BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: HYUNDAI CAPITAL AMERICA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, My name is XXXX XXXX and my complaint is regarding a car that I have leased for four years from Hyundai/Kia. At the end of the lease term I was sent a bill in the amount of {$2500.00} which I paid onXX/XX/2021. Shortly thereafter I made that payment and received confirmation that from my bank that the payment was withdrawn from my account. The representative from Kia Finance made me aware that my account would be credited that same day and that I would received a satisfaction letter in the mail. The following weeks continued to received late notices from Kia indicating that I have missed a few payments even though I paid my balance as a result my account was reported as delinquent and late! which has cause my credit score to decrease dramatically! I spoke to a representative with Kia Finance whose name was XXXX on XX/XX/2021 - he advised me there an error made on their end when they took my payment for XXXX. The error was that they posted my payment and credited it to another customer 's account instead of mine. They offered a resolution to remove the derogatory mark from my credit report and properly credit my account with the XXXX payment that I made to them. I was promised a phone call however I haven't heard from anyone. I need your help to hold this institution accountable for messaging up my credit rating! 

This is joint account with my mother XXXX XXXX XXXX whose credit was also Impacted. 

The creditor is Kia Finance Address : XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX, CA 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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14
Company: CITIBANK, N.A.
State: CA
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  has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-06-30
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or about XX/XX/2020 -- Buyer 's Attorney and Settlement Agent for the Transaction forwarded an incorrect Closing Disclosure to us as the Sellers, presumably from the Buyers ' Lender NJ Lenders Corp., in preparation for a closing to take place on XX/XX/2020. After multiple unsuccessful attempts to get the Closing Disclosure corrected, we received a revised Closing Disclosure on XX/XX/2020 via email the day before the Closing that was revised but still incorrect. 

The XX/XX/2020 Closing Disclosure did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction under funds Due from Seller at Closing was given to us for signature and this included many errors such as listing the Additional Deposit of {$43000.00} provided to us and held in escrow under the terms of the purchase contract as an " Excess Deposit '' on the Closing Disclosure and calculating those funds as going back to the Buyer in the line items for calculation of the Cash To Seller and the Total Due From Seller at Closing. 

The XX/XX/2020 Closing Disclosure also did not have the proscribed format indicating the Buyers ' side of the transaction and there were no lender details regarding the type of mortgage or terms of the Buyers ' mortgage. Only the Sellers ' side of the transaction was given to us for signature and this included many errors that also involved the {$43000.00} and gave the same result of the XX/XX/2020 document : erasing the entire amount of net proceeds due to the Sellers in the Calculations section. The XX/XX/2020 error was that the Buyer 's Additional Deposit of {$43000.00} to be credited to them at the Closing was listed as a Deposit Paid By Buyer under the Sellers ' Side of the Transaction. This was then calculated under the Calculations line items as Funds Due From the Seller and not The Buyer. The Funds for the Buyers ' Purchase are always Due From the Buyer, although the Seller is given the Deposit with the Purchase Contract to hold in escrow those funds are credited by the Lender to the Buyer for their mortgage and should NOT be listed in anyway as funds due from us, the Sellers. In addition, the Calculations shown at the end required the Seller to provide XXXX at Closing and the Buyer to provide {$430000.00} at the Closing. The Sellers should not be responsible for paying for their own house and there are errors. Please help us get these documents corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: PA
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:
I have reached out to XXXX, XXXX, XXXX, and experian on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting
a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing 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 2017-11-12
Company: William D. Meeker Enterprises, 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:
XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered and I wasnt able to use them. I tried to fix the problem with XXXX but they insisted that I destroyed the decals and I refused. I asked to have the decals redone. It was difficult to contact XXXX by phone and they used a call center. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. Capital asked me to upload proof of the problem. I uploaded the emails from XXXX XXXXXXXX. They refuse to credit my card back the {$210.00}. Now I have to pay for what I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: PA
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:
I have reached out to XXXX, XXXX, Equifax, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow. This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit
limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since XXXX XX/XX/XXXX, Capital One 's investigation dept has opened and closed the same case 3 or 4 times to date. 
Recap : I had filed a dispute with a vender when I had not recieved merchenadise to long after ordering. 
The same day I made the claim, the merchandise came in mail. 
I contacted Capital One to ask them not to follow through with the claim. 
.... ( ... why would they complete a task? ) They didn't. 
I was contacted by the vendor that she wasn't paid. 
I paid the vendor personally throught XXXX Capital One reverses the credit for original dispute since they JUST couldn't verify anything. 
I provide the proof of payment. ( Screenshot nof XXXX transaction, emails between myself and XXXX XXXX ( vendor ) and my Capital One account is linked to XXXX if they ever wanted to really investigate ) On XX/XX/XXXX, they credited my account then on XXXX, they took funds back ... .again ... and sent me an email requesting the proof of above, for 3 or 4th time. 
I am done with this process and suspect I am being harassed at this point. 
I want the money back in my account and for this process to end. They are playing with my time and money. Why are they asking for same information over and over? I was told by one rep that the money was to come back in my account in One day and 9 hours last Saturday and by Monday, I was then told it was coming back into my account 1 day and 12 hours?? Then when I asked to speak to a supervisor, she then told me the money was already credited to my account. Last I saw was the money was reversed that am. 
Why any of this is happeneing is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to XXXX but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14
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: Account status incorrect

Complaint:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to XXXX but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I called Transunion on XX/XX/18 to dispute inaccuracies in my credit file. The Transunion rep kept asking me to buy their monthly monitoring service for {$19.00} a month. I declined but the rep continued to hard sell their credit monitoring services to me instead of helping me dispute inaccuracies in my credit file. The Transunion rep also stated that people that pay for their monthly monitoring service have less inaccuracies in their credit file because of their monitoring service. I declined and the rep hung up in my face instead of allowing me to dispute the inaccuracies in 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 explanation
Consumer complaint received 2018-11-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2015 my car loan was paid in full. This is annotated on my XXXX credit report. I have tried to contact the company to have them updat it to the other credit bureaus but I was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 called Transunion on XX/XX/18 to ask why they were displaying inaccuracies in my credit report. Transunion stated that I disputed the items but when I call in to get the results the reps just hang up in my face. It is very hard to get anything done with Transunion because the reps leave you on hold for hours then when you finally get to speak with a rep, they hang up in your face and you have to do it all over again. Its been over 30 days since I disputed the inaccuracies and I never received a response from Transunion.

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 2021-06-23
Company: WLCC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I informed their rep XXXX that I am not allowed to receive calls at work and to please stop calling that number per my request as granted under the Fair Debt Collection Act. 
XXXX acknowledged my request. 
XXXX stopped. They now have XXXX XXXX XXXX XXXX ) from the same department calling my work number instead of XXXX. 
The request granted under the law was for the company to stop calling my work number, and they are trying to play games by having a different person call. 
On XX/XX/2021, XXXX was also informed of my request not to call my work number. 
They have my personal number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NV
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2018-11-14
Company: EQUIFAX, INC.
State: NV
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered an unknown collection account on my credit from a company called XXXX XXXX XXXX Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called Portfolio Recovery associates. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have reached out to XXXX, Transunion, XXXX, and XXXX on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing 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