BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The issue is with Kia Finance. Due to the pandemic, I was unable to pay my installments due on XX/XX/XXXX and XX/XX/XXXX. I contacted Kia Finance starting XX/XX/XXXX to request the payment to be deferred and they said they would be deferring my payment to the end of my loan. When I called on XX/XX/XXXX to do the same, they said that my prior payment, which was supposed to be deferred was extended so I needed to call again to request my XX/XX/XXXX payment to be deferred too. After that, I have called and spoke to the customer services agents multiple times ( I am not exaggerating when I say I called more than 20 times ) At the end of every phone call they agents would say that my payments were being deferred without penalties to the end of my loan. I was able to restart making my payments on XX/XX/XXXX so I paid XX/XX/XXXX installment online, as before the pandemic, counting that my other two payments were deferred. My online account didn't say anything about my account being past due. On XX/XX/XXXX Kia Finance called saying that I was late 2 months and I had to make a payment of a XXXX and dollars and something else, and that is not counting the upcoming installment that is due. After more than an hour phone call, they said that now I only need to pay XXXX, that includes XXXX late fees and if I wanted I could call another phone number and ask for assistance at a different department. They expect me to pay this month {$1000.00} to have my account current which include XX/XX/XXXX installment ( XXXX ) that I have scheduled to pay on XX/XX/XXXX and XXXX for a prior LATE payment with LATE PENALTIES, which should have been deferred to the end of my loan without penalties. I called the number provided ( XXXX ) multiple times since XX/XX/XXXX and no one answers, they computer answered and put me on hold for 45 minutes before getting disconnected. 

Today, XX/XX/2020, I spoke over the phone with XXXX ( ID XXXX ) she said that my XX/XX/XXXXpayment was applied to a prior installment, one of the ones I requested and they agreed to be deferred, therefore I am late and I need to pay late fees. After 2:06 hours on the phone she said that she would send a request to have someone else calling me next week.I have heard this before and they NEVER call me back. 


So at this point, I need them to fix my account. I should have those XX/XX/XXXX and XX/XX/XXXX payments deferred WITHOUT LATE FEES to the end of my loan. And if I need to make any payment now, I will find the funds to pay for it WITHOUT LATE FEES. It is not right they are profiting for mistakes they made.

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 2021-11-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of XXXX, I authorized a charge on my credit card with Citibank for the first part of a move from XXXX, XXXX to XXXX, XXXX for a third party. When the move was completed, the third party disputed the remainder of his payment due to a breach of contract with the moving company, XXXX XXXX XXXX. Since they did not fulfill/complete their contract as agreed, the third party was not going to remit payment. However, since I had authorized the initial payment, XXXX XXXX XXXX requested payment from Citibank for the final payment and though I disputed it before they released the funding, Citibank paid XXXX XXXX XXXX {$4700.00} from my account and I have been making payments since then. I have disputed the charges and submitted my reasoning to no avail. Citibank has also been charging me monthly interest on this debt that is not mine. 
When " investigating '' my dispute, Citibank allowed XXXX XXXX XXXX to provide a contract between them and the third party as proof of my obligation to pay. However, my name is not on the contract anywhere. Instead of negotiating with the third party, XXXX XXXX XXXX stole the money from my account and Citibank gave the money to them without my consent. I have been paying more than a year on a debt that is not mine in order to keep my credit from being destroyed. 

XXXX XXXX XXXX did not fulfill their contract with the third party and charged me when it was not my contract, not my debt, instead of negotiating with the individual with whom they had the contract. I only offered my credit card initially because the third party did not have one and only had cash. 

Citibank knew before they ever stole the payment that I disputed the charge and it was not my debt. I have contacted them on numerous occasions and they have ignored my attempts to be reimbursed and have the charge and all interest returned to me. 

When I made phone calls and attempted to contact the card company through the chat option, I was left on hold, given false phone numbers and told that once a company has my credit card information, they can charge me any time they like and there is absolutely nothing I can do about it, except cancel the card. 

I feel like this is not only dishonest, but it is theft and I want to know what recourse I have. I also feel, after the way I was handled, that this is common practice for Citibank. How many other people have been stolen from in this manner? And they are receiving interest on top of it! 

I have screen shots of chats on the Citibank site, as well as written documentation of letters I have sent to them in XX/XX/XXXX and 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
Please see documents Attached

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 2023-03-10
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At or around XXXX XXXX someone, I believed to be a friend of mine, arrived at my residence. We traveled to XXXX XXXX XXXX XXXX in XXXX, OK. 
When we arrived at XXXX XXXX XXXX XXXX ; I exited the vehicle, entered the casino and processed an ATM withdrawal of $ XXXX. We then began gambling. 
At some point I noticed my phone was missing. I then began to search for said person so that we could got check if my phone was in the car. I found my phone between the center console and front passenger seat. At that time, we agreed for her to drop me back off and left. 
A couple of days go by, and I went to use my Current Bank debit card for something and realized it was missing. I went on my phone to pause the card and that's when I found out about all the fraudulent transactions that had been made with my card. My account has been completely drained. 
XXXX I contacted said supposed friend via text message. When I questioned hee about the missing Current Bank debit card and the unauthorized debit card transactions, she admitted to making them. I told her that I was contacting XXXX XXXX Police Department, Current Bank and XXXX 
I filed the report and contacted both institutions. I provided both institutions with a copy of the report, and they both are giving me a huge runaround. Both institutions are claiming that their investigations " found no error ''. They don't want to credit my $ back, even though I followed due process. 
This is ridiculous. I've been doing research, and what these institutions are doing to me is unethical and illegal. 
I am a victim, and am being treated as if I'm the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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:
These accounts do not belong to me, please remove under 15 USC 1681c-2.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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 2023-03-11
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There's incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!

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 2023-08-21
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I contacted equifax on XX/XX/23 about some personal information that wsnt mine and needed to be removed to make my report accurate. I have not received any information in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

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

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
This company has blatantly violated my consumer rights and has not responded in 40 days. On XX/XX/XXXX my vehicle was stolen while I was out to eat with my family by a unauthorized third party that was not a witness to the contract and had no legal ties to the vehicle. The company contracted a company to perform a skip trace on me which was not in the contract and I didn't consent to. I was behind on payments due to the pandemic and was getting the money to pay. I had the vehicle since XXXX and never had the vehicle taken before. After my vehicle was taken I called the company to see how much I had to pay and where my vehicle was so that I could retrieve my belongings. I was denied this information unless I agreed to pay a ballooned payment that included extra fees which made the amount jump from {$1400.00} to {$2900.00}. When I came up with the money to pay I was told that I would also have to pay storage fees to the tow company. The car had already been there for 20 days and I couldn't pay that as well so no information was given to me. I was never given the name of the 2 unauthorized parties ( collection company and tow company ) until after the vehicle was already sold at auction. From the moment the vehicle was taken I have received no notice of repossession which I required by law. Also I never received any notice of resale of the vehicle which is required by law. I have received no information as it pertains to how much the vehicle sold for or a remaining balance, but it reflects on my consumer report. I notified the chairman 's office multiple times about these violations and no response has been given. Also I have still yet to receive any of the before mentioned documents even after I notified them. This company is also in violation of many consumer rights defined in the FDCPA and FCRA which I will attach in a separate document. This company does not care that they violate a consumers rights and will not give a timely response for something they know they failed to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well. 

However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments. 

Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loancare did not respond to my request to remove PMI in a timely manner, thus charging me additional months of PMI. I submitted the request on XX/XX/XXXX and received an automated email with confirmation and that I would receive a response in 10 business days. I did not hear a response and XXXX, I contacted customer service. When I finally got in touch with a representative, she confirmed that the request was pending, our conversation was cut short because the call was disconnected ( she hung up on me ) and I did not receive a call back. Due tot he amount of time it took to get through the automated system and to a person, I could n't spend 30 minutes trying to call back. I assumed that since the agent had confirmed the request was there, it would be removed. On XX/XX/XXXX, I called back and reached an agent who told me that they will not remove PMI until they have 12 months of payment history. This was not disclosed when I opened the loan. I asked to speak to a manager and was told all are busy. I could get a call back in 24-48 hours. The whole operation seems designed to not allow you to talk to anyone. Trying to contact customer service is frustrating - their automated phone system seems designed to make it very difficult to route to an actual representative. If you enter in XXXX invalid options, the system hangs up on 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 2023-07-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was told that Wells Fargo had a law suit to repay overdrafts from 2022 up until now they never contacted me and I spoke with someone at a branch and they said the law suit was not in place when I know it was

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 2018-03-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.

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 2023-03-02
Company: Monterey Financial Services LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$11000.00} Balance updated XX/XX/2023 Original balance {$7800.00} This is a fraudulent account in my name. I have disputed this account online, Over the phone repeatedly. I've asked for this to be removed as it is not mine and is causing my credit to be bad and has been for years now. It affects my housing and my financial needs .I need this removed. It is not fair I have this debt on my credit considering its not mine. I have no knowledge of this. The balance due keeps going up and my credit keeps going down. 

Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CULLEN/FROST BANKERS, INC.
State: TX
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 didnt no apply for frost bank account and i have the dispute open with XXXX  and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my XXXX report .... the dispute in question is frost bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud

Company response to consumer: Closed with explanation