BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: HYUNDAI CAPITAL AMERICA
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I made a payment of {$580.00} as reflected due on my XX/XX/XXXX statement. That payment was to cover for a due date of XX/XX/XXXX. The payment successfully posted. I logged in this morning and was alarmed to see a payment due on XX/XX/XXXX of {$700.00}. Now, I has also called about 6 months ago after receiving notification of tax payment due for my vehicle. I asked the associate if I could make payments over the minimum and when I do, would that automatically be applied to the balance I owe for taxes. She confidently replied YES. So, for 6 months I have been doing that, only to find that they have not been applied to taxes. Why would I overpay on a lease? On XX/XX/2020 at approximately XXXX XXXX EST, I made a call to Hyundai Motor Finance to discuss a concern I had with my payment due amount. I spoke with an associate that told me that I still owed the {$700.00}. I asked to speak to a supervisor. XXXX XXXX, supervisor at Hyundai Motor Finance, informed me that the website was incorrect and I owed nothing more for XX/XX/XXXX but would go ahead an resume my normal payment amount for XX/XX/XXXX. He also provided me with a confirmation number. Due to his lack of confidence on the call, I waited a few hours and called back at XXXX XXXX EST. The associate the informed me that I actually owe {$190.00}. She was unable to explain to me why her explanation differed from XXXX XXXX 's. I then asked for another supervisor and specifically requested to not speak with XXXX XXXX again but of course, he came on the line. When I confirmed that it was him I spoke to earlier, I asked for a different supervisor to which he responded, " There is no one else here. It's just me ''. He also advised that it " may '' be possible for me to get another supervisor so I offered to hold but he told me that y only option was to call back to " try '' to get someone else. At which point, I requested an address to submit an Executive Complaint/Escalation. His response, " We do not have that. There is no address to submit a complaint and your questions or concerns end here ''. I have been in the XXXX XXXX for over 13 years and I am WELL aware of the options to Escalate beyond the call center environment. So my next move is to call back for a 3rd time with the anticipation that XXXX XXXX 's shift has hopefully ended and see if I can get a 3rd amount of payment due from a different supervisor. This is not an acceptable response to my financial concerns. He/they did not help and can not provide accurate information and refused to help me.

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 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-10-14
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:
On XX/XX/2018, i made a purchase on credit card for {$130.00} to a musical event. The vendor promised that food and drinks were included in the purchase price. Upon attending the event it became apparent that the event planners did not prepare sufficient food for the massive crowd. We left the event without receiving any food. 

On XX/XX/XXXX, I filed a complaint with Capital One Bank disputing the fact that vendor did not or could not deliver food service as advertised on the event documentation. Capital One Bank disallowed a credit to the account because they stated that the complaint " lacked a refund voucher ''. 

I find that the conclusion is unacceptable and that is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: JTM Capital Management, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
For the past six months, Ive made several attempts to speak to some one about this issue. Ive left several voicemails. I have not got a return call you yet. I disputed this on my credit. They refused to remove the item, that I am inquiring about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: SC
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: LendingPoint Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took a loan out with Lending Point in XXXX of 2018. I have been paying the loan but the date due kept escalating. I sent an email to customer service asking for a set date. I received a response and was told that in order to have a set date my payment would increase. I agreed to this adjustment and signed the necessary paperwork via XXXX. I was informed my new payment would be due on the XXXX of every month. 

I then received an email for that next month saying my payment was delinquent since prior to me adjusting my loan the payment due date would have been the XXXX of the month and this would have been then XX/XX/XXXX. I replied to the email that I had locked in my loan and the payment was now set to draft on the XXXX of every month. 

Two days later I received a call from a woman at XXXX XXXX stating that I was delinquent and I must make a payment. I informed her that I had already responded to an email that was sent to me regarding this issue and that I now had a set date for my payment to be withdrawn monthly, on the XXXX. She acknowledged that she had seen the payment was set to be taken out on the XXXX. She asked who I sent the email to and when I went to look for the email, our call was disconnected. 

I then sent an email to the woman I initially made the change with to confirm that my payment was to be taken out on the XXXX and she acknowledged that it in fact was processing the withdrawal and she wasn't sure why anyone would be calling me. 

Three days later I receive a phone call from my son telling me that this same woman ( he confirmed the actual number ) was calling him telling him that she had to get in contact with me and that it was a very urgent matter. This woman spoke to me, acknowledged my payment that was scheduled but yet continued to dun me and to call my emergency contacts and causing problems for me that she had no right to under the fair debt collection practices act. 

I have called the company to discuss my disgust regarding this matter and the fact that something must be done as she was trying to bully me into making additional payments that were not due. I was promised notification of resolution to this matter but have received none to date. I am hopeful that you will be able to assist me in resolution to these unfair practices by this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a new XXXX  XXXX at XXXX XXXX XXXX on XXXX XXXX, 2018, they sold the car to me at 4.59 % interest rate with my tier one credit. I was never offered the 0 % that they had at the time. 
What I was offered was 1 ) Don't take the rebate of {$1500.00} and get 2.99 %. 
2 ) Take the rebate and pay 4.59 %. 
3 ) 0 % was never offered to me. 

Total price - {$24000.00} less {$10.00} ( cash down ) = Loan amount {$14000.00} at 4.59 % Date of Purchase - XX/XX/2018 Tier one credit - Score XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Upgrade, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
My upgrade card has a personal line of credit. For XXXX it showed it was Past Due, although I made 3 payments in XXXX and 4 payments in XXXX before it would show it was current. Now, all re-occurring charges to the card are declined and I can not withdraw cash from the account. I can not get anyone over there to correct this issue. They called me several times when the account showed past due but every person acknowledged there was a problem and there was a ticket in to get this fixed, once they looked at the notes. I was not past due. 

I called several times within the past two to 3 weeks and was told there was a mistake and it was going to a supervisor and nothing has been done. I can't get a call back. I had to pay so much more extra for the month just to make it current, so it would not go to collections. I can not wait for them to correct the problem because it seems as if they don't care. 

Address of Company XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, CA XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/18 they sent me a copied bill of XXXX XXXX claiming that I owe them this debt, has no proof this is mines also put it on my credit with out proof also. I once fought this debt before and got it removed because also didn't have any proof. the collector was sold this debt and now trying to come after me for the same debt. Ive asked for proof but never got proof from this collector yet to date. they only sent copies of a bill saying its mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
I opened a XXXX XXXX Account XX/XX/XXXX, nearly 12 years ago and in the ten years that I used the service, I only missed one payment, my last payment ; because I moved out of the country and closed the account, yet unbeknownst to me, they still ended up charging me {$610.00} I was not even aware of the charge until I got back to America from XXXX. I tried to dispute it with XXXX directly, but they could not find my account in their store. I then did not know what to do about the collection, but they have injured my credit score. It is currently a charge off, I am a full-time student and also a full-time single mother and I in attempting to fix my credit. I do not think it should still be reflected upon my credit report, the crediting company is XXXX XXXX XXXX and the collection was opened XX/XX/XXXX. I am starting an XXXX program at the University XXXX XXXX and it is so expensive, as I am also graduating from the institution in 6 days with my XXXX in XXXX XXXX and a XXXX in XXXX I have accumulated nearly {$30000.00} in student loans. I need to secure funds for school and this is really restricting me because it has effected my overall credit score. I am working very hard to secure my son 's future and mine, and without credit I am limited even with a great education, I hope you can help me in resolving these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX {$8100.00} XXXX XXXXXXXX {$49.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Personal information incorrect

Complaint:
I sent the original Identity Dispute letter to Experian and it was dated XX/XX/XXXX. It was received at Experian on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX and it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from XXXX. 

I sent the original Identity Dispute letter to XXXX it was dated XX/XX/XXXX. It was received at XXXX on XX/XX/XXXX with XXXX tracking number XXXX. And my name is still incorrect, the wrong addresses are still listed, and my employer is still listed incorrectly. I will be submitting the letter and the confirmation from 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 non-monetary relief
Consumer complaint received 2022-10-14
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been with 3 different nonprofit lenders in the last 10 years. XXXX was the last one before the current lender named Mohela which took over in the middle of 2022. StudentAid.gov said that I needed to consolidate my loans in order to be eligible for the Biden exceptions during pandemic. I consolidated in XX/XX/2022. I had also applied for PSLF just as my XXXX to Mohela transition was happening, and the XXXX exceptions were being assessed. This may have confused the issue for Mohela as they are not counting Pandemic timeframe as payments toward PSLF. I also audited the listing of all of the possible payments that could have been counted with the Biden exceptions in the attachments. It appears there are at least XXXX payments that count towards the XXXX. Mohela is counting XXXX. The current wait time to talk with Mohela on the phone is XXXX minutes but I have stayed on hold for upwards on XXXX minutes before being disconnected on XXXX occasions from XXXX. I am logging this complaint so that there is evidence that the steps requested by XXXX, StudentAid.gov, and Mohela were followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I bank through Simple Bank, which has BBVA USA as the parent bank. On Wednesday, XX/XX/XXXX, my wife and I noticed that our debit cards were either declining or saying that the cards were not authorized. We had attempted to use the debit cards attached to our joint checking account. I tried to relocate money to my personal account to see if it was an issue with the joint account. I could not relocate money using either the app or through the web browser. I had called into Simple Customer Support and asked what was going on. I was at that point told that BBVA had suspended our account because they suspected we were victims of unemployment fraud ( My wife and I are currently receiving partial unemployment ). There was no notification issued to us. During the phone call, I was told that the issue would be resolved by the next day ( XX/XX/XXXX ) and someone would reach out to us. I called on XX/XX/XXXX because I hadn't received any updates and was then notified there was no updates for me. I called again on XX/XX/XXXX and was told there were still no updates for me. Today, XX/XX/XXXX, I called and was told there was STILL no update for me. Because my account is suspended, I have XXXX access to my money, bills can not be pulled ( I had authorized two utilities to be pulled prior to the account being suspended ), and unemployment/paychecks can not be deposited. We have a few XXXX dollars in savings in this account so money shouldn't be an issue for my wife and I, but now we are going on a week with XXXX access to this money. My wife and I need to eat and we need to put gas in our vehicles in order to get to work. We are not victims of fraud and this issue should have been able to be resolved much sooner. We have not been given any updates regarding how the investigation is going or when it will be resolved. I have made attempts to have Simple Bank temporarily unsuspend our account or have them manually move some of my money into my personal account ( which is not suspended ) so I at least have some form of access to money. I was told that they can not do that. All communication has been via phone and I don't have any phone recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
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: Personal information incorrect

Complaint:
On XXXX I received a copy of my EXPERIAN credit report and have noticed the following inaccuracies : Wrong Address : XXXX XXXX XXXX XXXX, AZ XXXX - delete this item Inquiry over 2 years old : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX -delete this item

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 2018-04-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My lease with XXXX XXXX ended in XX/XX/XXXX. I turned the vehicle in, paid the remaining payments in full and on time, and then paid the additional fees and damages in full. In XX/XX/XXXX, XXXX XXXX reported my account 90 days delinquent. I immediately inquired and they said it was some sort of mistake and my only recourse was to file a dispute with the CRA and wait 30 days till it was fixed. I was very unsatisfied with this answer as I had to take time to fix their mistake and suffer credit card companies lowering my limits and denying me credit. Again, it is XX/XX/XXXX, a count still closed, paid in full, and they reported my account 120 days delinquent. I called again and they apologized and stated I had to once again file a dispute but I could PAY to expedite the process!!! I am so sick of my credit score I work so hard for suffering drastically while these mistakes that the company can not explain why it is happening, happens. Currently, my score has fallen over 100 points not at the fault of my own and the company has done nothing. Ut apologize and brush me off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
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:
Equifax is reporting A account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to Equifax but the account still showing on my consumer file account name upstart XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Information belongs to someone else

Complaint:
a lot of information is invalid. I've checked my file an I am interested in disputing all incorrect information on my credit report with 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: TX
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:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Equifax is not complying with my request as these inquiries unauthorized and potentially fraud. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation