BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-28
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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 fiance and I purchased a XXXX XXXX in XX/XX/XXXX. We acquired a loan of roughly {$12000.00} from KIA Motors Finance with the term of 36 months. There is no pre-payment penalty. 

We have made every loan payment on time, and paid off the entire loan in XX/XX/XXXX. The account has been closed in XX/XX/XXXX. However, our lienholder KIA Motors Finance would not release the vehicle title. When we registered our vehicle at the DMV, it still shows KIA Motors Finance as a lienholder. It is almost 6 months after I have paid off my auto loan but our lienholder is reluctant to release the title. 

I have been repeatedly contacting KIA Motors Finance to solve this issue. I made phone calls in XXXX, XXXX and XXXX to their customer service department. I have also wrote multiple emails to their customer service in XXXX. Every time the representative verified my account is fully paid off, I am " all good to go '' and they are " working '' to release my title. However, no one will disclose to me why it is taking so long and when will my title be released. It is almost 6 months and they are still " in progress '' of releasing my title. This is completely unacceptable for a lienholder in the state of California. Lienholder need to release the title within 10 days of the account being paid in full. 

I need to move and I desperately need to sell my vehicle. But I can not because KIA Motors Finance is illegally withholding the title of a property that I have fully paid-off half a year ago. I am suffering huge financial loss of parking/not being able to sell my vehicle while I am away. Till this very day, no one from KIA Motors Financial is willing to let me know what is going on or when can I get my title.

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 2019-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I retired from XXXX in XX/XX/XXXX and took my life's savings andon XX/XX/XXXX, I purchased a rental property from Countrywide.  My monthly payments were $XXXX. which allowed me to make a profit by renting the house out. Then, in XX/XX/XXXX, Bank of America took over Countrywide.  They immediately added over two hundred dollars to my monthly payment which caused me to suffer financially but I still struggled and continued to pay them as agreed.  Not only did they increase my monthly payment but they increased the principal balance by nearly ten thousand dollars additional to what I agreed to pay Countrywide.  When I heard of the :'Loan Mods', I inquired to them about possibly getting one for my situation.  Especially since they just abruptly increased my monthly payment and I now lived on a fixed income.  Surprisingly, they said yes and to not pay them until they figured out the new monthly payment.  Approximately two months passed by and on XX/XX/XXXX, they illegally foreclosed on my property without my knowledge of it.  I try'd calling them when I hadn't heard from them after the first two weeks and all the BoA contacts that I had numbers for were no longer at the extensions that they gave me. I have statements and proof that I payed them faithfully up until XX/XX/XXXX, because that is what they instructed me to do!!!  I was not even told that they had set me up for foreclosure.  I went to my property only to find that the locks were changed and there was a foreclosure sign on the door..  All my appliances, which I purchased brand new, new air conditioning unit, furniture and complete rehab, - ALL GONE!!!!  Since then I have suffered many. many mental illness episodes.  I am currently being treated for XXXX.  I have been hospitalized several times and I am finally getting myself together  in hopes that maybe someone cares to right all of the wrong thatBank of America has done to me.  I have lots of documented proof!

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 2023-04-13
Company: LEXISNEXIS
State: IL
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:
Credit report agency has falsely used my personal information without my consent and is using it to report to other credit reporting agencies. I notified them to give information on how they received my information and they said from bankruptcy court. I reached out to courts and they have denied to disclose any of my information to credit agencies. I sent the court notice verifying that they did not release any information about me, so the credit agency is falsely using my information to report without my consent and I want this removed from my consumer report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Asset Management Outsourcing, 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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, has sent out a dispute letter to NationWide Recovery Service on XX/XX/2022 and they have failed to respond. I reached out to NationWide via call to confirm the letter has been received and it indeed was. I was told by a representative a letter will be sent out to me but I have not received a response from the company. I sent in a follow up letter on XX/XX/2022 regarding the matter and they have failed to respond to that one as well. If the collection agency ( Nationwide Recovery ) are attempting to collect a medical bill then my private health care information has illegally disclosed to one or more unauthorized parties without my consent, and absent my signed authorization. This is a violation of my HIPAA RIGHTS. The FCRA states that it's the Credit Bureau 's and creditor responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. It is prohibited to disclose private health care information by Credit Bureau 's, without the specific prior consent of the individual, under the HIPAA and State privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account with coinbase had a phone number attached to it that was not mine the website only showed the last four digits of the number. I went online to delete that number and update my number on the account and was instructed to enter the phone number associated with the account. Of course I had no idea what the full number was. I contacted them via email and they instructed me to set up a another dummy account an email them back with new account information and we could move forward. I went back online and their website wouldnt let me open another account. I emailed them with issue and they were investigating the issue and will follow up with me as soon as they have an update. That was XX/XX/XXXX. Ive requested an update twice via email since than and have had zero response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-07
Company: Upgrade, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called and request to have to account closed and closing bill issued to me on XX/XX/2023 the company bluntly and flatly stated that I could not request the account closed/ cancelled. I advised them that after the XXXX of XXXX I have no access to the card because I threw it out and attempted to closed the card down they bluntly refused. They used deceptive practices in clarification of what type of account this is. I explained that because I did not have the card I was not sure of the transactions and that I would like to report it lost or stolen they refused. The company on recorded like stated I had no right to close the account request/ report a card lost. I disputed the account as well because I requested the account closed in five different calls. The company then refused to provide me the bal owed via email or mail stating I had the balance owed. I was also mocked on the calls and laughed at on the line with team members XXXX, XXXX, and XXXX ( supervisor ) all and the XXXX Az Call center who stated that I could get no further resolution or escalate the call and no matter how many times I called they could not be escalated and there was no further supervisors or supervision for their department leading to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has been 30 days since this dispute was created and the company has not sent me any verification or validation of this debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TD BANK US HOLDING COMPANY
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:
XX/XX/XXXX : XX/XX/2020 A hard inquiry was made by XX/XX/XXXX for your credit file. 
XX/XX/2020 A hard inquiry was made by TD/BANKUSA/TARGET CREDIT for your credit file. 
XX/XX/2020 ( qty=3 ) 3 soft inquiry was made by XXXX XX/XX/XXXX XXXX XXXX for your credit file. 

My credit was locked, I don't know what happened withXX/XX/XXXX. 


XXXX XXXX XXXX XXXX : Some One change my Mailing Address : Correct Mailing and Residential address : XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. 

fraud Mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I suspect someone at this address ( XXXX ... XX/XX/XXXX ) is involved in fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23
Company: WELLS FARGO & COMPANY
State: IN
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:
This is a personal Loan through Wells Fargo. Made a payment XXXX on XXXX/XXXX/XXXX and it appears to have been applied by looking at the statement from XXXX/XXXX/XXXX, but that same statement says that I owe XXXX. The original payment is XXXX, but I always pay a little more. This same statement has another payment of XXXX which I did not make. I started the calling process as stated below : XXXX Spoke with  XXXX and was told that part of the office was closed. 
XXXX I call back and spoke with XXXX who said the money was refunded to my bank. That is not true because I have reviewed all of my statements and called my bank to make sure that that I did not miss seeing the refund. She stated she was going to initiate a form for research. Once completed she would call back and would leave a message if she could not reach me. I have not heard back to date. 
XXXX Spoke with XXXX who said she would look into my account and get back with me- I heard nothing to date. 
XXXX Spoke with XXXX who told me that the payment was not received so it shows XXXX outstanding. She did some checking and mentioned that it was refunded back to my checking account with Wells Fargo. 
That account was closed and has been closed for some time because I never used it. When I get online I can not see the account either. 

Every time when speaking to a representative I state that I made a payment and continue making my payments, but they are not being applied correctly. When I spoke with XXXX, I told her I sent a payment from my bank on XXXX/XXXX/XXXX, but she did not see that it had been made. Wells Fargo continues to charge me late fees despite me making the correct payment on XXXX/XXXX/XXXX. 

I want your help in correcting this 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 2023-04-25
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:
There are hard Inquiries on my account that I didnt give authorization to the companies and according to the law they should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: AFNI 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: Information belongs to someone else

Complaint:
I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 Checking account was closed with bank of america with no warning. I was trying to open an account with a credit union and was informed that my account was restricted by XXXX  ( XXXX XXXX XXXX ) according to the report the account was closed for Checking account fraud. My account was compromised and someone got into my account and apparently tried to deposit some funds without my knowledge.

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 2018-01-27
Company: EQUIFAX, INC.
State: CA
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 never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: WI
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:
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and Equifax and the item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I woke up this morning and my car was removed without noting and with a processed payment. One the car was taken from a location not on the pin levaung me and my daughter stranded. I was not notified if a repossession. No notice was given. I received and email in XXXX and since then have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NY
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:
i applied for a loan for my sons XXXX XXXX with XXXX XXXX they said they would use XXXX now there are over 10 hard inquiries on my credit report. 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. i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i applied for a loan for my sons XXXX XXXX  with XXXX XXXX they said they would use XXXX  now there are over 10 hard inquiries on my credit report. 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 i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX XXXX XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is zero and this debt has been released. Reporting a collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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