BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am attempting to buyout my vehicle from my lease. I have requested a detailed lease buy-out report so that my credit union can fund my loan. I have been approved for my loan. The details listed on the report provided by Kia do not add up to the " Total Purchase Price '' they request, and my credit union will not fund the loan based on their incomplete documents. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been transferred back and forth between lease end and customer service multiple times. I have been told that the numbers don't add up because " it's in the contract '', that " I should just know what the extra amount is '' that " It's the purchase option fee '' that the " Purchase option fee will be charged later after they receive my payment ''. I have been told that it's my fault because I haven't been clear that I want a document wherein all the numbers add up to the total. Ihave been told that the " Total Purchase Price '' listed on their report isn't really the purchase price, and they will send me an addititonal bill after they receive my final payment. All I have asked for is a report from Kia wherein their details add up to their total. The best I get is a promise to request a document from lease end. All I receive is another document that doesn't add up. I have spent over 5 hours on the phone with them and been hung up on three times.

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 2019-07-03
Company: UHG, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me 15+ times a day and has now started calling my parents  on both their landline and cellphones. They dont ask my parents  for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.

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 2019-02-13
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
XX/XX/2018 I filed a police report and mailed the police report to Experian with my drivers license, a copy of a utility bill, and a copy of the police report. I had a fraud alert put on the Experian account. These are the following accounts listed. 
XXXX XXXX XXXX  XXXX XXXX {$3000.00} balance XXXX XXXX {$720.00} balance XXXX XXXX {$730.00} balance XXXX XXXX XXXX XXXX   {$7400.00} XXXX XXXX XXXX {$1100.00} Also attached in the photos are an example of an account that was removed and then readded

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 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, someone hacked my Capital One account and made an unauthorized transfer of {$520.00} through XXXX to someone named XXXX XXXX ( XXXX ). I called on the same day to let a capital one representative know that an unauthorized transaction had been made on my account. They filed a claim report and told me I would get a response within 10 business days. They did not restrict further transactions to that particular XXXX account. On XX/XX/XXXX, the same XXXX account XXXX XXXX stole another {$100.00} ( that was all I had in my checking account ) that I had deposited on that same day. On XX/XX/XXXX, Capital one denied my claim for fraud on the {$520.00} and refused to re-open the case even though there was now a second fraudulent claim of {$100.00} on the same account. They instead told me they would review the {$100.00} fraud. I have now lost {$620.00} from a bank that I trusted and have made numerous transactions through without ever complaining about anything. The customer service and the inability of Capital one to protect their customer from not only one but two fraudulent activities on my account has caused me insurmountable distress and stress as to how to pay my rent. I wish Capital One could have reviewed my account more in-depth and figured out that this was an account takeover. I wish the customer service had transferred me to the FRAUD department on XX/XX/XXXX and did everything in their power to protect my hard-earned money. If I had deposited {$1000.00} instead of {$100.00} on XX/XX/XXXX, I would have lost {$1500.00}. Capital One could have avoided such immense collasal loss as a low-income student by going above and beyond to protect my account and they have failed me and put me at great risk for non-payment of rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is currently pending on my credit as " derogatory '' even though I paid the full amount of settlement. I was promissed that it would be closed on my account as " settled. '' The " derogatory '' status has greatly decreased my score.

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 2018-01-04
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
There were charge offs applied to my credit score that I was n't notified about after i made payment arrangements with paying off my balances. I told the company during a time of financial hardship that I would be able to pay off the balances within a couple months. The called my job, even hired debt collectors and lawyers to constantly call me while I was at work even after i told them they would need to stop. This is getting ridiculous and I would like both of these companies questioned based upon their collections attempts and not respecting the time window i 've asked to contact me by. Due to the constant calls at work and on my office phone and constantly on my cell phone ( which I used for personal clients ) during work hours I was given a poor review and had to leave my job and resign.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on Equifax and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Receivables Performance Management, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contacted XXXX Receivables performance management LLC in regards to a XXXX XXXX bill in the amount of {$1500.00} account # XXXX that is not mine. This account has stopped me from receiving a loan from my bank and is hurting my credit score. They have refused to provide proof of any documentation that shows I opened this account. It has been well over the 30 days to do so. I felt pressured by the collector to pay debt that I do not owe. Ive asked them to remove it and stop reporting it and they have refused 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-05-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Approximately XXXX XXXX, 2021 I applied for auto financing with Dealer : XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) )XXXX XXXX sent the request to JPMORGAN CHASE BANK, N.A.XXXX On XXXX, XXXX 2021 JPMORGAN  CHASE BANK sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a right not a privilege. JPMORGAN CHASE BANK, N.A has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: NM
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 XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed Arbor Professional Solutions, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
From XX/XX/XXXX to XX/XX/XXXX my Transunion credit score dropped XXXX points from XXXX to XXXX. I am a credit customer of Transunion and i immediately checked my credit report. I found nothing derogatory. I called Transunion and spoke with several people they looked at my credit report and no one could provide any kind of answer. I wrote letters to my servicing office and the Transunion corporate office. I received no direct responses other than sending me a copy of my credit report. which i obviously already had. 

what am i to do next? 

thanks 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 2022-04-05
Company: EQUIFAX, INC.
State: MD
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 a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Are used to have an account with Citibank and I closed all of my accounts with them but I still receive a charge of about {$100.00} that I owe them although I have close my 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 monetary relief
Consumer complaint received 2021-05-17
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got first notice of debt on credit report. I call GLA collection in XXXX ky and asked about credit report. Was told my old address XXXX  where they were sending statement and statements not forwarded. I gave them my correct address, they offered settlement. I asked verification of debt. Was told not their problem. I sent email requesting verification, giot a print out of amount owed. No who, when XXXX just amount of each account. I started paying known accounts and asked verification on unknown. They refused again. I have paid more accounts and they agreed to withhold reporting until XX/XX/XXXX to give me time to pay. I have been paying XXXX and today XX/XX/XXXX I see 10 of those reported to credit agency. I am XXXX and paying as I can, they know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
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:
I sold a XXXX solar system to a client for {$32000.00} paid in two separate installments of {$17000.00} and {$15000.00} using XXXX as the purchase intermediary and payment processor. Prior to delivery of the equipment and completely unbeknownst to me ; the buyer requested a credit card chargeback of the {$15000.00} payment and yet still took delivery of the equipment! That is out and out fraud. 

I was never aware of the charge back request at any time until a week AFTER the customer took delivery and signed off as accepting the merchandise in perfect condition. Once I was made aware of the issue by XXXX, I contacted the customer and informed them that I was bringing legal action against him for fraud. He attempted to portray that entire incident as his bank 's fault and " a big misunderstanding. '' He informed me that he had contacted Chase Bank and they were processing the reversal of his charge back request. 

I have been completely shut down in my business due to this incident that is entirely outside of my control. I did exactly as I agreed to do and I delivered the merchandise in perfect condition. I have other cash payments and other customers that have had their purchases halted because XXXX has frozen all of my accounts while waiting for confirmation of the reversal of the credit card chargeback request. I have been told that it could be 2-3 MONTHS before Chase Bank and XXXX process the reversal and allow me access to my own money!!! 

That is not fair, and most likely not even legal and adhering to current banking laws. In the 21st century, when financial institutions can authorize and send money anywhere in the world in a fraction of a second ... they should be able to REVERSE a transaction quite easily. They should not be allowed to freeze a small business owners accounts and put them out of business while they take their sweet time to process the reversal of a charge back request. I am requesting that the federal government get involved to address these arcane, patently unfair and totally outdated financial institution practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
sync bank was told to close account for fraud last XXXX and has closed the accounts, however, they were paid before sending me the notice over 650. They keep sending me checks for the wrong amount and continue to refuse to send payment via another means.They keep sneding me legal huff and puff but no payment whatsoever in the correct amount. 

I recieved a check close to one account and tried to cash it at three banks. sync bank dba XXXX XXXX XXXX client bounced the check. At the very least thier subsidiary, walmart, should be able to cash the check. 

I demand immeadiate payment via wire transfer.

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 2017-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

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 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for validation for XXXX, and XXXX XXXX as I am no longer responsible for these accounts. I have called they credit card companies and am still instructed that disputes have to go through the credit reporting agencies. I am no longer liable for XXXX account, XXXX account, nor XXXX XXXX account. I have asked the reporting agencies if they can not furnish proof that these damaging accounts belong to me and are 100 % accurate they must be removed.

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 2017-10-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is alleging that I have an outstanding balance of {$3800.00} to medical providers for services rendered to me in the year of XXXX. Just to give you a quick background of this company. In XXXX ( if memory serves me correctly ) I contacted XXXX to settle a debit from a medical provider that alleged to have rendered medical treatments. At the time I was trying to clear all debts that was posted to the credit bureaus to obtain a government security clearance. I went ahead and paid off the debt. After settling the debt and receiving a clearance letter, it was discovered that the medical treatment was given to my daughter. At the time of service provided, my daughter was of legal age to settle her debts. My daughter did not have medical insurance and because previous records had her as a minor the provider billed me. Recently a mortgage lender provided me and my wife with an updated credit report, I again was surprised to see XXXX posted to the credit bureaus ( actually just XXXX ) a delinquent account. I contacted XXXX and disputed this account and sent in supporting documents showing I did not receive any treatment from the creditor. XXXX wrote me back and stated they notified XXXX of the dispute. They also said XXXX had 30-45 days to prove I am the account holder. Yesterday, I received a letter from XXXX stating they had confirmed the outstanding balance and listed 3 creditors ( see attached letter ). I wrote a responding letter to XXXX and again provided more detailed supporting documents to prove my claim. I am at my wits end with this company. They refuse to delete the accounts from my credit report. Is there anything more I can do? I have worked very hard to clear off every debit Ive owed. But I will not be bullied into paying this company another penny! Im very meticulous when it comes to my paperwork. Thanks for your 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