BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, PA to evaluate my XXXX XXXX XXXX that I am currently leasing it in order to determinate the equity on the car. Due to the maturation of this lease, I was getting ready to replace my ending lease with a new lease ; I choose a XXXX XXXX XXXX XXXX. They did all the paper words, I signed my application and their process begin. I check my credit report and I saw two Hyundai Finance inquiries, on my previous two lease I notice that they uses to do two inquiries, so, didn't surprise me. That day, they couldn't finalize all the paper word with their bank, so, they asked me to come back next day to finish with that and exchange my XXXX XXXX for the XXXX XXXX. On XX/XX/XXXX morning time, I returned a phone call from the dealership ; they stated that I have an outstanding balance with Hyundai from previous lease. I explained to they that I paid the Hyundai Finance already on XX/XX/XXXX. Then they started to question me about a loan that the saw on my credit score. Long store short. They said that they will call Hyundai Finance regarding the outstanding balance. When I hanged out, I did called Hyundai Finance directly. I told them what XXXX XXXX in XXXX told me about my old lease outstanding balance and they said that I was in good standing with previous and actual lease that they don't know where they got that information with an outstanding balance because that not what they see on their end. I asked for a copy of my pay off letter which was sent it to me right away. Once I get out off work, I passed by the dealership, I showed them my payoff letter and let them know I wasn't interesting in the XXXX anymore. They weren't happy about that, specially when I remind them that they are more dealership out there. Next day, XX/XX/XXXX. I received ten new notification from my credit wise about XXXX new inquiries. I thought, It must be a mistake, I called each of those inquiry company which each stated that they received credit application on my behalf from Hyundai auto but it was after I decided to don't go forward with the lease renewal. My understanding, they just want to show their power of making sure I won be able to get a car with another leadership for a while just because this minority old lady refused to take their car after they admitted that they were wrong about an outstanding balance and that annoy them.

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 2020-05-05
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 is missing that should be on the report

Complaint:
I've submitted proper documents stating that I was the victim of Identity Theft. Nothing has been done.

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 2018-01-17
Company: RoundPoint Mortgage Servicing LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?

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 2019-02-12
Company: Direct Recovery Services, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( XXXX ) XXXX is the number they tell me to call. They are calling from this number though XXXX. It is a recording telling from XXXX XXXX. Stating that my account is been audited internally and that I need to call their office immediately before schedule advancement of my account. This will be their final call. They call me every day different number. They call my parents cell phones 10 times a week. Stating i owe XXXX. Doesn't say name of debt collector. Website given to go to is 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 2018-03-21
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. 

After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Paypal Holdings, Inc
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone used my card and made purchases. This first happened in XXXX Now again 2 times in a row on XX/XX/XXXX. The refused to look into it saying it was pending except it wasn't Cause the money came off my card. Obviously the security they say they have is a joke. And their unwillingness to help me or protect my money is not a way a business that i trust my pay going to should work. They promised a supervisor would email me and that didn't happen. Still hasn't..and they still have not fixed anything from XXXX. This company doesn't train the employees about fraud or much anything really. Now my bills are past due my money is gone my daughters bday was today and cant even get her XXXX .Venmo doesn't even care!! Their security has to be better then this..so upset

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I purchased lights with my XXXX XXXX Credit Card which is backed by Chase Bank. I made the purchase XX/XX/XXXX. I had issues with Chase so I closed my account, ( paid in full ) around the first part of XX/XX/XXXX. The lights did not work so I returned them. I called XXXX today, XX/XX/XXXX to  find out what happened to my refund and was told it went back on to my account that no longer exist. I have been on the phone with Chase and XXXX for 57 minutes today and my problem has not been resolved. Neither have decided to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made a {$450.00} payment to Capital One with my debit card. The funds were taken out immediately but never applied as credit. I called in to ask what was going on but the only answer I get is the system put a 26 day hold on my account and there is NO one available who can tell me why. Ive made frequent payments on from the same debit card with no issue. I believe I am being punished for taking advantage of their cash back rewards. 
I made a large payment so that. I could continue to pay bills with this account, because of the hold, I now have to figure out how to come up with XXXX to pay bills before they get shut off and face more fees, the only option that was given to me by the company was to call my bank and stop payment on a charge that I legitimately made and I would rather not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
My car was totaled in an accident ( not my fault ) in XXXX of 2021. My XXXX XXXX XXXX paid XXXX XXXX in full plus {$2000.00} extra. XXXX XXXX will not settle this account despite taking the money. My mortgage applications are being denied because my credit report still shows I have this car ( and now 2 car payments ). I have begged and pleaded for 4 months and NOBODY not even supervisors are able to say why they will not close out this account and stop billing me for a monthly car payment.

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 2019-02-12
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been getting offers to refinance every couple month for the last 2-3 years and has been unsuccessful to unsubscribe from those. I get a run around between different teams who promise that would be the last time but in a couple month, I get a new offer. 

I want those offers to stop. 

Offer Reference number XXXX offer code 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 2018-01-14
Company: EQUIFAX, 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:
XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Security Credit Services, LLC
State: VA
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:
I received a summons in the mail to appear for court for a warrant in debt. I never got any calls or any written notices of the debt so there was never an opportunity for me to try to settle the debt or dispute it. I've never heard of the company before so I don't even know what it's pertaining to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions 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:
I have been contacting XXXX and Experian for years about updating my payment history on the XXXX  accounts. I have sent proof numerous times from XXXX  showing I have never been late on any of the loans. Since they can not /will not update all payment history to positive as it should be, I want them to remove all XXXX  from my credit report. I am attaching my current up to date loan verification letter showing NO zero late payments.

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has reported a 30 day late payment forXX/XX/XXXX on my credit report. The account is always due on the XXXX of the month and I 've paid it every time since opening the card in XXXX. As usual I entered a payment online before the XX/XX/XXXX due date using XXXX XXXX 's website. I believe the system had an error and did not process my payment. I was unaware until I saw the late payment on my credit report. It was a small payment and I always pay at least the amount due. The limit on this card is {$500.00}. My name is 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 2019-02-12
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX XXXX XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though XXXX. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently XXXX and it was impossible for me to enroll into that or any other school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear cfbp, I noticed a derogatory mark on my credit from XXXX last year. I wasn't aware of an outstanding bill to 06 XXXX XXXX  and I was never contacted about it. 

Nonetheless, XXXX ( the debt collection ) agency told me I could settle the account for {$55.00} and get it resolved on my credit report. I gave my credit card info over the phone and made the payment of {$55.00} on XX/XX/2018. 

Since then, I have repeatedly checked my credit report. The account / marks are still open / unresolved. I have calledthe agency countless times and they are extremely hard to get in touch with since no one picks up their customer line. 

EVERY single time I'm assured that they will close the remarks on my account. The last time I contacted them over the phone, they asked me to write an email request as well. 

Yet it has been months and months of waiting and calling and yet they won't close the account. I feel abused and they waste a lot of my time and this has been unnecessarily been hurting my credit for years. 

I am completely fed up with their behavior.

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 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The problem is with Capital One Bank not taking the loan payment. Neither from access directly to my checking by account with routing number or through a debit card After making several attempt 's to make a payment over the phone on my auto loan '' I have no internet access '', the amount is not deducted from my account. Now I'm told I am behind and the problem is not from me but the failure to take the amount I set to be deducted from my checking account. 
Every time now when I call and request an American rep they hang up on me. 
Each time my phone has been on the speaker and another person heard everything. I have a witness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CITIBANK, N.A.
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:
I checked my credit report and saw a debt that didnt belong to me I have reached out to Citi but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a consumer cellular phone they claim I owe them money which records show I paid in full but the reported it to the credit report a collection I paid the account in full again see attachment but it still on the report as unpaid I have sent proof over and it was paid including a letter from consumer stating its paid in full, also proof the XXXX XXXX is paid in full but still not up dated on the three crediting 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