-12
Company: ALLY FINANCIAL INC.
State: AL
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:
In XX/XX/2023 I emailed Ally Bank, regarding my auto loan, asking for my payoff amount on my auto loan. Their customer service agents are bullies on the phone and not to be trusted. 
I received a letter, in the mail, from Ally dated XXXX XXXX, 2023. It gave me a payoff amount and further stated that it should be paid on or before XXXX XXXX, 2023. I paid this amount, in full, as instructed on XX/XX/2023. 
So I receive another letter from Ally dated XXXX XXXX, 2023. It states that I still owe on this loan account. 
Isn't the amount given in the first letter binding? Please see attachments below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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